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1 protect your business with insurance you can trust. Transact Invest Lend Insure Foreign Exchange Merchant Services Cash Benefits Rewards FNB Business, a business unit of First National Bank, a division of FirstRand Bank Limited, t/a FNB Insurance Brokers. An authorised Financial Services and Credit Provider (NCRCP20) Registration No: 1929/001225/06 FSP Licence No: 20081
2 Contents Who we are Why use FNB Insurance Brokers? What we offer Business Insurance (assets, liabilities and financial losses) Liability and Professional Indemnity Insurance Commercial Property Insurance Aviation Insurance Marine Insurance (local and international transport insurance) Heavy Commercial Vehicle Insurance Goods in Transit Insurance Construction and Engineering Insurance Guarantees (fuel, mining and construction) Debtor Finance Insurance Agricultural Insurance Wildlife Insurance Medical Practice Insurance Retail Insurance Asset-based Finance Insurance
3 With FNB Insurance Brokers, you get access to specialised, reliable and affordable short-term insurance advice and specialised products for your business. Who we are At FNB Business, we take the time to get to know you and your business. As a result, we understand the unique risks that are associated with your industry and how they can affect the success of your business. FNB Insurance Brokers is a brokerage that resides within FNB, trading as a division of FirstRand Bank Limited, a wholly owned subsidiary of FirstRand Limited. We specialise in business, commercial and industrial short-term insurance. There are 30 FNB Insurance Brokers branches nationally, with Insurance Brokers who provide advice on the best insurance solutions available to help protect your business assets. 01
4 Why use FNB Insurance Brokers? You will receive professional guidance from our experienced specialists who will investigate, advise and structure an appropriate solution for your business. We offer personalised cover based on your business specific needs and requirements. We will structure your policy to be cost-effective and efficient. We only partner with blue-chip insurers, for your peace of mind. What we offer The unforeseen can happen to any business, irrespective of its industry or size. Without cover against potential risks, your business is left defenceless. In the event of an insurable financial loss or loss of assets, your company may not be able to bounce back. Liability exposure over the past decade has increased substantially and the potential losses arising from this could be enormous. Protecting your assets and the security of your business should be an important aspect of your business overall financial plan, and we want to help you make the best choices. Our short-term Insurance Brokers can advise you on your insurance needs and customise our insurance solutions with your business needs in mind. We offer a full range of products, from general insurance to industry-specific cover. 02
5 Business Insurance (assets, liabilities and financial losses) Affordable and flexible cover for your business insurance exposure (ie, property, stock, tools and money) against accidents, fire, theft and third-party claims. You can choose between various packaged cover amounts and select the most affordable premium for your business. Liability and Professional Indemnity Insurance Liability and Professional Indemnity Insurance is an essential component of risk management. You can have the freedom to operate confidently and securely in the knowledge that the risks facing you, and those around you, are covered. Our products provide valuable cover for businesses and professionals across a broad range of industries. Commercial Property Insurance Commercial Property Insurance protects your property from risks such as fire, lightning and other forms of risks that can damage your building. 03
6 Aviation Insurance Our Aviation Insurance includes solutions for corporate aircraft, private owners, charter operators, operators liability, experimental aircraft and deductible insurance. It provides coverage for exterior losses, as well as liability for passenger injuries, environmental and third-party damage caused by aircraft accidents. Marine Insurance (local and international transport insurance) Marine and logistics risks can be complex and diverse. With our knowledge and resources, we can provide you with specialist risk advice, and incorporate your specific needs into fully tailored and competitively priced marine liability insurance solutions. In addition to marine insurance, we can tailor-make an insurance offering that covers all aspects of your financial transactions, such as trade finance credit insurance and export credit insurance. 04
7 Heavy Commercial Vehicle Insurance Our comprehensive cover and exceptional service delivery to transport contractors includes more than the standard commercial motor cover. We also offer: Excess reducer. Theft/hijacking excess reducer. Credit shortfall. Extended wreckage removal. Extended territorial limits. Cross-border towing and loss of use. Goods in Transit Insurance Goods in Transit Insurance provides financial protection against the loss of, or damage to, property your business owns or is responsible for in the course of transit. Your business Goods in Transit Insurance protects the following goods against loss or damage caused by fires or acts of nature, as well as accidental or malicious damage: Raw materials. Goods being manufactured or traded. Goods that belong to someone else for which you are responsible. 05
