Commercial Insurance

Protecting Your Business with Confidence and Care

At EMM, we provide comprehensive commercial insurance solutions tailored to protect businesses of all sizes — from independent entrepreneurs to large multinational companies. Whether you're securing your assets, vehicles, staff, or operations, our team is here to help you build a safer, more resilient business.

Our commercial insurance includes:

Business asset protection for buildings, stock, equipment, and more
Liability insurance to cover legal and third-party risks
Commercial vehicle cover for fleets and business-use vehicles
Business interruption insurance to safeguard cash flow during downtime
Custom solutions tailored for your industry and risk profile

We combine deep industry knowledge with a friendly, client-first approach to deliver insurance that’s not only precise and effective — but easy to understand and manage.

Let us take care of your risks, so you can focus on growing your business.

🏭 Commercial Insurance

Tailored Protection for Businesses and Entrepreneurs

Our commercial insurance is built specifically for entrepreneurs and business owners who need reliable protection in today’s fast-moving environment. We offer customized cover designed to meet the unique challenges faced by companies in the commercial and industrial sectors.

You can protect:

Your assets — including buildings, equipment, and inventory
Your operations — with business interruption and liability cover
Your workforce — through employee-focused risk solutions
Your vehicles — with commercial auto insurance

Whether you're running a startup, factory, or retail operation, our flexible commercial insurance products give you the confidence to focus on what matters most: growing your business.

🏢 Assets All Risks Insurance

Comprehensive Asset Protection for Corporates and Multinationals

Assets All Risks insurance is specifically designed for large businesses and multinational corporations. This premium product offers broad-spectrum cover for high-value assets — tailored to the unique demands of the corporate and industrial environment.

Cover includes:

Protection for fixed assets, equipment, and property
Coverage against a wide range of risks, from fire and theft to accidental damage
Custom-built policies that reflect the complexity of your operations
Flexible options for multi-site and international coverage

Whether you're managing a global enterprise or a large-scale local operation, EMM ensures that your critical assets are covered — giving you the security to lead with confidence.

🏙️ Commercial Property

All-Risks Cover for Business Buildings and Property Portfolios

At EMM, we offer comprehensive commercial property insurance that goes beyond standard cover. Our all-risks policy is designed for businesses with high-value properties or extensive portfolios, providing robust protection against a wide range of potential risks.

This product includes:

Full all-risks coverage for commercial buildings
Protection for structural damage, fire, theft, and accidental loss
Tailored policies for single buildings or entire property portfolios
Flexible options for landlords, developers, and corporate property owners

Whether you manage one commercial building or a nationwide property portfolio, EMM ensures you’re covered with confidence — and supported by a team that understands your business.

🏢 Sectional Title Insurance

Specialized Cover for Sectional Title Properties

Sectional title insurance that meets all legal requirements under the Sectional Titles Act of South Africa. Our policy is specifically designed for sectional plan properties, offering a reliable and compliant insurance solution for buildings managed under a sectional title arrangement.

Our sectional title insurance offers:

Full compliance with the Sectional Titles Act
Cover for shared buildings, common property, and structural elements
Protection against fire, theft, accidental damage, and natural disasters
Custom solutions for body corporates and property managers

Whether you're managing a residential complex, townhouse development, or mixed-use building, EMM ensures your property is protected — with confidence and clarity.

⚖️ Specialist Liability Insurance

Protecting Your Business Against Legal Risk

Specialist liability insurance crafted for businesses operating in the commercial and corporate sectors. We provide broad and reliable coverage to protect you from third-party legal claims that can arise during day-to-day business activities.

Cover includes:

Protection against legal liability to third parties
Cover for bodily injury, property damage, or financial loss resulting from business operations
Tailored solutions for high-risk industries and specialist services
Peace of mind with comprehensive legal support and risk mitigation

Whether you're a service provider, manufacturer, or corporate enterprise, EMM helps shield your business from the unexpected — with precision, reliability, and professionalism.

🚚 Transport Insurance

Reliable Cover for Trucks, Fleets, and Owner-Drivers

Flexible and comprehensive transport insurance tailored for the unique needs of the logistics and transport industry. Whether you're an independent owner-driver or managing a large commercial fleet, our solutions provide the protection you need to keep moving with confidence.

Transport cover includes:

Insurance for individual trucks and owner-drivers
Tailored solutions for small transport fleets
Full cover for large fleet operations and logistics companies
Protection against accidents, theft, damage, and third-party liability

We understand the challenges of life on the road — and we’re here to keep your vehicles, cargo, and business operations protected every step of the way.

🚗 Motor Fleet Insurance

Smart, Scalable Cover for Large Commercial Fleets

Motor fleet insurance is designed for businesses operating fleets of 50 or more vehicles. This flexible, cost-effective solution provides comprehensive coverage for your entire fleet — without the need to specify every individual vehicle.

Offer includes:

Full commercial vehicle insurance for large fleets
Premium deposit options to reduce upfront costs
Coverage for unspecified vehicles within your operational scope
Support with fleet risk management and claims efficiency

Ideal for logistics companies, transport providers, and large service fleets, our Motor Fleet policy helps you stay protected, compliant, and in control — with simplified administration and expert support.

⚓ Marine Insurance

Comprehensive Cover for All Your Marine Needs

Flexible and full-spectrum marine insurance designed to protect your goods, vessels, and marine operations — whether you're navigating local waters or international trade routes.

Marine insurance solutions include:

Cargo insurance for goods in transit by sea or air
Hull and machinery cover for vessels and marine equipment
Marine liability insurance for third-party claims and legal risks
Tailored policies to match the size and scope of your marine operations

From shipping companies to import/export businesses, EMM provides the expertise and protection you need to move with confidence across any waters.