Being a Sole Proprietor means you get all the profits, but all the risk is on you, and only you, too. That’s a lot of things to lay awake about every night.At Granadilla we say let’s take some of that risk off your hands. So when life throws fruits of all kinds at you – you can go ahead and make that punch or punch it right back in the face – whatever you feel like doing at that point of time. It’s all good because with Granadilla Small Business Insurance you are in control. So how does it work? Our Business Insurance is instant cover tailored just for you, because you choose. Every risk you can possibly worry about, has it’s own cover section and under every section, there are three (3) different levels of cover, each with it’s own inclusions, insurance limits and the associated premium. You can decide to add only one, select a few, or take all of them. But don’t worry, we won’t leave you scratching your head, wondering which ones to choose. We have done a lot (and we mean A LOT) of research to see what other people in your line of work normally choose, so we can guide you do make the right choice, for your business. As easy as Pie. Easy insurance cover to match your business needs and your pocket. And what about claims? It is as easy as pie. Just click on the Claim link, send us a short video explaining what happened and we will get our little robot soldiers onto it immediately. We’ve listed the excess percentages payable for every claim below. The good news is it is only 15% of claim in the first year and if you’ve been with us for 3 years or longer, there is no excess. As in Zero. Now isn’t that refreshing. 1-11 months 15% 12 – 35 months 7.5% 36 < 0% So if you have been claim free for 3 years / 36 month period and suffer a loss, your claim is excess free.

Running a business is risky.You never know who might trip over your equipment, or sue you for some business-related issue. That’s because in business, life happens too: some things are simply out of your control. That’s why with Granadilla’s Client Risk Insurance you get financial protection from public liability scenarios (i.e. medical, legal or defamation) where someone outside of your business believes you are to blame.

They are your right-hand peeps whenever you’re on a job.Heck, some would even call them your worktime “besties”. But instead of going by names like Tom, Jane, Dick or Harry, they have names like Ryobi, Bosch and Black & Decker. And without them at your side, you’re lost. With Portable Tools Insurance you get the peace of mind that the tools you need to do what you do best on location will be replaced or repaired when stolen, lost or damaged within the borders of South Africa.

The key to success is the gadgets that go with it…Nowadays a whole business can be run from a smartphone or laptop. With Gadget Insurance these essential business tools will always be covered, helping you never miss an opportunity.

We all need an HQ to run our business from and stuff to run it with.Should the paw-paw hit the fan with regards to covered scenarios, this insurance product may help you manage the risk of damage or loss to your business base camp (building) and all your paraphernalia (contents, electrical equipment & stock).

To anyone else it’s just a car or a bakkie.But to you, your vehicle is the KITT to your Michael Knight/Knight Rider, the Van to your A-Team or the Herbie to your Hank. Your vehicle is essential to the business you are in. You use it to deliver goods, transport work equipment or yourself or a team to various job sites. Loss or damage to it can therefore be detrimental to your business’ ability to operate. But take heart. Whether it’s just one vehicle or a fleet, our Bakkie Insurance will have your South African registered light delivery vehicle (LDV) covered within the borders of SA. And because vehicle accidents sometimes end in injuries – we’ve got your back for this too.

Being the boss is great… until someone gets hurt on the job.Who’s going to pay those medical bills or cover the costs of the lost wages while an employee is unable to work? Well, we will! With Staff Insurance we cover you and your employees for accidents at work or while doing work for you within the borders of South Africa. This insurance is suitable for all kinds of jobs. Because accidents can happen to anyone, any time. Just like Murphy!

Your business was ready to rock and roll, but an unforeseen circumstance affected operation. No or less money is coming in. What now?Loss of Income Insurance helps your business get back on track after a bump in the road by making sure overheads and expenses don’t suffer as a result.