Business insurance
Your premises, rebuilt and running.
Buildings, fit-out, stock and rental income protected against fire, flood, storms and impact.
- Buildings & structures
- Fire, storm & flood
- Stock & contents
Commercial property insurance protects the bricks, mortar and assets your business depends on — buildings, premises, stock, machinery and fittings — against fire, storms, flooding, theft and accidental damage. For most businesses, the property is the single largest asset on the balance sheet.
Ample arranges commercial property cover at the correct replacement value across South Africa's leading insurers, so a major loss means a claim and a rebuild — not the end of the business.
What Commercial Property covers
Buildings & structures
Your commercial building, warehouses, outbuildings and permanent fixtures.
Fire, storm & flood
The major perils that can destroy a premises overnight.
Stock & contents
Raw materials, finished stock, machinery, tools and office contents.
Theft & malicious damage
Break-ins, vandalism and intentional damage to your property.
Loss of rent or income
Income or rent lost while the property is repaired after a loss.
Landlord cover
Protection for commercial landlords leasing out premises.
Who commercial property is for
- Owners of commercial buildings and premises
- Manufacturers and warehousing businesses
- Retailers and hospitality venues
- Commercial landlords and property investors
Commercial Property FAQs
What's the difference between commercial property and business insurance?
Commercial property cover focuses on the building and physical assets. Business insurance is broader, bundling property with liability, business interruption, vehicles and more. Many businesses need both — we structure it as one policy.
How is the sum insured calculated?
On the replacement (rebuild) value of the property and assets, not the market value. Under-insuring can see a claim reduced for 'average', so we help you set it accurately.
Does it cover loss of rental income?
Yes — cover can include loss of rent or business income while the property is unusable after an insured event, which protects your cash flow during repairs.
Is theft and vandalism included?
Yes, cover typically includes theft following forced entry and malicious or intentional damage, with options to add cover for higher-risk situations.
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
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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