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ABOUT KUDA COMMERCIAL
Kuda Commercial offers a tailored, hands-on approach to business insurance, ensuring that clients work directly with experienced professionals who understand the unique requirements of each commercial enterprise. We focus on commercial insurance by offering thorough evaluations and personalised support, collaborating with you to develop a policy that completely covers your business needs. From safeguarding your buildings and assets to ensuring liability coverage for directors and officers, we’re committed to finding the right protection for every area of your business. With over a decade of experience, carefully curated partnerships with leading insurers, and a solid binder agreement with Infiniti Insurance, Kuda Commercial is dedicated to providing the best possible coverage for your business.
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Stable Yard Cover
Kuda’s specialised services as an equestrian broker reflect a deep commitment to understanding and addressing the unique needs of the equestrian community. By focusing on the specific risks and challenges faced by stable yard operators, we ensure that their assets and operations are comprehensively covered. This approach allows us to tailor insurance solutions that go beyond standard offerings, providing protection for everything from stables and equipment specialised facilities. Kuda’s expertise in the equestrian industry means you receive coverage that is as unique as your operations, offering peace of mind and confidence in the face of industry-specific risks.
Stud Farm Infrastructure Insurance
The Specialised Stud Farm Infrastructure Policy, offered by Kuda Insurance Brokers, provides comprehensive coverage specifically tailored for stud farms. With our in-depth understanding of the equestrian industry, we recognise the unique requirements of your operation. Our policy ensures that all critical equipment and infrastructure are fully protected – items such as paddocks, irrigation, walkers, equine spas and solariums are all included in this product offering. allowing you to concentrate on breeding excellence with peace of mind.
Professional Indemnity
Professional Indemnity Insurance is designed to protect professionals who provide specialised services or advice, such as consultants, accountants, and architects. It offers coverage against claims arising from errors, omissions, or negligence in their work. This insurance helps cover legal expenses and compensation costs if a client or third party experiences financial loss due to professional mistakes or breaches of duty.
Liability Insurance
Liability Insurance protects businesses and individuals against claims for bodily injuries or property damage caused to others due to negligence. This category includes Public Liability Insurance (for incidents where a third party is injured on your premises or as a result of your business activities) and Product Liability Insurance (for claims related to harm caused by products your business manufactures or sells). Liability Insurance is essential for businesses that interact directly with customers or the public, as it covers costs associated with accidents or damages stemming from business operations.
Directors & Officers Insurance
Directors and Officers (D&O) Liability insurance provides protection to company directors and officers against claims made for wrongful acts in their capacity as company leaders. This coverage includes legal costs, settlements, and judgments arising from lawsuits or allegations of mismanagement, breach of duty, or negligence. This cover is designed to safeguard your personal assets while ensuring you can carry out your duties without the fear of personal financial loss due to claims.
Cyber Insurance
In today’s digital landscape, your business faces vulnerabilities from cyberattacks, data breaches, and ransomware threats. Cyber insurance acts as your safety net, offering essential coverage to navigate these risks. We provide tailored solutions to meet your specific cyber insurance needs, ensuring financial protection against risks like hacking and more.
Engineering & Construction
Engineering and Construction Insurance encompasses a range of complex coverage options designed to help businesses in this sector manage their unique risks. We offer a comprehensive package that includes Liability Insurance, Contractors’ Insurance, Plant & Asset Insurance, and Machinery Breakdown Coverage. By combining these coverages, we provide tailored protection to meet the specific needs of your business, ensuring you’re fully protected against potential risks in the engineering and construction industry.
Contractors All Risk (CAR) or Plant All Risk (PAR) Policies
Engineering and Construction Insurance encompasses a range of complex coverage options designed to help businesses in this sector manage their unique risks. We offer a comprehensive package that includes Liability Insurance, Contractors’ Insurance, Plant & Asset Insurance, and Machinery Breakdown Coverage. By combining these coverages, we provide tailored protection to meet the specific needs of your business, ensuring you’re fully protected against potential risks in the engineering and construction industry.
Body Corporates & Home Owners Associations
We collaborate closely with the managing agent or body corporate to ensure your scheme is thoroughly protected. Our coverage considers essential elements such as buildings, improvements, common property, and retaining walls. Additionally, we offer expertise in liability coverage, trustee indemnity, and fidelity insurance, providing comprehensive protection for all aspects of your property management needs.
