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Safeguard the future of your business with comprehensive insurance solutions from Kayser Baird. As a leading provider of business insurance in South Africa, we understand the unique challenges that businesses face in today’s dynamic landscape.
Our tailored insurance offerings are designed to protect your company against a wide range of risks, ensuring continuity and peace of mind. Whether you’re a small startup or a well-established enterprise, our team of experts is dedicated to crafting insurance packages that align with your specific needs.
At Kayser Baird, we are risk managers first and insurance providers second.
When it comes to dealing with the ups and downs of short-term risks for businesses, the largest insurance companies in South Africa don’t directly offer coverage to companies. This is because such insurance requires a specific understanding of the business and its risk exposure, as well as the ongoing changes in such risk.
That’s where Kayser Baird comes in as your trusted business insurance broker. Our role is far more than policy sales; we get close to our business clients, understanding their unique risk landscapes and the ever-evolving nature of these risks. We allow our business clients to focus on what they do best – running their business. We give peace of mind that all business risks are covered and in the most cost-effective way possible, working with our business clients to either insure or mitigate against their risk exposure.
We work closely with Santam, the largest provider of short-term insurance in South Africa. We have binder agreements in place with Santam that enable us to manage 98% of administration and claims handling for our clients. This gives us complete control of all claims, which means that we can deliver with speed and accuracy. Why should you wait unnecessarily for a claim to be processed when there is a simpler solution? That solution is Kayser Baird.
To offer our business clients products that are best suited to their needs, we also offer policies through a large variety of insurers, including Hollard, Old Mutual and Guardrisk, as well as various niche insurers. This enables us to find the perfect product to suit both the needs and the budget of our business clients.
View our various business insurance products below.
Let Kayser Baird find the perfect business insurance product for you today.
The Standard Business Policy takes its roots from the tried-and-true Multimark Policy, a well-established and extensively used insurance approach for businesses in South Africa. This product condenses multiple insurance classes into a single policy, offering tailor-made coverage to a broad range of our business clientele, delivering both simplicity and cost-effectiveness.
With the Standard Business Policy, you’ll get a versatile solution that not only simplifies the complexities of insurance but also optimises cost-efficiencies for your business.
Contact us or complete our online quote form today to find out why we are a leading short-term insurance broker in South Africa and to see how you can save money on your personal insurance.
When it comes to business insurance, there are many types of coverage to consider. Kayser Baird can assist with all of the following:
This cover is for accidental physical loss or damage to your property. It is specific to specified premises which are not already insured.
This coverage safeguards against losses or damages stemming from accidents or unforeseen events that impact your accounting records, business books, or related documents at your place of operation. Should such an incident occur, leading to an inability to fully or partially track or confirm the outstanding amounts owed to your business, this coverage steps in to mitigate the financial implications.
Buildings Combined cover protects you against damage by the perils as set out in the Fire Section. This includes a loss of rent (up to a maximum of 25% of the insured amount), legal liability and theft which includes damage due to forcible and violent entry into or out of your building.
This covers you against worldwide loss or damage to the whole or part of your property as described in the schedule. It is specific to any accident or misfortune not otherwise excluded provided that you will be responsible for the first amount payable as stated in the schedule in respect of each event except a claim resulting from fire, lightning or explosion.
Business Interruption cover protects you against financial loss as a result of an interruption or interference with your business. This is specific to the period of insurance at the premises in respect of which payment has been made or liability admitted under (i) the Fire Section (ii) the Buildings Combined Section (iii) the Office Contents Section (iv) and other material damage insurance for which you are covered, but only in respect of perils insured under the Fire section in your policy.
Coverage against physical loss or damage to your electronic property as described in your schedule. This covers any cause not hereinafter excluded while at work or at rest anywhere within your premises as specified. This includes in transit as well as loading and unloading or while temporarily stored at any premises en route or temporarily removed from your premises to any other location.
This coverage pertains to damages for which the insured party holds legal liability in cases of the demise, bodily harm, or illness of individuals employed under a service contract or apprenticeship with the insured. Such incidents must have taken place during and in relation to the individual’s employment by the insured entity.
Coverage against loss of money and / or property that you own or for which you are responsible which has been stolen by an employee during the currency of this section.
This policy covers the entirety or specific portions of the property as detailed in the schedule. This property can either be owned by you, the insured, or for which you bear responsibility. This coverage encompasses damages due to fire, lightning, explosions, storms, water, hail, snow, aircraft and other airborne objects impacting the property, as well as the effects of trees, aerials, satellite dishes, vehicles, and malicious intent. This comprehensive protection also extends to alterations made by you as a tenant to the buildings and structures on the property.
