Your house or buildings, vehicle, personal and business items are all a vital part of your life. If anything happens to them you can have peace of mind, knowing that you are properly protected. Helfin’s products are specifically designed and tailored to suit each one’s insurance requirements perfectly.
Commercial Policy Wording
Not Solicitation or Advice:
Please note the information contained below is only a guide to assist when making decisions on your cover and should by no means be taken up as financial advice nor is it a replacement of your products actual policy wording. The correct policy wording will be provided by the nominated insurer and may be requested at any time when consulting your financial advisor.
Accidental Damage Section
Accounts receivable section
Buildings Combined Section
Business all Risk
Accidental physical loss of or damage to any tangible property belonging to the insured or for which they are responsible at the premises.
Loss or damage to the insured’s books of accounts whereby the insured is unable to trace or establish the outstanding debt balances owed to him.
Damage by perils as described in the Fire Section to buildings, outbuildings, landlords fixtures and fittings, walls, gates, driveways etc. including loss of rent and legal liability.
Loss of or damage to specified items described in the schedule while anywhere in the world by any accident or misfortune not otherwise excluded.
Employers’ liability section
Damages which the insured shall become legally liable to pay consequent upon death of or bodily injury to or illness of any person employed under a contract of service or apprenticeship with the insured, which occurred in the course of and in connection with such person’s employment by the insured within the territorial limits and on or after the retroactive date shown in the schedule, and which results in a claim or claims first being made against the insured in writing during the period of insurance.
Stated benefits section
Bodily injury caused by accidental, violent, external and visible means to any principal, partner, director or employee of the insured specified in the schedule. The company will pay to the insured, on behalf of such person or his estate, the compensation stated in the schedule in the event of accidental bodily injury to any such person directly and independently of all other causes resulting within 24 calendar months in death or disability as specified in the schedule.
Fidelity Section
Damages which the insured shall become legally liable to pay consequent upon death of or bodily injury to or illness of any person employed under a contract of service or apprenticeship with the insured, which occurred in the course of and in connection with such person’s employment by the insured within the territorial limits and on or after the retroactive date shown in the schedule, and which results in a claim or claims first being made against the insured in writing during the period of insurance.
Office Contents Section
Loss of or damage to the contents as described in the Fire Section including landlord’s fixtures and fittings and property for which the insured is responsible; including property owned by the employees limited to an amount of R2,500 per person whilst contained in the offices.
Fire Section
Damage to property owned by the insured or for which the insured is responsible for by fire, lightning, thunderbolt, explosion, earthquake, water and certain other additional perils.
Electronic equipment section
Physical loss or material damage to electronic items specified on the policy.
Glass section
Loss of or damage to internal and external glass, mirrors, sign writing and treatment thereon at the insured premises.
Good in transit section
Loss of or damage to property for which the insured is responsible in the course of transit by the means of conveyance and caused by any accident or misfortune not otherwise excluded.
Group Personal Accident Section
Bodily injury caused by accidental, violent, external and visible means to any principal, partner director or employee of the insured, specified in the schedule.
Money Section
Loss of or damage to money defined as cash, bank/currency notes, cheques, postal orders, money orders, credit card vouchers etc. for which the insured is responsible.
Motor Section
Loss of or damage to any vehicle described in the schedule and its accessories and spare parts whilst thereon.
Theft Section
Loss of or damage to contents at the insured’s premises as a result of theft accompanied by forcible and violent entry/exit.
Public liability section (Claims Made)
Legal liability for accidental death, bodily injury, illness or accidental loss/physical damage to tangible property which occurred during the course of the business. Extensions available: Work Away, Products Liability and Defective Workmanship.
Business interruption section
Loss of gross profit from interruption of or interference with the business following a claim under the Fire, Office Contents or Building Combined Sections; but only in respect of perils insured under the Fire Section; at the premises described in the schedule.
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