Business insurance
One scheme, everyone covered.
Tailored cover for body corporates, HOAs and sectional-title schemes — buildings, liability and the people who run them.
- Buildings & common property
- Public liability
- Trustees' & fidelity cover
Community scheme insurance provides the cover that bodies corporate, homeowners' associations and sectional-title schemes are required to hold — protecting the buildings, common property and the trustees who run the scheme. Getting it right is both a legal obligation and a duty to every owner in the scheme.
Ample specialises in community-scheme cover, making sure your scheme meets its obligations under the Sectional Titles Schemes Management Act and is properly protected, with one broker for the whole scheme.
What Community Scheme covers
Buildings & common property
The structures, common areas and shared infrastructure of the scheme.
Public liability
Claims if someone is injured on the common property.
Trustees' & fidelity cover
Protection for trustees and against theft of scheme funds.
Loss of levy income
Lost levies while damaged sections are repaired.
Machinery & equipment
Lifts, pumps, gates and shared plant.
Compliant replacement value
Cover set to meet the scheme's legal and bond requirements.
Who community scheme is for
- Bodies corporate of sectional-title schemes
- Homeowners' associations (HOAs)
- Managing agents and trustees
- Estate and complex management
Community Scheme FAQs
Is insurance compulsory for a sectional-title scheme?
Yes. The Sectional Titles Schemes Management Act requires the body corporate to insure the buildings and common property to full replacement value, and to hold fidelity cover. We make sure your scheme complies.
What does this cover that normal building cover doesn't?
It's built for shared ownership — covering common property, the scheme's public liability, trustees' liability, fidelity (theft of scheme funds) and loss of levy income, none of which standard home cover addresses.
What is fidelity cover and why is it required?
Fidelity cover protects the scheme against theft or fraud of its funds — for example by a managing agent or trustee. It's a legal requirement, with the minimum based on the scheme's funds and investments.
Who arranges the scheme's insurance?
The trustees are responsible, usually with a managing agent and a broker. Ample works with your trustees and agent to place compliant, competitively priced cover and handle claims for the scheme.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
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- Call us0861 112 466
- Email usinfo@ampleinsurance.co.za
- Office hoursMon–Fri, 08:00–16:30