Short Term Insurance
In an environment of escalating inflationary pressures and the accompanying rising costs of living, nobody can afford the replacement costs of having their house burgled or car stolen. Get peace-of mind by investing in your financial security with a short-term insurance product.
- House Holders Cover
Property insured means household goods and personal effects.
If the property insured is lost or damaged by an insured event, Insurers will pay for or may choose to repair or replace it. The amount payable will be the current replacement cost.
Loss of or damage to the Property described by Fire, Lightning, Explosion, Storm, Wind, Water, Hail, Snow, Malicious Damage and Earthquake.
- Aerodrome Owners and Operators
Cover for the owners of an aerodrome for Public Liability, Hangarkeepers Liability, Repairers Liability and Product Liability.
- Annual Contractors
Contractors who have a number of projects over the year can arrange cover for all their needs under one policy.
The total turnover for the year is required and the maximum contract value for the largest contract will be the sum insured. This cover gives peace of mind for all contracts undertaken and if a large contract is awarded then a one off contract can be taken out to cover this or the maximum contract value can be increased to accomodate this. Liability and various add on’s can be accomodated to take clients specific needs into consideration.
- LCM Credit Risk
Referred to LCM Credit Risk – Greg Nosworthy firstname.lastname@example.org
- House Owners Cover
Cover for owners for damage to actual buildings and outbuildings.
Damage to the acutal buildings and outbuildings, landlord’s fixtures and fittings, water, sewerage, gas, electricity and telephone connections, paths and driveways constructed of brick, concrete, pavers, asphalt or stone (not gravel), walls, gates and fences, swimming pools including fixed filtration plant, pool safety nets and covers, water pumping machinery, tennis courts, sauna and spa baths situated at the risk address.
Loss of or damage to the Property described by Fire, Lightning, Explosion, Storm, Wind, Water, Hail, Snow, Malicious Damage, Earthquake, Impact by any vehicle or animal or by falling trees, and Theft or Attempted Theft accompanied by forcible and violent entry into and exit from such building.
Cover for all makes and types of Helicopters is available.
Rotors in motion cover and also Ground Risks Only Cover, Liability Cover is available and depending on the use this can be up to R100 000 000.
- One Off Contracts
Cover for a single contract for a specific time can be covered on a one off contract. Liability and various add on’s can be accomodated to take clients specific needs into consideration.
- Motor Cover
Loss of or damage to a vehicle by an insured peril.
- BUSINESS INTERRUPTION
Financial loss as a result of damage caused by any insured peril in terms of the above Fire Section.
- Light Aircraft
All makes, types of fixed wing and home built aircraft Cover is available.
Full All Risk Cover and also Ground Risks Only Cover, Liability Cover is available and depending on the use this can be up to R100 000 000.
Plant All Risks
Cover for contractors plant on a one off or fleet basis can be arranged. This can include cranes, bulldozers, excavators – any plan and equipment.
- OFFICE CONTENTS
Loss of or damage to contents including landlords fixtures and fittings by perils described in the above Fire Section plus Theft or any attempt thereat and Accidental Breakage of fixed glass etc.
- Magni Gyrocopters
Cover for Magni Gyrocopters is available.
Available cover includes, Rotors in motion cover and also Ground Risks Only Cover, Third Party Liability Cover. The Aero Club offer a very good Third Party Liability Cover – see attached link.
- ACCOUNTS RECEIVABLE
Financial loss due to your inability to collect monies owing following loss or damage to your records of accounts.
Loss or damage due to Theft following forcible and violent entry into or exit from your premises – including damage to the premises. Cover is on a First Loss basis. (average not applicable).
Loss of or damage to money whilst in transit and at the insured’s premises during normal office hours. Transit to and from the bank must be uninterrupted and direct.
Loss of or damage to internal and external glass (including mirrors), sign writing and treatment thereon.
- FIDELITY GUARANTEE
Loss of Money and/or other property belonging to the insured or for which they are responsible, stolen by an insured employee.
