Business & Personal Risk Cover
We offer comprehensive risk solutions designed to protect both your business and personal world from unexpected loss. Whether you are safeguarding a growing company or securing your lifestyle assets, our team provides tailored cover built on an understanding of your unique exposures.
With HRA, you gain the confidence of knowing your most important belongings, investments, and responsibilities are protected by experts committed to your long-term security.
What It Covers:
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Business risk solutions for SMEs and large companies
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Personal asset protection (home, valuables, lifestyle items)
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Liability exposure management
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Loss or damage to insured property
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Tailored cover based on individual or organisational need
Property & Related Insurance
Your property is one of your most valuable investments — and we ensure it’s protected with dependable, responsive insurance. From residential homes to commercial and industrial buildings, we provide cover that guards against the risks that matter most.
Our solutions minimise disruption after an unforeseen event, helping you recover quickly and with ease, so your home or business can continue running smoothly.
What It Covers:
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Residential buildings and home contents
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Commercial buildings and business premises
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Fire, storm, water, and accidental damage
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Theft and vandalism
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Outbuildings, improvements, and fixtures
Engineering Works & Plant Cover
Our engineering and plant cover provides essential protection for companies involved in construction, infrastructure, and technical operations. We insure plant, machinery, and works in progress to minimise downtime and financial loss in the event of damage, breakdown, or unforeseen incidents.
With tailored solutions for complex engineering risks, we help ensure your projects stay on track and your equipment stays productive.
What It Covers:
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Construction and engineering works
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Plant, machinery, and equipment
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Contract works and installations
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Damage or breakdown of plant items
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Risk protection during project execution
Agricultural Insurance
We offer tailored protection for farmers and agricultural operations, including cover for crops, machinery, livestock, and farmer’s assets. Our solutions help secure your livelihood against unpredictable weather, operational risks, and industry-specific challenges.
What It Covers:
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Crop insurance
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Farmer’s assets (buildings, tools, equipment)
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Livestock and produce
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Secondary agricultural industries
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Theft, weather damage, and operational risks
Professional Indemnity & Specialised Liability
Professionals and businesses face unique risks that require specialised protection. Our indemnity and liability solutions safeguard you against claims arising from professional services, decisions, or advice.
From consultants and contractors to corporate leaders, we deliver strong, dependable cover that protects your reputation, your finances, and your ability to operate with confidence.
What It Covers:
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Professional indemnity for consultants, service providers, and experts
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Errors, negligence, or advice-based claims
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Directors’ and officers’ liability
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Product liability and public liability
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Specialist guarantee and rehabilitation cover
Motor & Fleet Insurance
Our engineering and plant cover provides essential protection for companies involved in construction, infrastructure, and technical operations. We insure plant, machinery, and works in progress to minimise downtime and financial loss in the event of damage, breakdown, or unforeseen incidents.
With tailored solutions for complex engineering risks, we help ensure your projects stay on track and your equipment stays productive.
What It Covers:
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Passenger vehicles and company cars
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Commercial fleets and delivery vehicles
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Damage, theft, and hijacking
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Third-party liability
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Windscreen and emergency roadside assistance options
Services We Provide
Specialist Guarantee & Rehabilitation
Guarantee and rehabilitation cover supporting contractual obligations and financial recovery after unexpected disruptions.
Mining Insurance
Specialised insurance safeguarding mining operations, equipment, and revenue against complex industry-specific risks.
Cyber Insurance
Protection against cyber threats, data breaches, and digital disruptions affecting business operations and reputation.
Kidnap & Ransom Insurance
Specialist cover providing financial protection and crisis support during kidnapping, extortion, or detention incidents.
Tax Risk Insurance
Cover for unforeseen tax liabilities and disputes, helping manage financial exposure and compliance risks.
Golf Course Insurance
Tailored protection for golf courses, clubhouses, equipment, and day-to-day operational risks.
Environmental Impairment Insurance
Cover for pollution incidents, environmental damage, and related third-party claims across regulated industries.
Political Rights & SASRIA Cover
Protection against riots, strikes, civil unrest, and politically motivated damage or disruption.
Marine & Heavy Transport Insurance (GIT)
Insurance for goods in transit, marine cargo, and heavy transport against loss or damage during transportation.
Aviation Insurance
Specialised cover for aircraft, operators, and aviation-related liabilities in private and commercial operations.