COMMERCIAL INSURANCE
Protect your business with Firestone Capital Group commercial insurance. Firestone Capital Group offers comprehensive protection for your business against property damage, liability claims, and more. With Firestone Capital Group, you can rest assured that your business is fully protected in case of an unexpected event. Contact us today to get a free quote and find out how we can help protect your business.
FIRE
A standard fire policy is used for almost all business insurances.
An unexpected fire sweeping through your business can have devastating effects on your business. If the stock that you keep on your business premises is destroyed in a fire, you could be out of business for quite a while. This is not good news for any business.
Guard against damages caused by fire, lightning and explosion with this policy – which provides cover for plant, machinery, fixtures and fittings and all other contents and tenant improvements.
Cover can also be extended to include damage by storm, wind, water, hail, snow, earthquake, impact by animals, trees, aerials, satellite dishes, vehicles, aircrafts and other aerial devices or articles dropped there from, leakage or discharge from fire extinguishing appliances, subsidence and landslip and malicious damage.
BUILDINGS
If your business owns the premises from which it operates, you’ll need to make sure you cover the physical structure, as well as the fixtures and fittings.
As standard, we provide cover against Fire, water, explosion and impact damage, Weather damage from lightning, storm, wind, hail and snow.
We can also provide business property owners with optional cover against accidental damage, subsidence and landslip, malicious damage and power surges.
MOTOR FLEET
Managing your commercial motor fleet is complicated enough, partner with an insurance solution tailored to suit your specific risk profile.
With so many moving parts, managing a fleet is difficult enough. Fortunately, we can give you the single solution you need, no matter how many commercial vehicles, motorcycles, motor scooters, buses, trailers, caravans or private vehicles your business may own.
Motor Fleet Insurance protects businesses from compensation claims from third parties as a result of a motor accident as well as damages to their own motor fleet. Cover can also be extended to indemnify the insureds vehicle against accidental damage, fire and theft.
We cover a wide range of fleets, from medium-sized regional operations to major national chains, requiring unconventional fronting and captive solutions. We are ready to help you create the perfect, customised solution to match your specific needs.
ELECTRONIC EQUIPMENT
In today’s business environment, utilizing technology is at the forefront of any successful business model. Without electronic equipment, it is almost impossible to functions effectively as a business.
Whether your business makes use of laptops, tablets or specialist electronic devices, we’ll make sure they are replaced if lost, stolen or damaged due to fire, water, explosion, accidental or malicious damage, lightning, storm or power surges.
THEFT
We all know burglaries can be costly if your business premises are not properly insured. And in all cases, regardless of where you are located, burglary prevention must start with the business owner.
Short-term insurers recommend a combination of measures to be in place to protect your business including suitable locks, burglar bars, security gates, an appropriate alarm system linked to armed response as well as adequate indoor and outside lighting.
This form of insurance will cover your business contents against loss of damage after forcible and violent entry or exit into your building under the Theft section and also includes cover in the event of an armed robbery.
BUSINESS INTERRUPTION
Business interruption insurance is coverage that replaces business income lost in a disaster. The event could be, for example, a fire or a natural disaster.
By ‘business interruption cover' we mean your financial loss due to the interruption of, or interference with, your business activities, following a loss or damage that you've claimed for under fire, buildings combined or office contents insurance.
The cost of damage to your business’ property is one thing. But what about the cost of not being able to actually do business as a result? With interruption insurance, you can recover lost gross revenue, gross profit and gross rental income, as well as increases in cost of working. You can also extend this cover to insure your business against a reduction in turnover following damage to the property of clients or suppliers.
GOODS IN TRANSIT
This form of cover provides indemnity to the owner of goods if they are damaged or lost while in transit.
When a pothole hits your delivery van that's full of precious cargo, you need comprehensive cover with a no-holes policy.
We know that transport damage and theft happen all-too-often, whether the goods are in your own motor, or being transported by your business fleet or professional carriers. With the right cover in place, this damage won't slow down your business.
OFFICE CONTENTS
Have you ever wondered how you would be able to continue your daily workflow in the office if all your contents were stolen or damaged? This could have a severe impact on your workflow and productivity as a company going forward. Luckily, Firestone Capital Group has a back-up plan for you.
We will provide you with certainty by covering your office contents, rent and alternative premises, documents and legal liability related to documents and increased cost of working, so that you can keep doing what you do.
Office contents insurance guards the everyday operational assets at your place of business – from stationery and staff personal effects to furniture and loss of rent. Every little thing adds up, so make sure the sum insured under this cover is for the full replacement value
MONEY
“Cash is king” is a saying that still rings true especially for small businesses. But having a lot of cash on your premises increases your risk of armed robberies and burglaries. There are, however, a number of ways in which you can protect yourself.
This section of cover provides indemnity to the insured in the event of money being stolen either from their own business premises or while it is being transported to and from the bank.
Money cover protects your cash, cheques, postal and money orders. As well as other negotiable money instruments.
From small to medium-sized businesses, this is extremely important form of cover as large sums of money are drawn from the banks to meet wages or when you have received large sums of money for your delivered services from customers.
MACHINERY BREAKDOWN
Cover can be provided for the costs to repair sudden and unexpected failure of electrical and mechanical production machinery.
The Machinery Breakdown cover can also be extended for the loss of product (raw material in process) which was being processed when the machine broke down as well as Deterioration of Stock in cold storage, following breakdown of the refrigeration equipment.
In addition to the policy cover, it extends to include provision for breakdowns caused by operator error and ingress of foreign objects.
PUBLIC LIABILITY
Many businesses come in contact with the general public and interacting with them comes with various risks. A customer could slip and fall on a wet floor, even if you put up warning signs, and you could wind up with a lawsuit on your hands.
Public liability insurance covers damages that you are legally liable to pay, relating to an incident at your premises, or about your business. You can also be held liable for the actions of any member, partner, director, principal, or employee representing your business.
Your cover will also extend to accidental death, illness or physical injury to any person, accidental loss of or damage to tangible property belonging to your landlord, visitor or any member, partner, director, principal or employee representing your business and damages resulting from wrongful arrest, any associated assault, and defamation.
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