Commercial & Industrial INSURANCE

PCIB are specialists in arranging a wide range of Property Insurance, dealing with Freeholders, Leaseholders, Landlords, Management Companies and Property Owners.

Our solutions include the insurance management of Property Management Companies. In addition to providing comprehensive buildings insurance, cover can be extended to include:

• Loss of rent or alternative accommodation expenses
• Previous subsidence to the property
• Unoccupied properties
• Listed properties
• Landlords contents
• Contents of common parts
• Employers’ liability insurance where required
• Property owners’ liability up to R
• Legal expenses and tenancy disputes cover
• Directors and officers’ liability for Residents Associations and Directors
• Equipment breakdown
• Lift insurance and inspection

What we can offer you:

As a specialist insurance broker, we will work with you providing the service you expect and need. You will benefit from:

• Bespoke comprehensive insurance coverage designed specifically to meet your requirements
• Legal expenses cover
• Monthly payments can be arranged
• A dedicated account handler to contact throughout the year
• A hassle-free in house claims handling service
• We combine a quality service at an affordable price provided by helpful, friendly professionals

Construction Insurance

Designed to cover the risks associated with a construction site, be it residential, commercial, civil or mechanical. It typically includes material damage and public liability (bodily injury and/or property damage to third parties).

We can also offer Builders Warranty Insurance and Owner Builders Warranty.

CYBER INSURANCE

Traditional insurance policies were not designed for the new risks businesses face in a digital age. Businesses now face a new raft of exposures that can bring the potential for significant financial loss.

Unfortunately, it is an area of increasing risk with the number of incidents growing every year.

There is a range of products available to protect against these exposures. However, no two policies are the same with considerable variances in policy cover. Our recommendation is to seek skilled advice in finding what is right for you.

What protection is available?

• Social engineering fraud, including mandate fraud
• Ransomware and cyber extortion, help, support, the advice in managing the situation and payment of ransom
• Business interruption following a cyber incident
• Damage by hacker, repair and restoration to systems, websites and data
• Costs following a data breach, including advice, investigation and regulatory notifications
• Crisis containment, mitigating reputational damage
• Privacy and data protection, liability to third parties following a data breach, including regulatory investigation costs and fines were allowed
• Multimedia liability, accidental infringement of copyright and inadvertent libel via an electronic communication

DOMESTIC INSURANCE

PCIB provide a wide range of Household Insurance policies including specialist policies for non-standard buildings and residential property insurance with technical insurers at competitive premiums.

Nowadays many insurers are only insuring the straightforward residential policies and are not covering those with contentious issues unless insurers specifically note your particular circumstances as an endorsement on the policy schedule, it will invariably mean that you are not fully protected.

We can provide you with competitive insurance quotations from a panel of insurers offering the best product, taking into account your individual circumstances even if these are slightly unusual to give you peace of mind and great value.

MANAGEMENT LIABILITY INSURANCE

Management Liability Insurance not only provides protection for Directors and Owners of private companies, but it also extends to provide coverage for the corporation under certain circumstances.

This includes payment by an insurance company of any penalties and fines levied when a case is proved as well as payment of legal costs of defending a claim of alleged transgression.

PROFESSIONAL INDEMNITY

This is an essential cover for companies involved in advisory roles. A form of liability insurance that helps protect professional advice and service-providing individuals and companies against a claim of negligence by a client.

Can also cover, partly or wholly, any damages that may be awarded in such a civil lawsuit. PCIB can arrange comprehensive and competitive packages to suit your needs.

PUBLIC & PRODUCT INSURANCE

Depending on your business, cover may be required for a variety of potential risk situations – Product Recall, Product Guarantee, Product Tamper, Information Technology, Errors & Omissions. There are numerous types of policies with a specific cover that may be appropriate to your occupation.

This type of insurance is an essential part of any insurance portfolio as an injury to a third party could cost millions and have severe consequences for your business. PCIB understands the many aspects of Public and Product Liability cover and can evaluate your needs, advise and recommend appropriate solutions.

RETAIL INSURANCE

PCIB provide a complete range of retail insurance solutions for shops of all sizes, from small corner shops to large multi-site retailers. In the fast-moving world of retail, it is vital that your insurance keeps pace with your needs and business growth.

SPECIALIST INDUSTRIES INSURANCE

Speak to us if you operate in a unique market or have unusual assets, we will design an insurance programme for your special needs.

SHIPPING / MARINE INSURANCE

We are able to offer the complete range of services for your marine insurance needs including:

• Full stock throughput policies
• Annual declaration cargo policies
• One-off specialist shipments
• Hull and liability policies
• Marina cover
• Cover for yachts, motorboats, dinghy’s and pleasure craft both individually and for yacht clubs

WHOLESALE & DISTRIBUTION INSURANCE

Insurance for wholesalers, importers, exporters, warehousing and distribution companies.

We offer the following cover:

• Transit, cargo and stock throughput
• Freight liability
• Warehouse cover
• Stock at third-party premises
• Marine logistics insurance
• Public liability
• Employers liability
• Business interruption
• Employment practices liability
• Motor fleet insurance
• Credit insurance
• Directors and officers
• Cyber liability cover
• Risk management services

PCIB strive to provide our clients with the highest quality of independent, expert advice and service to ensure that you get real value for money from your insurance arrangements.

COMMERCIAL VEHICLE AND FLEET INSURANCE

From small to large fleets most people overlook the main area of fleet management which is the effective and speedy handling of the motor claims that enable your business to get on with your work should an incident occur.

We pride ourselves on having a team that efficiently manage your claim to cause you the least disruption.

VEHICLE INSURANCE CREDIT SHORTFALL

We offer credit shortfall cover through Vapsure. The credit shortfall product is directly linked to a vehicle which is comprehensively insured. This product covers the interest owed to the finance house up to a maximum indemnity of R200,000.00.

PCIB Assist – Home and Roadside Assistance

These services are available 24 hours a day, 7 days a week, all year round. Should you wish to opt-in for this cover, kindly contact our office on 031 266 8870 and speak to any of our underwriters to have this added to your existing policy.