Business insurance
Business & Commercial, without the babble.
Comprehensive cover for your premises, stock, vehicles and day-to-day operations.
Business and commercial insurance is the all-in-one cover that keeps your company trading through fire, theft, accidents and liability claims. It bundles the everyday risks every South African business faces — your premises, stock, equipment, vehicles and legal liability — into one tailored policy.
Ample builds commercial cover around how your business actually operates, compares it across South Africa's leading insurers, and gives you one broker who handles everything from advice to claims.
What Business & Commercial covers
Buildings & contents
Your premises, fittings, stock, machinery and office equipment.
Business interruption
Lost income and ongoing costs while you recover from an insured event.
Theft & money
Break-ins, stock theft and cash on the premises or in transit.
Liability
Claims from customers, suppliers or the public for injury or damage.
Vehicles & assets
Commercial vehicles, plant and portable equipment.
Tailored sections
Glass, signage, goods in transit, electronic equipment and more.
Who business & commercial is for
- SMEs and growing companies
- Retailers, manufacturers and service businesses
- Any business with premises, stock or staff
- Owners who want one policy, not ten
Business & Commercial FAQs
What does business insurance actually cover?
It's a modular policy — you choose the sections you need, from buildings, contents and stock to business interruption, liability, vehicles and goods in transit. We build the right combination for your specific business.
Do I need it if I work from home?
Often yes. Home insurance usually excludes business activity, stock and equipment. A small commercial policy covers your tools of trade and your liability to clients.
What is business interruption cover?
It replaces lost income and pays ongoing costs like salaries and rent while your business recovers after a fire, flood or other insured event — often the difference between surviving a disaster and closing.
How is the premium worked out?
On your industry, turnover, the value of your assets and your claims history. As brokers we compare insurers to get you the right cover at a competitive premium.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Related business cover
Get a personalised quote
Let’s prove our reliable insurance cover.
Tell us a little about what you need and your dedicated broker will be in touch — usually within one business day. No bots, no pressure.
- Call us0861 112 466
- Email usinfo@ampleinsurance.co.za
- Office hoursMon–Fri, 08:00–16:30