Get a business insurance quote

Guaranteed fixed premium

Enjoy no increase on your premium for your first 12 months – even if you claim.

Tailored cover

Protect your business with tailor-made cover options that speak to your unique business needs.

24/7 emergency assistance

Keep your business moving with access to 24/7/365 support - including free roadside, medical and legal assistance.

Comprehensive business insurance in South Africa

Whether you need business insurance for a small business or commercial cover for enterprises, our adaptable business insurance delivers the precise protection you need.

Momentum Business Insurance’s flexible cover is designed to keep your business safe, resilient, and ready for whatever comes next.

Get a business insurance quote

What does business insurance cover?

Business insurance may cover a range of risks. The type of cover needed often depends on the size of the business, industry, operations, and day-to-day risks involved. Compare some common business insurance cover options below.

Comparison of types of business insurance and what is covered

Public liability insurance

Third-party injury or property damage claims

Commercial vehicle insurance

Business cars, trucks, and commercial vehicles

Goods-in-transit insurance

Business goods while in transit

Office contents insurance

Office furniture, equipment, and movable contents

Buildings combined insurance

Business premises, fixtures, and fittings

Electronic equipment insurance

Computers, printers, and business electronics

Business all-risk insurance

Portable business items taken off-site

Small business and commercial insurance solutions

Get the right protection for your business with tailored cover options. Cover your commercial vehicles, buildings, office contents and more with options designed around your business needs.

Business car insurance

Covers your registered cars, motorcycles, trucks, and other work vehicles, covering theft, damage, and lost-key replacement.

A modern café with large windows, wooden furniture, and people working at tables. Ideal for businesses looking to protect their building and assets with insurance.

Buildings combined insurance

Protects your office, outbuildings, fixtures and fittings in the event of damage which may be caused by a force of nature, an explosion, or leakage (water systems).

A contemporary open-plan office with employees working. The workspace includes essential office furniture, business equipment covered by insurance.

Office contents insurance

Covers your movable property, like office furniture, inside the building at your business address to ensure business continuity.

A red fire alarm on a wall, symbolising protection against fire-related risks covered by commercial insurance in South Africa.

Commercial fire insurance

Covers your business's building, permanent fittings, and goods, against loss or damage caused by fire, acts of nature, and explosions.

Electronic equipment insurance

Cover for your business's electronics such as computers, licensed software, and printers.

Add-on cover options

Enhance your stand-alone cover option by protecting your entire business with our customised add-ons that protect your property and cover you against unforeseen incidents, losses, or damages.

Business all-risk insurance

Protects your business items that are regularly moved from the insured premises to anywhere in the world.

A close-up of a driver’s hands on the wheel with a seatbelt fastened, symbolising protection against third-party claims covered by public liability insurance in South Africa.

Public liability insurance

Protects you for damages that you or any person associated with your business may be held legally liable to pay after an insured incident.

Fidelity insurance

Covers you for losses due to fraud or theft by your employees, directors or anyone else colluding with an employee.

A person making an online payment using a credit card and laptop, representing financial security and business cash protection.

Money insurance

Protects cash, cheques, postal and money orders against loss or damage inside your business premises.

A courier carrying packages in a busy urban setting, symbolising the safe transportation of business goods.

Goods-in-transit insurance

Covers goods used as part of your stated business while they are being transported within South Africa and extended territorial limits.

A car dealership showroom with multiple vehicles, representing motor trade insurance coverage for businesses.

Motor traders insurance

Covers damages that you're liable to pay for after an incident relating to your motor-trade business.

A business owner inspecting a glass window, emphasising protection for fixed glass installations in commercial premises.

Glass insurance

Covers all fixed windows, doors, mirrors, furniture, and other fixed glass available at your business premises.

Why we're one of the best business insurance companies in South Africa

Guaranteed no premium increase for the first 12 months even if you claim.
Flexible cover options that can be tailored to suit different business sizes, industries, and risk profiles.
Access to adviser-led guidance to help businesses choose appropriate cover based on their specific needs.
24-hour assistance for roadside, medical and legal emergencies with Momentum Assist.

Momentum business insurance benefits

A man putting a folder inside his inner jacket pocket.

Momentum Rewarder

An optional benefit, at an added cost, that rewards you with 15% of your premiums back in cash for remaining claim-free for four years.

Stranded driver inspecting a car with an open hood on the side of a road. The breakdown highlights the need for roadside assistance and emergency support from business insurance.

Momentum Assist

When you need help for roadside, medical, and legal emergencies, Momentum Assist will be there for your business 24/7/365.

Want a brochure?

Get more information on Momentum Business Insurance.

Download brochure (pdf)

Business insurance FAQS

What is the best insurance for a small business?

The best insurance for a small business depends on your industry and risk profile, but standard core protection includes public liability insurance, commercial vehicle insurance, and business all-risk insurance. Momentum Insure offers customisable small business insurance packages tailored to emerging enterprises in South Africa.

What does business insurance cover?

Business insurance covers financial losses resulting from property damage, theft, legal liabilities, vehicle accidents, and operational interruptions. Policies can be tailored to protect physical premises, portable assets (all-risk), and vehicle car insurance.

How much business insurance do I need?

You need enough cover to replace your business assets, honour potential third-party legal claims, and sustain operational cash flow during unexpected disruptions. A short-term insurance adviser can conduct a tailored risk assessment to calculate the exact sum insured for your business.

When should I get business insurance?

You should secure business insurance as soon as you start commercial operations, sign a lease, hire employees, purchase assets, or enter into contracts with clients requiring liability cover.

What happens if I don't have business insurance?

Without business insurance, your business is personally liable for property damage, legal lawsuits, asset theft, or revenue loss caused by unforeseen incidents, which can lead to severe financial distress or business closure.

What insurance is most important for a business?

Public liability insurance is widely considered the most critical cover because it protects your company against third-party injury or property damage claims that could lead to costly litigation. For businesses with physical operations, asset and vehicle cover are equally essential.

More business insurance FAQs

Three friends enjoying a meal together outdoors at a restaurant, as one of the ladies holds up a pink smartphone while the others lean in to look at the screen to view the benefits and rewards offered by Momentum Insure.

Car and home insurance for individuals

At Momentum Insure, we provide you with reliable short-term insurance to protect the valuables you worked hard for like your car, home, and other personal belongings. You get cover tailored to your needs, with extra rewards and benefits.

Explore car and home insurance