Direct financial loss sustained by the insured as a result of fraud or dishonesty of an insured employee, which results in dishonest personal financial gain for the employee concerned.
- GOODS IN TRANSIT
Loss of or damage to goods in the course of transit.
- BUSINESS ALL RISKS
Accidental Loss/Damage to property insured.
- ACCIDENTAL DAMAGE
Accidental physical loss of or damage to the insured property at or about the premises by any cause not excluded by this section or otherwise insured or for which insurance is available.
- PUBLIC LIABILITY
Legal liability as a result of death or bodily injury including illness, etc., of Third Parties and/or damage to their property arising out of your business. Legal costs and expenses.
- PRODUCTS LIABILITY
Damages which the Insured shall become legally liable to pay upon accidental death of or bodily injury to or illness of any person or accidental loss of or physical damage to tangible property in the course of or in connection with the business.
- DEFECTIVE WORKMANSHIP LIABILITY
Damage which the Insured shall become legally liable to pay consequent upon accidental death of or bodily injury to or illness of any person or accidental loss of or physical damage to that part of any property which the Insured has been working on if such damage results directly from such work and also occurring after the completion and handing over of any work and caused by or through or in connection with any defect or error in or omission from such work.
- EMPLOYERS LIABILITY
Damages which the insured shall become legally liable to pay consequent upon death of or bodily injury to or illness of any person employed under a contract of service or apprenticeship with the insured which occurred in the course of and in connection with such persons employment by the insured.
- STATED BENEFITS
Bodily injury caused by accidental, violent, external and visible means to any partner in or of any director or employee of the insured.
- ELECTRONIC EQUIPMENT
All Risks of loss or damage to the items described.
- MOTOR VEHICLES
Loss of or Damage to the insured vehicles caused by:
- Accidental impact or collision
- Fire and theft
Legal liability to Third Parties arising out of death or bodily injury or loss of or damage to property.
- MOTOR TRADERS SECTION
- Internal Risks:
Loss or damage to the insured’s vehicles occurring in or on the premises.
- External Risks:
Loss of or damage to the vehicles in the insured’s care, custody or control.
Accidental death of or bodily injury to third parties and or damage to property not in the care, custody or control of the insured.
- Internal Risks:
Life & Investment
- Business Overhead Expenses
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- Buy and Sell Agreements
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- Comprehensive Plans
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- Contingent Liability Cover
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- Deferred Compensation Plans
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- Dread Disease
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- Hospital Plans
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- Income Continuation – Replacement
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- Investment Planning
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- Key Man Cover
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- Preferred Compensation Plans
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- Retirement Annuities
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- Unit Trusts
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- Funeral Benefits
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Group Disability Benefits
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- Group Dread Disease Benefits
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- Group Life Benefits
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- Group Retirement Benefits
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Medical Aid Scheme
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- Pension Funds
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- Provident Funds
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Accounting & Tax Consulting
- Private Company Formations
Name Reservations and Company Registrations for new companies and amendments existing to CC’s.
- PAYE and UIF
Pay As You Earn (PAYE) and Unemployment Insurance Fund (UIF) Registrations and submission of monthly EMP201 returns to SARS and UI-19 returns to the Department of Labour
VAT Registrations and submission of a VAT201. This return is due on the 25th of every second month depending on what VAT periods SARS allocates to you.
- Small Business Book Keeping Service
Writing up of books and preparation of annual financial statements for Close Corporations, Private Companies and Sole Proprietors.
- Small Business Tax Consulting and Tax Return Submission
Writing up of books and preparation of annual financial statements for Close Corporations, Private Companies and Sole Proprietors as well as submission of annual tax returns and bi-annual provisional returns.
- Personal Tax Consulting and Tax Return Submission
We specialize in individual income tax returns for both salaried and self-employed persons who operate as sole traders and not through a corporate legal entity.
- We complete and submit the following returns to SARS:
- Individual income tax returns – ITR12
- Provisional Tax Returns – IRP6
- Notice of Objections
- Notice of Appeals
- We also offer the following tax related services:
- Application for Tax Directives
- Application for Tax Clearance Certificates