Perils

Sasria is the only short-term insurer who provides affordable, voluntary cover against unique risks such as civil commotion, public disorder, strikes, riots and terrorism to any individual, business, government or corporate entity which has assets in South Africa.

What we can do for you

Having insurance allows you or your business to prepare for such uncertainties. Our special risk insurance is exactly the solution to safeguard your assets against such incidents.

How do we operate

Municipalities

Our special risk cover extends to municipalities for their municipal assets. Mayors and councillors have a cover of up to a limit of R1.5 million for houses, and 30% of that is for the household contents.

Tertiary Institutions

Risk insurance cover from Sasria covers all South African tertiary institutions like universities, colleges Special and TVET colleges, whether the institution is public or private. All tertiary institutions that offer specific capacities of higher learning or further education can obtain Sasria cover for any of their items.

Small Businesses

Entrepreneurs who own small businesses can have their assets protected against strikes, riots, protests, public disorder and terrorism. This cover applies to small businesses which have a total value of assets of up to R2 million.

Classes of Business

Material Damage

Material damage

The material damage cover will cover your assets against losses or damages of all domestic and commercial property, equipment, containers, aviation hull, and agricultural-related such as harvest and livestock. These would have to be losses or damages caused by riots, strikes, public disorder, civil commotion and terrorism.

Money

In the case of your business handling money and you experience a loss or damage of cash and cheques in an event exposure to a strike, riot or protest, then the Money cover is for you. This cover follows the limits of the underlying policy, including the crossed cheque limitation and any claims preparation costs clause.

Goods in Transit

Keep your business moving with the goods in transit cover from Sasria. This product covers all goods in transit only on South African soil, whether it’s through the land, air or sea such as marine cargo, marine hull, and inland water vessels.

Motor

Whether is you are attending a business meeting, doing deliveries or transporting cargo across the country, your business vehicles are the life blood of your business. The motor cover from Sasria will cover your vehicles against damage or loss in motor cars, light delivery vehicles, commercial vehicles, motor fleet, motor traders, mobile plant, buses, bus rapid transport (BRT) and trailers in an event of these being damaged as a results of strikes or riots.

Business interruption

When there’s a strike or a riot, the likelihood of your business operations being interrupted is high. The Business Interruption from Sasria covers the loss of business that occurs as a result of such incident.

Construction risk

Sasria offers construction risk cover against loss or damage to a construction site, plant and tools following incidents such a strikes, riots, public disorder and terrorism.

Type of Products

Primary cover

Our primary cover will ensure that your assets are insured for us to R500 million.

Wrap cover

Our wrap cover is available to clients who are looking for a more extensive cover than the primary cover. The wrap cover goes up to R1.5 billion.

How to access cover

Sasria cover can be accessed through your underwriting manager, broker or insurer. For more information, contact your insurance provider.

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