Site url: https://www.momentum.co.za/momentum/business/business-solutions/business-insurance-future
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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

Our business insurance solutions are flexible enough to suit your unique business requirements.

  • No premium increase for the first 12 months - even if you claim.
  • Comprehensive insurance solutions for loss or damage.
  • Annual premium increases are based on your individual profile rating.

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 individual needs.

When it comes to claiming, engaging with you in a quick and efficient manner is important to us. To ensure that we give you the best service experience, we continually optimise and review our systems.

Types of business insurance


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

Vehicle insurance

Protects all your business vehicles against theft and damage.

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

Buildings combined insurance

Protects fixed structure like your office that you use to conduct business against losses and financial costs.

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 such as office furniture inside the building at your business address.

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

Electronic equipment insurance

Insures your business' electronic equipment such as computers and licensed software.

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

All-risk insurance

Covers business items that are regularly moved from the insured premises.

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

Fire

Insures your business' building, permanent structure and goods against fire, and provides interruption cover for loss of business income.

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

Employer 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 guarantee 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 your cash, cheques, postal and money orders.

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Goods-in-transit insurance

Covers goods used as part of your stated business while they're 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 business.

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Glass

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, 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.

Learn more about Business Insurance

Legal and compliance

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FOR INDIVIDUALS

Car and Home
Insurance for you

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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