Services
Business
We understand that purchasing insurance can be daunting and confusing, it is hard to know if you are getting the best deal or if you are adequately insured.
Insurance is a required necessity for every business, small, medium, or large corporates including individuals because risk is continuously evolving, a modern fact for business and society.
You know and understand your business better than us, we understand risk. It is our responsibility to listen to your needs and tailor solutions to suit your business requirements and needs.
Insurance Solutions for your personal and business requirements
Personal
Insurance
How many times do you review the value of your house or your vehicle?
Most people do not, and they do not even know that they are currently under insured.
Many of your treasured possessions lose value over time. If you have a market value policy, depreciation can leave you worse off in a claim.
We offer you insurance cover for the following:
Commercial
Insurance
Quality insurance exactly where you need it – and nowhere where you do not.
Our insurance policy is specially designed for your business and all its unique needs. We are here to help you make sense of the different types of cover and find the right policy for you, leaving you free to focus on making a success of your business.
What does the policy cover?
The policy covers loss or damage to assets like buildings, stock, machinery, office, and other contents. It is important to keep an accurate value of all assets to be able to demonstrate how your sums insured have been arrived at in the event of a claim.
Other areas that are covered are:
Transport
Insurance
For Today’s Unique Risks
The transport insurance covers are specifically designed to protect you for work -related activities.
What does the policy cover?
Landlords/
Property Owners
Insurance
Our home, Our sanctuary.
Landlords need flexible cover too, our body corporate insurance covers things like buildings, contents, loss of rent, trustee’s liability, geyser repairs or replacement, employer’s liability, and machinery breakdown.
Specialist
Insurance
For The Ever-Evolving World.
If your business requires specialist insurance solutions with the highest level of expertise, we at LunatiRA have a team of specialist underwriting management agencies that we work with and they are capable of providing you with the best solutions for your business.
Insurance solutions can be tailormade for your Engineering, Marine, Bonds & Guarantees and Aviation requirements.
Liability
Insurance
A state of being legally accountable for something, wherein settlements can take time and can be achieved through the transfer of economic benefits such as money, service, or goods.
LunatiRA, offers various products in partnership with specialized liability underwriters.
Cyber Crime
Insurance
The policy provides cover against, cyber-crime, administrative fines, Specific costs levied by a payment card brand following a breach of Payment Card Industry Data Security Standards ( PCI-DSS), data breach response, confidentiality and privacy liability, payment of lost net profit, cyber extortion etc.
Professional
Indemnity
Cover is in respect of costs arising out of a litigation settlement by a third party against any individual, company, organisation or entity providing professional service because of negligence. If you are in the business of providing the following for a fee, it is important that you are covered:
Crime and Civil
Liability
The policy is designed to protect financial institutions against employee dishonesty, electronic and computer crime, civil liability and associated legal costs.
Directors and
Officers Liability
South African common law states that a director is in a fiduciary relationship with the company and is required to act with utmost good faith. Be it corporate governance, legislation, or common law, directors, and companies should now, more than ever, be looking to Directors’ and Officers’ (“D&O”) Liability Insurance to protect the personal assets of directors from potential liability.
The directors and management of a company carry enormous responsibility as the leaders of the business. They are expected to make informed decisions and to carry out their fiduciary duties with due care and diligence. Any failure to fulfill these responsibilities could result in litigation against them in their personal capacity.
What does the policy cover?
Following and allegation of wrongful act, including but not limited to:
