Commercial Short-Term
Commercial Property, Fleet & Specialist Cover
Specialist commercial insurance for Namibian businesses — from single-shop retailers to industrial plants. We structure cover that holds up under audit, claim, and growth.
What is Commercial Property, Fleet & Specialist Cover?
Commercial insurance is where the cost of getting it wrong is highest. An under-insured warehouse fire, an uncovered machine breakdown, a missing professional indemnity policy — any of these can end a business. And yet it's also where the most under-priced, under-scoped policies are sold.
We specialise in placing complex commercial risk with Namibian and South African underwriters. That means proper sums-insured calculations, the right wording for your industry, and policy structures that pay out cleanly when audited or claimed against.
Who is this for?
- SMEs with premises, stock, or equipment
- Construction firms and contractors
- Industrial plants and manufacturers
- Logistics, transport, and fleet operators
- Professional services firms (accountants, attorneys, consultants)
- Body corporates and rental property owners
What's covered
Commercial Property
Buildings, contents, stock, and tenants' improvements — at correct replacement values.
Plant & Machinery
Cover for heavy machinery, generators, and industrial equipment, including breakdown.
Commercial Fleet
Multi-vehicle cover with consolidated billing and fleet-discount structures.
Professional Indemnity
Cover for negligence claims arising from professional advice or services.
Fidelity Insurance
Protection against employee dishonesty, theft, and embezzlement.
Public Liability
Cover for third-party injury or property damage on your premises or operations.
Business Interruption
Replaces lost gross profit and pays standing costs if a claim shuts you down.
Specialist Cover
Marine, aviation, contractors all-risks, electronic equipment, and cyber.
Frequently asked questions
How do I know if my sum insured is correct?
You shouldn't be guessing. Buildings should be insured at replacement value (not market value), and contents/plant at current new replacement cost. We arrange professional valuations where needed and review annually.
What's the difference between Public Liability and Professional Indemnity?
Public Liability covers physical injury or property damage to third parties. Professional Indemnity covers financial loss caused by your professional advice or services. Most professional firms need both.
Can you cover construction and contractor risks?
Yes — Contractors All Risks (CAR), plant and machinery breakdown, third-party liability, and professional indemnity for engineers, architects, and project managers.
Does my commercial policy include cyber cover?
Almost certainly not — cyber is a separate add-on or standalone policy. Given the data-protection obligations and supplier-chain exposure most Namibian businesses now carry, it's worth pricing for any business handling personal data or processing payments.
Ready to talk?
Get a no-obligation quote tailored to your situation. We compare the Namibian market and recommend what fits.