protect your business with insurance you can trust.

Transcription

1 protect your business with insurance you can trust. Transact Credit Invest Insure Forex Merchant Services Cash Value Adds Rewards First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

2 Contents Who we are Why use FNB Insurance Brokers? What we offer Business Insurance (assets, liabilities and financial losses) Commercial Property Insurance Liability and Professional Indemnity Insurance Aviation Insurance Marine Insurance (local and international transport insurance) Heavy Commercial Vehicle Insurance Goods-in-Transit Insurance Construction and Engineering Insurance Guarantees (fuel, mining and construction) Debtor Finance Insurance Retail Insurance Asset Finance Insurance Group Schemes

3 With FNB Insurance Brokers you get access to specialised, reliable and affordable short-term insurance advice and specialised products for your business. Who we are At FNB Business, we take the time to get to know you and your business. As a result, we understand the unique risks that are associated with your industry and how they can affect the success of your business. FNB Insurance Brokers is a brokerage that resides within FNB, trading as a division of FirstRand Bank Limited, a wholly owned subsidiary of FirstRand Limited. We specialise in business, commercial and industrial short-term insurance. There are 28 FNB Insurance Brokers branches nationally, with Insurance Specialists who provide advice on the best insurance solutions available to help protect your business assets. 01

4 Why use FNB Insurance Brokers? You will receive professional guidance from our experienced specialists who will investigate, advise and structure an appropriate solution for your business. We offer personalised cover based on your business specific needs and requirements. We will structure your policy to be cost-effective and efficient. We only partner with blue-chip insurers, for your peace of mind. What we offer The unforeseen can happen to any business, irrespective of its industry or size. Without cover against potential risks, your business is left defenceless. In the event of an insurable financial loss or loss of assets, your company may not be able to bounce back. Liability exposure over the past decade has increased substantially and the potential losses arising from this could be enormous. Protecting your assets and the security of your business should be an important aspect of your business overall financial plan, and we want to help you make the best choices. Our short-term Insurance Specialists can advise you on your insurance needs and customise our insurance solutions with your business needs in mind. We offer a full range of products, from general insurance to industry-specific cover. 02

5 Business Insurance (assets, liabilities and financial losses) Affordable and flexible cover for your business insurance exposure (ie, property, stock, tools and money) against accidents, fire, theft and third-party claims. You can choose between various packaged cover amounts and select the most affordable premium for your business. Commercial Property Insurance Liability and Professional Indemnity Insurance Liability and Professional Indemnity Insurance is an essential component of risk management. You can have the freedom to operate confidently and securely in the knowledge that the risks facing you, and those around you, are covered. Our products provide valuable cover for businesses and professionals across a broad range of industries. Commercial Property Insurance protects your property from risks such as fire, lightning and other forms of risks that can damage your building. 03

6 Aviation Insurance Aviation Insurance includes solutions for corporate aircraft, private owners, charter operators, operators liability, experimental aircraft and deductible insurance. It provides coverage for exterior losses, as well as liability for passenger injuries, environmental and third-party damage caused by aircraft accidents. Marine Insurance (local and international transport insurance) Marine and logistics risks can be complex and diverse. With our knowledge and resources, we can provide you with specialist risk advice, and incorporate your specific needs into fully tailored and competitively priced marine liability insurance solutions. In addition to marine insurance, we can tailor-make an insurance offering that covers all aspects of your financial transactions, such as rade finance credit insurance and export credit insurance. 04

7 Heavy Commercial Vehicle Insurance Goods-in-Transit Insurance Our comprehensive cover and exceptional service delivery to transport contractors includes more than the standard commercial motor cover. We also offer: Excess reducer. Theft/hijacking excess reducer. Credit shortfall. Extended wreckage removal. Extended territorial limits. Cross-border towing and loss of use. Goods-in-Transit Insurance provides financial protection against the loss of, or damage to, property your business owns or is responsible for in the course of transit. Your business Goods-in-Transit Insurance protects the following goods against loss or damage caused by fires or acts of nature, as well as accidental or malicious damage: Raw materials. Goods being manufactured or traded. Goods that belong to someone else for which you are responsible. 05

8 Construction and Engineering Insurance Tailored to suit the needs of each risk while covering all aspects of engineering and construction risk, such as: Erection All Risks (EAR) insurance. Business interruption. Delay in start-up. Advance loss of profits. Builders risk/construction All Risks insurance. Insurance for electronic equipment. Guarantees (fuel, mining and construction) Our guarantee specialists understand the importance for you to provide your clients with guarantees as opposed to cash. This will not only strengthen your clients perceptions, but will assist you in the financing of contracts and your monthly cashflow projections. Debtor Finance Insurance Companies often insure their physical assets and liabilities, but fail to protect their Accounts Receivables. Insuring domestic or export credit can help with credit control and bad debt protection. 06

9 Retail Insurance As a retailer, you supply products and services to consumers on a daily basis, which means that you have to comply with the Consumer Protection Act (CPA). The CPA aims to protect consumers from unfair business practices, but what is there to protect you? Our specialists can advise you about the risks your business is exposed to as a result of the CPA and how best to cover these risks. Our insurance cover is designed with retailers requirements in mind from stock and property to public liability. Asset Finance Insurance Our Asset Finance products are supported by WesBank and include insurance cover for the following: Fleet finance. Plant and equipment. Agri-equipment. Commercial vehicles. Manufacturing equipment. Aviation finance. 07

10 Group Schemes Group Schemes is an independent division within FNB Insurance Brokers that facilitates insurance for your business, as well as providing competitive and tailored personal insurance for your employees. FNB has been managing Group Schemes for over 25 years, and is now an acknowledged market leader in this specialised sector. Group Schemes can be arranged for groups that unite for a common purpose, such as an association, professional organisation, representative body, society, club or large employer. Commercial Schemes add value by identifying and designing schemes appropriate to the needs and objectives of each group. We will negotiate terms in the marketplace and select the Insurer that offers the best overall package, and as we handle all operational aspects of the scheme, you do not need to employ any additional resources. We can originate, design, market and administer a broad range of insurance schemes suitable to any group from car and domestic schemes to insurance for commercial vehicles. 08

11 For more information, please contact one of our Insurance Specialists or speak to a Business Banker. Terms and conditions apply.