Commercial Insurance

Most commercial policies are based on the now outlawed Multimark III – the market policy which was withdrawn by the South African Insurance Association (SAIA) in 2007. However, Frontline’s highly skilled and knowledgeable staff can assist intermediaries in tailoring products to specifically fit customer profiles and address their customers’ non-life insurance needs. Commercial insurance is a specialised field and Frontline’s people are professionals who are ready to make a difference to our intermediaries’ business and their clients’ lives. Here are our commercial product offerings: COMMERCIAL PROTECTOR Frontline Underwriting Managers offers a comprehensive multi-peril commercial policy that caters for the insurance needs for most commercial and industrial business enterprises large and small. Our policy includes cover for Fire, Buildings Combined, Business Interruption, Accidental Damage, Theft, Money, Glass, Goods in Transit, Fidelity, Motor, Group Personal Accident, Business All Risks & Electronic Equipment but is not limited to this. CONSTRUCTSURE Constructsure products offer specialised buildings cover specifically designed for:

• Commercial / Industrial Buildings
• Body Corporates
• House Owners.
• Homeowners Associations

The cover is comprehensive and includes various extensions and additional covers as part of the policy. GUESTSURE Our GUESTSURE product is specifically designed for the hospitality industry, which is dynamic and faces a multitude of risks that require specialised insurance. From B&Bs to hotels and game farms, the benefits offered by this product ensure that clients are correctly covered against a wide range of eventualities across this diverse industry. Cover includes:

• Theft without forced entry
• Bilking cover
• Property belonging to guests
• Accident (Group and Personal)
• Business interruption
• Fire
• Motor
• Liabilities
• Property and contents
• Watercraft

AGRIPLUS Frontline Underwriting Managers AGRIPLUS policy, underwritten by Old Mutual Insure, a leader in agricultural insurance, is a single, unique policy that fully caters for the needs of today’s commercial farmers. The farming community are already benefitting greatly from our knowledge of the industry and our understanding of the associated risks. Cover includes:

• Various farming related risks to vehicles
• Pumps and electric motors
• Irrigation pipes and pumping equipment
• Hammermills
• Property in the open
• Spray irrigation systems on wheels and centre pivots
• Paddock and boundary fences
• Damage to water tanks and water apparatus
• Produce and livestock in transit
• Droving and escaping of animals/stray animals
• Special provisions with reference to livestock
• Spreading of fire

Over and above our diverse products offered, commercial policyholders have the benefit of using our value added services. Please click on the link below to view our full brochure on these benefits: FRONTLINE COMMERCIAL ASSIST BROCHURE