Business Cover
Three sides of business protection.
A business is rarely undone by one thing going wrong — it’s undone by an uncovered gap nobody thought to check. We look at all three sides of business risk together: the assets, the team, and the shareholders. Get one wrong and the others don’t save you.
One advisor, three sides
Commercial Short-Term
Property, fleet, plant, professional indemnity, fidelity and public liability — placed with the right Namibian and South African underwriters, structured to hold up under audit and claim.
Explore Commercial Cover →02 · PeopleGroup Life & Employee Benefits
Group life, disability, funeral, retirement funds and medical aid — talent retention and risk management for the team, fully administered so you don't have to be an expert in twelve products.
Explore Employee Benefits →03 · ShareholdersPartnership & Buy-Sell
Buy-sell agreements funded by life and disability cover — the difference between a clean transition and a multi-year legal mess if a shareholder dies or is disabled.
Explore Partnership Cover →Why the three need to work together
Most Namibian businesses end up with insurance the same way most Namibian families do — in pieces, from different providers, over many years. A commercial policy from one broker, a group life scheme from another, a half-finished buy-sell agreement someone drafted in 2018 and never funded. Each piece works on paper. Together they often duplicate cover, miss critical risks, or pay out to the wrong place when something finally goes wrong.
We approach the three sides as one connected programme. The commercial sums-insured are reviewed annually so a fire claim doesn’t under-pay. The group scheme is sized to your actual team, not what you signed up to five years ago. And the shareholder cover is structured so that if you lose a partner, the surviving shareholders can buy them out cleanly — without forcing a distress sale of the business.
One advisor, three sides, reviewed every year. That’s the model.
Let’s look at your full picture
Book a no-obligation review. We’ll go through what you’ve got across commercial cover, employee benefits and shareholder agreements, and tell you honestly where the gaps are.