Your Complete Guide to Business Insurance
If you run a small business like a guesthouse or B&B, a construction company or courier delivery services, you’ll find everything you need to know about Business Insurance right here.
Running a Building Construction company comes with big risks, and that's why it's so important to have the right insurance. Here's a breakdown of the essential Construction Insurance that contractors or builders need.
If you run a Courier Delivery Services business you'll constantly be on the go carrying your customers' precious cargo – you need to be insured because packages can (and do!) go missing and get broken.
If you run a Courier Delivery Services business you'll constantly be on the go carrying your customers' precious cargo – you need to be insured because packages can (and do!) go missing and get broken.
Company directors and executives face personal risk for the decisions they make. Directors & Officers (D&O) Insurance protects them against claims of mismanagement, negligence, or breach of duty.
The cover you need for your business
- •Directors & Officers Liability – protection against personal claims on directors
- •Legal Defence – covers the cost of defending directors in court
- •Employment Practices Liability – protection against claims like unfair dismissal or discrimination
Insurance is essential for running a successful Driving School – and you'll need a lot more than just basic Car Insurance. From Vehicle Insurance to Public Liability, here's what to consider.
A complete guide to what you need in order to be fully covered as an E-hailing driver for companies like Uber and Bolt, including add-ons like Roadside Assistance or Business Concierge.
Hosting an event always comes with risks. If someone gets injured or property is damaged, your business could face costly claims. Event Liability Insurance protects you from these unexpected expenses.
The cover you need for your event
- •Public Liability – protection if guests or third parties are injured
- •Property Damage – covers accidental damage to venues or equipment
- •Legal Defence – helps with the cost of defending claims
Funeral Services are big business in South Africa, but you have to have insurance to protect your small business from unforeseen risks and financial threats.
Managing a guesthouse or B&B comes with unique risks so give your small business an added level of safety by investing in the right Business Insurance cover.
If your business relies on one or two key people to keep things running – like a founder, top salesperson, or technical expert – losing them unexpectedly could put the whole company at risk. Key Person Insurance helps your business survive if the unthinkable happens.
The cover you need for your business
- •Financial Protection – pays out a lump sum if a key employee dies or becomes disabled
- •Business Continuity – helps cover lost revenue and operating costs while you recover or replace the person
- •Debt & Investor Security – ensures business loans or investor commitments can still be honoured
Between Uber Eats, MrD and Bolt, Motorbike Food Delivery Services are booming right now – get the right insurance to be your own boss.
From Motor Traders Insurance to Liability Cover, here's what you need to keep the doors of your Motor Mechanic business open.
Running a business that sells or manufactures products comes with risk. If a product you supply causes injury, illness, or damage, you could face expensive claims. That’s why having Product Liability Insurance is essential.
The cover you need for your business
- •Product Liability Cover – protection against claims from faulty or harmful products
- •Legal Defence – covers the cost of defending claims
- •Product Recall – helps with costs if you need to recall unsafe products
If you give advice, provide a service, or make recommendations as part of your business, there’s always a chance something could go wrong. A mistake, omission, or misunderstanding could leave you facing costly claims. That’s where Professional Indemnity Insurance steps in.
The cover you need for your business
- •Professional Indemnity Cover – protects you against claims of negligence, mistakes, or bad advice
- •Legal Defence – covers the costs of defending yourself in court
- •Compensation Costs – helps pay damages if a client suffers financial loss due to your work
If you run a Courier Delivery Services business you'll constantly be on the go carrying your customers' precious cargo – you need to be insured because packages can (and do!) go missing and get broken.
From Car Insurance to Commercial Insurance, here's what cover you need to protect your Shuttle Services business, your car and, most importantly, your passengers and other people on the road.
Explore Business Insurance Options
Compare 6 of SA's top Business Insurers
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Find the Right Cover for Your Business
Compare more than just Business Insurance
With Hippo we make it easy to find great deals across multiple products.
Car Insurance
Covers your vehicle against damage, theft and third-party claims. Premiums vary by driving history, usage, vehicle model and where you park overnight.
Medical Aid
Gives you access to private healthcare. Compare plans, benefits and costs to find the right fit without paying for cover you don't need.
Life Insurance
Provides financial security for your dependants. Ensure your home loan, rental costs, debt and children’s tuition are taken care of when you pass.
Funeral Cover
Covers the immediate costs associated with a funeral. Premiums are influenced by your age, number of policy members and amount of cover.
Personal Loans
Compare rates across multiple lenders to find a fair deal. Rates vary based on your credit profile and chosen loan term, so comparison matters.
Home Contents Insurance
Covers your home's contents against damage, theft and loss. Compare quotes to find the most competitive rate.
Buildings Insurance
Covers the physical structure of your property against damage. Compare quotes to make sure you're not overpaying.
Medical Gap Cover
Covers the difference (shortfall) between what your Medical Aid pays and what a specialist charges. Gap Cover is not a substitute for Medical Aid.
Hippo Comparative Services (Pty) Ltd is an authorised financial service provider.
FSP number: 16357. Block A, Steyn City Capital Park, Erling Road, Riverglen, Dainfern, 2191
*Based on independent research by Kaufman Levin & Associates 2025.
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