Running a business in South Africa means dealing with challenges nobody warns you about. Supply disruptions throw delivery schedules off track. Late-paying clients stretch your cash flow. Staff morale needs lifting when there’s no room for increases. From unrest to floods, from copper theft to cybercrime, you’ve learned to expect the unexpected.
And yet, you’ve kept going. Because this isn’t just what you do; it’s part of who you are.
Your name. Your livelihood. Your future.
Your business carries your reputation and the future you’re building for your family. Protecting it is more than a financial decision; it’s personal.
Most insurance is designed for companies with finance departments and predictable risks. Small and medium-sized enterprises (SMEs) rarely fit that mould. One month you’re holding extra stock for a big order, the next you’re transporting valuable equipment to a site. Your risks change as quickly as your opportunities, and your cover should keep up.
Cover that fits your reality
The bakery owner working before sunrise worries about breakdowns and spoiled stock. The contractor moving between sites needs tools and materials protected in transit. The consultant working from home values professional indemnity over premises cover.
A flexible approach lets you choose cover for your buildings, vehicles, stock and equipment, with options for theft, fire or loss-of-income protection. If your work requires more specialised cover, like goods-in-transit or liability cover for customer claims, you can add it. As your business evolves, your protection can grow with it.
Resilience in real life
It’s often the smaller disruptions that hit hardest. A van breaking down before month-end. Flooding in your workshop during peak season. A client claim arriving when cash flow is already tight.
Business interruption cover can help you keep paying rent, salaries and suppliers while you get back on your feet. Emergency assistance, from roadside support to urgent repairs, can mean the difference between a quick recovery and a long delay.
A partner that understands SMEs
For 180 years, Old Mutual has helped South African businesses face challenges and change. Their broker network takes the time to understand your priorities, your industry and the risks that matter most to you. That personal approach is backed by one of the lowest Ombudsman complaint rates in the industry.
Your next step
You built your business to grow, not to spend time worrying about worst-case scenarios. The right protection means you can focus on customers, growth and the legacy you want to leave.
Find out how Old Mutual Insure can help you protect what matters most and get a quote today.
