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Guaranteed fixed premium
Enjoy no increase on your premium for your first 12 months – even if you claim.
Tailored cover
Protect your business with tailor-made cover options that speak to your unique business needs.
24/7 emergency assistance
Keep your business moving with access to 24/7/365 support - including free roadside, medical and legal assistance.
Comprehensive business insurance in South Africa
Whether you need business insurance for a small business or commercial cover for enterprises, our adaptable business insurance delivers the precise protection you need.
Momentum Business Insurance’s flexible cover is designed to keep your business safe, resilient, and ready for whatever comes next.
What does business insurance cover?
Business insurance may cover a range of risks. The type of cover needed often depends on the size of the business, industry, operations, and day-to-day risks involved. Compare some common business insurance cover options below.
Comparison of types of business insurance and what is covered
Public liability insurance
Third-party injury or property damage claims
Commercial vehicle insurance
Business cars, trucks, and commercial vehicles
Goods-in-transit insurance
Business goods while in transit
Office contents insurance
Office furniture, equipment, and movable contents
Buildings combined insurance
Business premises, fixtures, and fittings
Electronic equipment insurance
Computers, printers, and business electronics
Business all-risk insurance
Portable business items taken off-site
Small business and commercial insurance solutions
Get the right protection for your business with tailored cover options. Cover your commercial vehicles, buildings, office contents and more with options designed around your business needs.
Business car insurance
Covers your registered cars, motorcycles, trucks, and other work vehicles, covering theft, damage, and lost-key replacement.
Buildings combined insurance
Protects your office, outbuildings, fixtures and fittings in the event of damage which may be caused by a force of nature, an explosion, or leakage (water systems).
Office contents insurance
Covers your movable property, like office furniture, inside the building at your business address to ensure business continuity.
Commercial fire insurance
Covers your business's building, permanent fittings, and goods, against loss or damage caused by fire, acts of nature, and explosions.
Electronic equipment insurance
Cover for your business's electronics such as computers, licensed software, and printers.
Add-on cover options
Enhance your stand-alone cover option by protecting your entire business with our customised add-ons that protect your property and cover you against unforeseen incidents, losses, or damages.
Business all-risk insurance
Protects your business items that are regularly moved from the insured premises to anywhere in the world.
Public liability insurance
Protects you for damages that you or any person associated with your business may be held legally liable to pay after an insured incident.
Fidelity insurance
Covers you for losses due to fraud or theft by your employees, directors or anyone else colluding with an employee.
Money insurance
Protects cash, cheques, postal and money orders against loss or damage inside your business premises.
Goods-in-transit insurance
Covers goods used as part of your stated business while they are being transported within South Africa and extended territorial limits.
Motor traders insurance
Covers damages that you're liable to pay for after an incident relating to your motor-trade business.
Glass insurance
Covers all fixed windows, doors, mirrors, furniture, and other fixed glass available at your business premises.
Why we're one of the best business insurance companies in South Africa
- Guaranteed no premium increase for the first 12 months even if you claim.
- Flexible cover options that can be tailored to suit different business sizes, industries, and risk profiles.
- Access to adviser-led guidance to help businesses choose appropriate cover based on their specific needs.
- 24-hour assistance for roadside, medical and legal emergencies with Momentum Assist.
Momentum business insurance benefits
Momentum Rewarder
An optional benefit, at an added cost, that rewards you with 15% of your premiums back in cash for remaining claim-free for four years.
Momentum Assist
When you need help for roadside, medical, and legal emergencies, Momentum Assist will be there for your business 24/7/365.
Car and home insurance for individuals
At Momentum Insure, we provide you with reliable short-term insurance to protect the valuables you worked hard for like your car, home, and other personal belongings. You get cover tailored to your needs, with extra rewards and benefits.