Insurance Product | South Africa
Business All Risks Insurance in South Africa
Protect specified portable business items such as laptops, cameras, tools, and equipment while they are away from your main premises.
Business all risks is often used for specified portable items that travel with your team or are used at client sites, events, vehicles, or remote locations.
What is Business All Risks Insurance?
Business all risks insurance is designed to cover specified portable business items that are taken away from the insured premises in the course of your work.
It is often used for laptops, phones, cameras, diagnostic equipment, specialist tools, portable devices, and other high-value assets that need protection beyond standard contents cover.
Specified items away from the premises
Can include listed laptops, tablets, phones, cameras, portable electronics, tools, and specialist gear used for business.
Support for off-site work
Useful for businesses that travel, work from client premises, attend events, or depend on equipment outside the office.
Bridges the gap left by office contents cover
Standard office contents cover often stays at the premises, while business all risks is aimed at specified items on the move.
Common scenarios
Laptop stolen while travelling
A specified business laptop is stolen while an employee or director is travelling for work.
Portable equipment damaged at a client site
Declared business equipment is accidentally damaged while being used away from the insured office.
Loss of specialist gear in the field
A specified item used off-site is lost or damaged in circumstances covered by the policy wording.
Why choose SimplyCovered?
Built for mobile business assets
We help identify which items belong under office contents and which need business all risks treatment.
Clear item scheduling
Specified assets can be presented clearly with values and descriptions for better quote accuracy.
Good fit with broader business cover
Business all risks can sit alongside office contents, tools cover, liability, and cyber protection.
Easy to review as assets change
As your business buys new devices or specialist gear, schedules can be updated to keep cover current.
How much does it cost?
Premiums depend on the type of portable items insured, replacement values, theft exposure, claims history, and how often assets are used away from the premises.
- Specified item values: Higher-value laptops, cameras, phones, tools, or specialist gear generally increase premium.
- Mobility and usage: Frequent travel, field use, vehicle storage, and client-site exposure affect underwriting.
- Security controls: Tracking, passwords, cases, storage habits, and prior theft losses influence pricing and terms.
Frequently Asked Questions
Is business all risks the same as office contents?
No. Office contents is generally for assets kept at the premises, while business all risks is usually for specified portable items away from the premises.
Do I need to list each item?
Usually yes. Insurers often require specified items, values, and descriptions for business all risks cover.
Can tools be insured under business all risks?
Sometimes, depending on the wording and insurer appetite. In some cases tools may be better handled under dedicated tools and equipment cover.
What information helps with a quote?
Prepare an item list with replacement values, descriptions, how the items are used, and where they are carried or stored when away from the office.
Protect the portable items your business carries everywhere
Tell us which business assets leave the premises, what they are worth, and how they are used.