A policy may list buildings, stock, equipment and vehicles, but the real exposure sits in how the business operates. Production dependencies, contractual responsibilities, supply chains, security measures, specialist activities and the time it would take to recover after a loss all influence whether the cover is appropriate.

Inscorp takes a practical view of the business before recommending cover. The aim is not simply to place a policy, but to identify the gaps that could become expensive at claim stage.

• Small and medium-sized businesses
• Manufacturers, warehouses, wholesalers and distributors
• Property owners and commercial landlords
• Contractors and service businesses
• Professional practices
• Transport and logistics businesses
• Aircraft owners and aviation-related businesses

• General Business Insurance
• Business Interruption
• Liability Insurance
• Goods in Transit, Carrier’s Liability and Contingent Liability
• Stock Throughput and Marine Cargo
• Aviation Insurance
• Political Risk and SASRIA-related Exposure
• Alternative Risk Solutions

• Business Interruption limits or indemnity periods that no longer match the recovery time
• Outdated stock values, asset registers or replacement costs
• Machinery, specialist equipment or new premises not properly specified
• Liability limits that do not match the contracts being signed
• Cyber and POPIA-related exposures not considered
• Goods in Transit cover that does not match ownership, liability or movement of stock
• Subcontracting or changed business activities not disclosed
• Buildings insured without correctly recording occupancy or tenant use
• Risk-management conditions, warranties or security requirements not followed
• Underinsurance and specialist risks left inside a general policy without proper review