Site url: https://www.momentum.co.za/momentum/business/business-solutions/business-insurance
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A lady standing in a nursery with flowers in the background working on a laptop, wearing a red apron.

Business Insurance

Momentum commercial insurance solutions are flexible enough to suit your unique business requirements in South Africa. We’ll minimise business interruption with insurance cover that will protect your business from unforeseen incidents, loss or damage.

  • No premium increases for the first 12 months - even if you claim.
  • Comprehensive commercial insurance solutions for loss or damage.
  • Annual premium increases are based on your individual profile rating.
  • Request a call back and leave your details for a financial adviser to help you with a tailored business insurance quote.

What makes us different

We've engineered our competitive and comprehensive short-term insurance to protect your business from a wide range of unforeseen events. We understand that your business is unique, that's why we design your cover based on your business needs.

When it comes to claims, we understand that engaging with you in a quick and efficient manner is important, that’s why our claims experts will handle your claim from the get-go and answer all your questions and concerns to ensure you’re up and running in no time based on the claim’s outcome.

We provide insurance cover for a range of different business needs


Back of a panel van that's converted into a mobile coffee shop with a surf board and a bicycle placed next to it.

Business car insurance

Covers all registered cars, motorcycles, trucks, and any other types of vehicles used to run your business against theft, damage and lost key replacement. Speak to a financial adviser about covering your fleet vehicles.

A waitress standing infront of a restaurant door smiling and her arms crossed.

Buildings combined insurance

Protects your office, outbuildings, fixtures and fittings in the event of damage which may be caused by nature, explosion or malicious damage.

Group of colleagues in an open plan office with computers and office equipment covered with Momentum's business insurance.

Office contents insurance

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

Areal view of three call centre workers in front of their computers.

Electronic equipment insurance

Cover for your business' electronics like computers, licensed software and printers.

Man sitting on the floor talking on his cell phone with an open laptop on his lap and a bicycle next to him.

Business all-risk insurance

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

A red and white fire alarm mounted on a wall in an office.

Commercial fire insurance

Covers your business' building, permanent fittings and goods, used for your business, against loss or damage caused by power surges and heating system leakage.

Bus driver clipping on his safety belt wearing blue jeans and a grey shirt.

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 incident.

A man and woman engaged in a serious conversation with a tablet in the hands of the man.

Fidelity insurance

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

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Money insurance

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

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Goods-in-transit insurance

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

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Motor traders insurance

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

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Glass insurance

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

Why Momentum Business Insurance?


A lady sitting on her lounge floor with scattered papers and an open laptop and coffee in front of her.

Guaranteed premiums

Guaranteed no premium
increase for the first 12 months -
even if you claim.

Close up of a lady's hands with one typing on a laptop and the other holding a credit card.

No hidden costs

Our excesses are fixed with no hidden costs, because we believe in one incident-one excess, regardless of the nature and value of the claim.

Close up of a man's hands holding tablet

Momentum Assist

When you need help for emergencies
on the road and at your office, we
offer you roadside and office
assistance.

Close up detail of the tyre on a shiny red classic car parked on a tar road near a sidewalk.

FOR INDIVIDUALS

Car and Home
Insurance for individuals

At Momentum, we provide you with reliable short-term insurance to protect 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 through Momentum Multiply.

Contact Momentum Business Insurance

Roadside and emergency services




Available 24 hours a day, 7 days a week, 365 days a year.

Sales, client service and claims





Business hours are Monday to Friday from 08:00 to 18:00. Saturdays from 08:00 to 13:00. Closed on Sundays and public holidays.

Business Insurance Ethics and Fraud Report line




Available 24 hours a day, 7 days a week, 365 days a year.

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