8 Construction and Engineering Insurance Tailored to suit the needs of each risk while covering all aspects of engineering and construction risk, such as: Construction guarantees. Contractors All Risks (CAR)/Erection All Risks (EAR). Plant All Risks insurance. Contractors liability insurance. Guarantees (fuel, mining and construction) Our guarantee specialists understand the importance for you to provide your clients with guarantees as opposed to cash. This will not only strengthen your clients perceptions, but will assist you in the financing of contracts and your monthly cash flow projections. Debtor Finance Insurance Companies often insure their physical assets and liabilities, but fail to protect their accounts receivables. Insuring domestic or export credit can help with credit control and bad debt protection. 06
9 Agricultural Insurance With FNB Insurance Brokers, you receive the most appropriate cover for your farming business, tailored specially for various types of farming so you get peace of mind while you focus on farming. We have a proven track record when it comes to providing crop-insurance products, which extends to over 20 years of experience. This is of great value as it allows you to recover from disasters such as hail, fire or drought. Assets covered: Damage to crops including hail damage, drought and natural disasters. Farm buildings and all business equipment including tractors, harvesters, planters and any other specialised equipment. Pumps and irrigation systems. Livestock and game. Building contents for both farm and residential buildings including optional cover for gates and security fences. Commercial and personal vehicles (ie, cars, bakkies, trucks) including damage to tyres of agricultural vehicles. 07
10 Liabilities: Public liability including accidental spread of fire to neighbouring farms. Products liability. What are you covered against? Motor vehicle accidents. Theft. Electronic equipment. Fire, lightning, explosion. Storm, wind, water, hail and snow. Earthquakes. Impact. Burglary. Fidelity guarantee. Loss of money. Malicious damage. Accidental loss of keys. Collision and overturning. Business interruption. 08
11 Wildlife Insurance At FNB, we know that the game farming business is a high-risk one. Animal species are often threatened with disease, and the challenges of capturing, moving and selling them can be catastrophic. That s why our Wildlife Insurance covers all of that. We also provide advice to farmers, and structure policies according to their unique situations and animal species. What do we cover? Auction Cover provides short-period cover for a specific auction for both the seller and the buyer. Capture Cover provides cover for the death of an insured animal as a result of capturing, or injury sustained during the capturing process, or death within 24 hours due to the use of chemical immobilisation. Transit Cover provides cover for the death of an insured animal due to an injury sustained during transport or death relating to an accident, theft or hijacking of the transit vehicle. Post Release Stress Cover (PRS) provides cover for the death of an insured animal as a direct result of PRS following its capture and translocation. All Risk Mortality Cover (ARM) includes cover for illness, injuries sustained in the veld, accidents, theft, natural catastrophes and poaching (Rhinos excluded on poaching). Various diseases and epidemics, PRS and predation are excluded. Limited Mortality Cover is a combination of PRS and ARM for a limited period. Catastrophe Cover provides cover for the death of an insured animal as a result of floods, fire, storms and lightning. 09
12 Medical Practice Insurance We understand that the unforeseen can happen to any medical practice. Due to the nature of the procedures performed by medical professionals, there are a multitude of scenarios where an accident may occur. Without cover against potential risks, your practice is left defenceless. That s why we offer you an insurance solution that gives you the peace of mind that your medical practice is protected from the unexpected. What are the benefits of our Medical Practice Insurance? One solution for all your insurance needs, including personal lines insurance that covers your personal assets (eg, car, home, all-risks) and business insurance to cover your medical practice (eg, furniture, equipment, building contents). Dispensing risk is covered up to R Forcible entry stipulation is not required under the theft section. Medical Malpractice cover of up to R30-million. Errors and Omissions and Public Liability insurance including assistance for HPCSA hearings. As an FNB client, you will receive preferential rates for your medical practice. 10
13 Retail Insurance As a retailer, you supply products and services to consumers on a daily basis, which means that you have to comply with the Consumer Protection Act (CPA). The CPA aims to protect consumers from unfair business practices, but what is there to protect you? Our specialists can advise you about the risks your business is exposed to as a result of the CPA and how best to cover these risks. Our insurance cover is designed with retailers requirements in mind from stock and property to public liability. Asset-based Finance Insurance Our Asset-based Finance products are supported by WesBank and include insurance cover for the following: Fleet finance. Plant and equipment. Agri-equipment. Commercial vehicles. Manufacturing equipment. Aviation finance. 11
14 For more information, contact one of our Insurance Brokers or speak to a Business Banker. Terms and conditions apply.
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