SPECIALISED INSURANCE
You could be losing out on valuable protection by not having Firestone Capital Group as your insurance provider. Our company specialises in providing protection for businesses and individuals in a variety of industries. We have a wide range of coverage options that are sure to meet your needs, and our team of experts are always available to help you choose the right plan for you. Contact us today for a free consultation to see how we can help you protect what's important to you.
HEAVY COMMERCIAL VEHICLES
Firestone Capital Group provides a range of products specially designed to take care of all types of commercial vehicles ranging from trucks to plant items and importantly to take care of drivers as well.
This allows us to provide cover for a wide range of vehicles including trucks, trailers and special types, while also providing goods-in-transit cover for various commodities ranging from high to low risk.
We provide simple, customized, quality insurance products for the logistics industry. We have partnered with various product providers who have developed high-level fleet management solutions which include vehicle monitoring and consulted bureau service.
We are in it for the long haul!
HOMEOWNERS ASSOCIATIONS & BODY CORPORATES
We understand the unique and growing challenges faced by today’s Body Corporate’s, their trustees and managing agents.
We understand better than anyone the intricacies and risks unique to this market and the associated insurance and legislative requirements and work to ensure to protect your body corporate from the costs of property damage, fraud, theft and claims made against your community scheme by others.
Firestone Capital Group have partnered with our specialist community living insurance providers to provide cover for all types of residential, commercial and industrial community living schemes including Sectional Title Developments, Share Blocks, Homeowners Associations and Retirement Villages..
HOSPITALITY & LEISURE INSURANCE
Businesses operating in the tourism, hospitality and entertainment sectors can be exposed to a wide variety of risks that could have a serious impact on the day-to-day activities of the business.
Lodges, Game Farms, Hotels, BnBs, Clubs & Estates and businesses in the entertainment industry, just to mention a few are the types of business we provide specialised solutions for.
Custom-made insurance covers and integrated services form part of the package needed to cover the unique risks facing businesses in these dynamic and unpredictable sectors. Additional cover under this product category ranges from Deterioration of Stock, Repatriation of Wild Animals, Damage to Greens, to cover for geysers.
PROFESSIONAL INDEMNITY INSURANCE
If you provide professional advice, design, supervision or services in your work, it's important to protect your business against claims of negligence or professional misconduct.
Professional indemnity insurance essentially provides a professional with insurance cover in respect of any allegation made against them for professional negligence in the practice of their profession. This normally arises as the result of any actual or alleged negligent acts, errors or omissions and can be both in respect of a professional practice, a professional appointment, or an individual project.
We provide cover in most professions including insurance brokers and underwriters, quantity surveyors, architects, engineers, accountants and auditors, tax consultants, attorneys and advocates, estate agencies and valuators.
MEDICAL MALPRACTICE INSURANCE
Over the last decade, the size and frequency of compensation awards in medical negligence cases has increased dramatically, making medical malpractice insurance a crucially important product for healthcare professionals.
Medical Malpractice Insurance, also known as Med-mal Insurance, is designed to cover a medical professional against claims of medical negligence. This is an act, error or omission by a medical professional that deviates from the accepted medical standard of care and which then results in damages. Some examples of negligence in this context may include the failure to diagnose, misdiagnosis, surgical errors, and/or the premature discharge of a patient.
This cover is necessary for anyone practicing in the traditional or non-traditional medical industry, including, but not limited to general practitioners, specialists, dentist, optometrists, surgeons, obstetricians, podiatrists, physiotherapists, psychologists, nurses, biokineticists, pharmacists, physicians, anaesthetists, chiropractors, etc.
CONTRACTORS ALL RISK
When new buildings or civil engineering projects such as motorways, corporate offices, shopping centres, hospitals or bridges are being constructed, a great deal of money is invested before the work is finished.
The risk is that the particular building or bridge may sustain severe damages during construction, which would prolong the construction time and delay the eventual completion date.
The Contractors’ All Risks insurance policy cover all types of building and civil engineering construction – from residential (housing) to commercial (shopping centres and office blocks) to infrastructure (roads, bridges, dams, water and sewage reticulation pipelines).
TRAVEL INSURANCE
If you travel without travel insurance, you open yourself up to amassing crippling medical expenses.
Taking out a travel insurance policy will provide you with financial security and travel assistance and protect you from potentially enormous financial costs. You can also obtain travel insurance for both local and international travel. A range of options are available to protect yourself and your luggage.
It is important to become aware of the fact that while you purchase your policy in a local currency, any medical expenses you may incur would be paid in foreign currencies, and this could lead to financial ruin if you are travelling to a country with a stronger currency.
Our product providers provide travel insurance cover for individual leisure travellers as well as individual business and also corporate travellers.
DIRECTORS & OFFICERS LIABILITY
As a director or an officer of a company, you are exposed to personal liability.
Today's Directors and Officers (D&Os) are operating in a litigious and complex environment, where they can be held personally liable for the mismanagement of the company due to wrongful acts. When taking up these onerous positions D&Os should make sure there is adequate D&O cover in place.
D&O provides liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification or reimbursement for losses or advancement of defence costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.
AGRICULTURE INSURANCE
At Firestone Capital Group, we understand the challenges and risks that go along with protecting your crops and assets. We know that heavy rain, hail and drought can have a catastrophic impact on your bottom line, which is why we want to help you create a sustainable business for the future.
Whether small and independent or a major commercial operation, as a farmer you are exposed to these risks. Your needs will be as unique as you and the challenges you face every day are important to mitigate to prevent a financial halt to your business.
The Agriculture policy takes care of your individual needs and includes covering risks associated with cooperative and estate wine cellars, fresh produce packaging and cooling plants, liability, exports, products guarantee, plastic tunnels, poultry, warehouse liability and many more.
As agriculture becomes progressively more sophisticated, so do the complexities of protecting against the risks involved and farmers should rely more heavily on the professional analysis and insight of a trusted advisor when it comes to protecting these assets.
MARINE & CARGO INSURANCE
If you are involved in the movement of goods – either domestically or internationally – then you are forced to contend with a multiplicity of risks.
Marine insurance indemnifies vessel owners against the loss or damage of ships at sea or on inland waterways and ascribes value to the cargo on board should it be compromised in any way.
Marine cargo insurance further compensates owners of cargo lost or damaged en route through fire, theft or shipwreck but does not cover losses that could be recovered from the carrier’s insurance.
Many industry underwriters will include a “time element” clause in policies, which extends cover to loss of profit and other business expenses that may be incurred through delays caused by an insured loss.
AVIATION INSURANCE
The aviation industry faces unique challenges and risks. Protect your aviation business, cargo and passengers with a specialist insurance solution.
We provide client-focused solutions and innovative insurance for all aircraft owners and operators in Africa and the Indian Ocean islands. Our range of insurance products caters for jets, turbo-props, all fixed-wing and rotor-wing aircraft, vintage aircrafts and even hot-air balloons. We also offer cover in respect of airports operators and owners’ liability, hangar keeper’s and repairers liability insurance, as well as turbine-engine breakdown cover.
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