Safire’s unique Domestic Policy covers hard-earned assets against various contingencies insured under the following sections:

• The ‘Houseowners’ section covers domestic dwellings and outbuildings, while the ‘Householders’ section covers the contents of the dwelling, including personal effects and valuables;
• ‘Specified’ and ‘Unspecified’ All Risks sections cover wearing apparel and personal effects whilst away from the residence;
• ‘Motor’ section covers all types of private vehicles such as cars, motorcycles, trailers and caravans;
• ‘Liability’ section covers you against any legal liability, resulting from your negligence, which causes loss of or damage to property belonging to a third party or death of or bodily injury to a third party.
Safire’s Domestic Policy encompasses comprehensive cover to ensure that all your assets are fully protected.

Safire’s Commercial policy covers commercial and industrial risks tailor-made to suit your requirements. Ensure that all assets relating to your business are suitably covered against all the risks that you may be exposed to. Our Commercial Policy offers insurance protection under the following sections of cover: Fire Cover; Buildings Combined; Office Contents; Loss of Profits; Accounts Receivable; Theft; Money; Glass; Fidelity Guarantee; Goods In Transit; Business All Risks; Accidental Damage; Public Liability; Employer’s Liability; Stated Benefits; Group Personal Accident; Motor and Electronic Equipment; and Small Craft Marine.

At Safire, we have taken the standard, MultiMark 3 wording used by most short-term insurance companies, and adapted it to maximise the range of cover available to our clients.

Included under Safire’s Commercial Policy is a comprehensive Farming Policy, based on Safire’s extensive knowledge of the farming industry from its co-operative background. This policy is also based on the Multimark 3 wording, which is an industry standard. However, the wording has been modified to suit the farmer, introducing cover for damage to tractor/combine tyres; liability incurred as a result of contamination of milk; increased limits of indemnity in respect of liability resulting from spread-of-fire claims.

Safire Crop Protection Co-operative Limited is a separate legal entity, wholly managed by Safire Insurance Company Limited, which offers a newly launched niche product: Sugar Cane Cover. This specialised and comprehensive cover was developed for farmers who have dual crops of timber and sugar cane.

Plantation Cover

The Plantation programme offered by Safire Crop Protection Co-operative Limited is one of the highest levels of cover available in South Africa today for damage caused by fire, lightening and explosion to standing timber plantations and/or harvested plantations while in-field or at depots on the insured’s property. We also offer cover for harvesting costs incurred for timber damaged whilst in-field or at depot, ie. Cover for harvested timber over-and-above the nett standing value. Other extensions include Aerial Bombing cover and Debris Removal cover for non-salvageable timber that must be cleared before replanting.

Our Plantation Policy also offers our clients comprehensive Public Liability cover, including Spread of Fire, Products, Pollution, and Employer’s Liability. Cover can also be extended for landowners who have contractors operating on their property.