Hospitality, Bed and Breakfast
For a bed and breakfast, it’s essential to have coverage that extends beyond just the building itself. Consider protecting yourself for liability, contents, furniture, and electronic equipment. Additionally, specific coverages like guest belongings, business interruption, and food safety are crucial in the hospitality industry. This comprehensive approach ensures that you’re safeguarded against a wide range of risks associated with running a bed and breakfast, allowing you to focus on delivering exceptional service.
FLEET INSURANCE
The fleet industry has unique requirements that standard motor policies often don’t address. Our Fleet Insurance covers your entire fleet, including light delivery vehicles (LDVs), private cars, and specialized vehicles. We also offer additional options such as excess buy-downs, cross-border towing, and extensive territorial limits, ensuring comprehensive coverage that meets the specific needs of your fleet operations.
Goods in Transit
Goods in Transit insurance covers the loss or damage of goods while being transported by road, rail, air, or sea. This policy protects businesses from financial losses due to accidents, theft, or natural disasters that may occur during transit. It ensures that both the sender and receiver are compensated for damaged or lost goods, providing peace of mind and safeguarding business assets during transportation.
KUDA ASSIST COMMERCIAL
Kuda has partnered with Global Choices to offer you a personalised and cutting-edge product that provides you with instant service at the end of the phone. Kuda Assist is available on selected Commercial Policies.
- Patrol Assistance
- Locksmiths
- Tow-In
- Courtesy Transport
- Hotel Accommodation
- Car Rental
- Vehicle Repatriation
- Fixtures, Fittings & Services
- Emergency Services Notification
- Medical Advice & Information Hotline
- Emergency Medical Advice & Assistance Hotline
- Referral to Crisis Line
- Referrals to Medical Practitioners & Facilities
- Emergency Medical Response to the Scene of a Medical Emergency
- Medical Transportation
- Inter-Hospital Transfer
- Medical Repatriation
- Escorted Return of Minors
- Compassionate Visits
KUDA ASSIST HCV
Kuda has partnered with Global Choices to offer you a personalised and cutting-edge product that provides you with instant service at the end of the phone. Kuda Assist is available on selected Heavy Commercial Fleet Vehicle Policies (HCV).
The Driver is covered up to R1 000 per incident for any of the
following assistance:
- Flat Battery
- Flat Tyre
- Keys locked in the vehicle
- Fuel Assistance
- Oil, Water & Fluid Assistance
In the event that the driver experiences a mechanical or electrical breakdown, we will send out a roadside mechanic. Covered up to R2500 per incident. Anything over the limit will be for the client’s own account.
In the event that the driver experiences a mechanical or electrical breakdown, and the vehicle needs to be towed, as advised by the mechanic sent out earlier, we will tow the vehicle to the nearest repairer. Covered up to R7500 per incident. Anything over the limit will be for the client’s own account.
If the vehicle needs to be recovered from a ditch/side of the road, we will send out a specialist to assist. Covered up to a maximum of 1 hour per vehicle per incident. Kindly note that if the vehicle was travelling off-road or on an unpaved highway, the assistance will be for the client’s own account, and the normal cover of the 1 st hour per vehicle per incident, will not be applicable. We will send out a security guard (either armed or unarmed as required) to the breakdown/accident scene should the driver feel unsafe and or to prevent vandalism/theft of the vehicle or stock.
*Please note: A client will not be entitled to service where the vehicle is
not in a roadworthy condition. Any costs incurred through arrangements
made by the client without prior authorization.
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YOUR KUDA COMMERCIAL INSURANCE TEAM
UNDERWRITTEN BY INFINITI INSURANCE LIMITED
Infiniti Insurance Limited is an A-(ZA)-rated short-term insurer, with over R1,5 billion in premium income, that writes all classes of business including Aviation, Marine, Watercraft, Liability, Guarantees and Engineering. Infiniti prides itself on its strong partnership philosophy, focusing on long-term partnerships with specialist entrepreneurs and independent owner-managed brokerages.
UNDERWRITTEN BY INFINITI INSURANCE LIMITED
Infiniti Insurance Limited is an A-(ZA)-rated short-term insurer, with over R1,123 billion in premium income, that writes all classes of business including Aviation, Marine, Watercraft, Liability, Guarantees and Engineering. Infiniti prides itself on its strong partnership philosophy, focusing on long-term partnerships with specialist entrepreneurs and independent owner-managed brokerages.
