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Commercial Insurance

Mutual & Federal

Mutual & Federal offers insurance products for most commercial enterprises. There are standard market-agreed wordings such as Multimark III for smaller businesses. Business ventures that we insure range from sole traders through to large companies.
Examples of the types of insurance cover that we offer to businesses are:

  • Fire, storm and explosion cover for buildings, machinery and stock

  • Business interruption cover following fire damage

  • Theft cover for machinery or stock

  • Money cover for cash on hand up to certain amounts, also if stolen whilst being taken to or collected from a bank

  • Liability cover for costs incurred as a result of an accident for which the businessman is held responsible and is legally liable

  • Personal accident cover for all staff working for the business

  • Motor cover for damage caused to company vehicles (includes elements of liability and Third Party Cover)

  • Fidelity cover for acts of dishonesty where employees defraud the company

Most business insurances are placed with our company through a broker. The broker negotiates the insurance package with Mutual & Federal in order to tailor-make the specific cover required by each client.


Santam Commercial is your key to excellent service and complete peace of mind. It is a flexible insurance solution, based on the unique needs of entrepreneurs. Whatever your insurance needs; Santam Commercial is the policy that will fit your business profile perfectly.
We take care of you with one insurance plan that will adapt to your requirements. It includes:

  • The general contents of your business

  • Theft of stock

  • Electronic equipment

  • Documents

  • Specialised equipment

  • Loss of income