This policy addresses the loss or damage to internal and external glass, including mirrors, signwriting, and any applied treatments on these surfaces. The coverage pertains to the premises specified in the schedule, encompassing properties owned by you or those for which you bear responsibility.
This policy deals with the loss of or damage to the entire property, or a portion thereof, as outlined in the provided schedule. This property can be either owned by you or under your responsibility. The coverage applies during transportation using conveyance or other related methods, and encompasses incidents resulting from accidents or unforeseen circumstances, unless otherwise excluded.
This policy covers damages for which you, the insured, may become legally responsible due to accidental death, bodily injury, illness of any individual, or accidental loss or damage to physical property. These incidents must occur within the territorial limits during the insurance period, in the course of or connected to your business operations.
This policy addresses unforeseen and visible losses or damages to equipment, as detailed in the provided schedule. These losses or damages must result from an incident that is explicitly included in the schedule. The coverage applies while the equipment is on your premises, with the exception of losses or damages caused by incidents covered under the Fire and Theft sections of your policy.
This policy covers the loss of or damage to money situated either at your premises or while in transit to and from the bank. For money stored in a secure locked safe during night-time hours, the coverage is subject to limitations based on the safe’s category.
This policy covers the loss of or damage to money situated either at your premises or while in transit to and from the bank. For money stored in a secure locked safe during night-time hours, the coverage is subject to limitations based on the safe’s category.
This policy encompasses the loss of or damage to any vehicle as specified in the schedule, along with its accessories and spare parts, while the vehicle is in use. Additionally, the coverage extends to liability incurred towards third parties in relation to the use of the vehicle.
This covers you against the loss or damage to vehicles that are not owned by you, occurring during the course of a journey. Additionally, the coverage includes liability towards third parties resulting from any travel-related incidents.
This policy offers protection against the loss or damage to vehicles not owned by you, while these vehicles are present on the property specified in the schedule. The coverage also extends to encompass liability towards third parties arising from incidents involving these non-owned vehicles.
This covers you against loss or damage to office content (excluding computer equipment) unless otherwise states in your schedule, as per the perils under the Fire section of your policy. This includes theft (or the attempt thereof) and loss of rental (up to 25% of the insured amount). It also includes loss or damage to documents.
This policy provides coverage for bodily injuries resulting from accidental, violent, external, and visible causes. The coverage applies to principals, partners, directors, or employees of the insured, as outlined in the schedule.
This policy addresses the loss of or damage to all contents within any insured building located at your premises, as specified in the schedule. This coverage is activated in cases of theft accompanied by forceful and violent entry into, or exit from, the building, or any attempted break-in. It also covers theft or attempted theft that occurs following an act of violence or threat thereof. It’s important to note that this coverage operates on a first-loss basis, with no application of the average principle.
Contact us or complete our online quote form today to find out why we are a leading short-term insurance broker in South Africa and to see how you can save money on your personal insurance.
As a leading provider of Body Corporate Insurance across South Africa, this is one of Kayser Baird’s specialties. It’s an area our team has significant experience in. We’re also specialists in providing comprehensive Sectional Title insurance throughout the country.
Our experienced team understands the intricate dynamics among various stakeholders in these scenarios. We recognise the diverse needs that arise and are adept at meeting them. Directors of body corporates bear the responsibility of accurately insuring communal property, which encompasses boundary walls, gates, electronic systems, and irrigation systems. Inadequate coverage for these elements can expose owners to substantial costs in the event of an inadequately covered claim.
Conversely, owners have their own obligations to address, particularly relating to claims that stem from their own negligence. We collaborate with trustees and directors, ensuring that the insurance solutions we implement are well-rounded, cost-effective, and genuinely reflective of the needs of all stakeholders involved.
Contact us or complete our online quote form today to find out why we are a leading short-term insurance broker in South Africa and to see how you can save money on your personal insurance.
Insurance for construction and engineering companies demands a specialised approach, separate from a company’s core business policy. Through our partnership with South Africa’s leading construction and engineering underwriters, we have insured some of the country’s largest and most renowned companies in this sector. Our knowledge and expertise in this area is unrivalled.
Navigating the complex landscape of construction and engineering demands more than just insurance – it requires a partner who understands the intricacies of your industry. At Kayser Baird, we are that partner. With our extensive network and established partnerships with leading underwriters in the field, we provide specialised coverage for construction and engineering businesses across South Africa.
Whether you’re involved in civil engineering, commercial development, infrastructure projects, or any construction-related project, our team of experts is ready to craft insurance solutions that align precisely with your requirements.Contact us or complete our online quote form today to find out why we are a leading short-term insurance broker in South Africa and to see how you can save money on your business insurance.
Contact us or complete our online quote form today to find out why we are a leading short-term insurance broker in South Africa and to see how you can save money on your personal insurance.
We understand the risks that businesses face in an ever-evolving digital world. We also understand the value of your data and IT systems. That’s why we offer cyber insurance that is tailored to your specific business and to your specific needs. This covers you against losses resulting from breach of data or systems, including network business interruption, cyber extortion, and liability arising out of data protection failures.
Directors and Officers Liability covers you against damages for which you are legally liable to pay as a result of any act or omission of an employee acting in their capacity as Director or Officer. This includes legal defence costs.
This covers you for specialised crisis management and resolution of threats ranging from kidnapping and extortion to wrongful detention and missing persons. It includes both international and domestic cover.
This covers you against loss or damage to goods while they are being imported, exported or stored temporarily during marine or air transport.
At Kayser Baird, we recognise the unique risks and challenges that private medical practitioners face. That’s why we’ve tailored comprehensive insurance solutions specifically for these businesses.
Our medical private practitioner’s insurance goes beyond conventional coverage – it’s a safeguard for your practice, reputation, and peace of mind.
While medical and dental practices carry risks that are similar to other businesses, they are also exposed to specialised risks that a normal business insurance policy would not cover. Such coverage includes the Santam Medi-plex and Denti-plex products which provide significantly higher limits than normal business policies and at much lower rates.
Contact us or complete our online quote form today to find out why we are a leading short-term insurance broker in South Africa and to see how you can save money on your personal insurance.
This coverage takes care of the legal costs and expenses incurred in your defense, alongside any potential damages or costs that might be awarded. This comes into play when you’re accused of offering insufficient advice, services, or designs that lead to financial losses for your client.
Recognising the unique challenges that businesses in the retail and manufacturing sectors face, Kayser Baird has tailored specialised insurance solutions to fortify your enterprise, ensuring its assets, operations, and growth trajectory remain secure. Backed by a wealth of experience and a robust network of insurance partners, we have a deep understanding of the nuanced risks that retail and manufacturing businesses navigate.
The Introduction of the Consumer Protection Act in 2008 has made the South African consumer one of the most empowered consumers in the world. This presents both opportunities and challenges for retail and manufacturing businesses. As an example, any member of a product supply chain can be held liable for a product that causes loss or damage to a consumer. This makes it essential for any company in the supply chain to be properly insured in terms of product liability exposure.
There is no “one size fits all” option for Products Liability Insurance. That’s why we work with our clients in these sectors to better understand their needs to craft a policy that is specific to their business and their risks.
Contact us or complete our online quote form today to find out why we are a leading short-term insurance broker in South Africa and to see how you can save money on your personal insurance.
In South Africa, the insurance landscape for restaurants, tourism, and leisure businesses is well-developed. These businesses have access to some of the best insurance products in the world. This is important because such businesses face many risks, whether that be exposure to injury and food poisoning, as well as other specialised risks that other businesses are not exposed to.
With Kayser Baird as your partner, as a business in this sector you’re gaining more than just insurance coverage – you’re accessing a wealth of experience and expertise tailored specifically to your business. Our strong partnerships with premier underwriters in South Africa means that you’ll be getting the best coverage at the most affordable rates. Safeguard your tourism, leisure or entertainment business today with Kaiser Baird.
Contact us or complete our online quote form today to find out why we are a leading short-term insurance broker in South Africa and to see how you can save money on your personal insurance.
Kayser Baird was founded in Durban in 1986. We have grown to become one of the largest and most successful independent brokers in the country.
Directions to Cape Town Office :
If you are coming from Cape Town CBD on the N1, take the Willie Van Schoor/Durban Road turn-off and then turn left at the intersection. When you get to Bill Bezuidenhout Avenue turn left, then carry on straight until you get to Carl Cronje Drive.
Turn right at the intersection and then immediately left into the Avanti Tower Office Block.
If you are coming from Paarl on the N1, take the Willie Van Schoor/Durban Road turn-off and then turn right at the intersection. When you get to Bill Bezuidenhout Avenue turn left, then carry on straight until you get to Carl Cronje Drive.
Turn right at the intersection and then immediately left into the Avanti Tower Office Block.
Directions to Durban Office:
If you are coming from Durban go up fields hill, past the Kloof Village Rd turn-off and then take the Abrey Road turn-off (exit 24) as if you are going to the Kloof Golf Course. When you get to the top of the glide-off turn left, left again into Lyngarth and when you get to the T-Junction at Abrey Road you will see our building on your left hand side.
Coming from Pmb / Hillcrest take the Abrey Road turn-off (exit 24), turn right over the M13 and turn left in Lyngarth. At the T-Junction at Abrey Road you will see our building on your left hand side.