The ONE Professional Policy is designed to meet the needs of graduated professionals for their business and personal assets.

Target Market

  • Doctors
  • Lawyers
  • Pharmacists
  • Registered financial service providers (FSPs)
  • Other professionals

Key Benefits

  • Combined cover for business and personal assets, liabilities and vehicles(business and personal)
  • Electronic equipment covered under office contents
  • Forcible entry stipulation not required under the theft section
  • Professional indemnity excess covered up to R15 000
  • Dispensing risk covered up to R20 000
  • Road cover
  • Roadside and office assistance
  • Directors and officers liability is available

Automatic Extensions


Automatic extensions under the Contents of office/Consulting Rooms section include

  • Contents are the entire contents including electronic and data carrying equipment, medical equipment and stock in trade
  • Damage to premises – limited to R7 500
  • Death following assault – limited to R5 000 per person
  • Accidental damage  - limited to R50 000
  • Loss of or damage to documents – limited to R50 000
  • Legal liability as a direct consequence of loss or damage to documents – limited to R1 000 000
  • Increased cost of working – limited to 25% of sum insured
  • Reinstatement of electronic data – limited to R10 000
  • Loss of rent – limited to 25% of sum insured
  • Equipment on loan
  • Incompatibility cover – limited to R25 000
  • Professional fees – limited to R20 000
  • Claims preparation Costs – limited to R20 000

Automatic extensions under the Business Interruption section include

  • Additional increase in cost of working – limited to R100 000
  • Suppliers – specified
  • Prevention of Access – Extended cover
  • Public Utilities – extended cover
  • Public Telecommunications – extended cover
  • Claims preparation costs – limited to R20 000

Automatic extensions under the Money section include

  • Clothing and personal effects – limited to R5 000 per person
  • Counterfeit Currency – limited to R1 500
  • Damage to safes and strong rooms – limited to R5 000
  • Keys, locks and combinations – limited to R10 000
  • Public holidays, seasonal increase – limited to 50% increase in sum insured
  • Temporary Protection and watchmen – limited to R5 000

Automatic extensions under the Broadform liability section include

  • Wrongful Arrest and defamation – limited to R100 000
  • Legal Defence costs – limited to R100 000
  • Products liability – Limited to R1 000 000
  • Extended reporting option
  • Additional Insured
  • Tool of Trade
  • Employee’s and visitors property
  • Unattached Trailers
  • Emergency Medical expenses
  • Car parks
  • Gratuitous Advice
  • Acquisitions and New business
  • Advertising signs or signage -  limited to R5 000
  • Damaged Glass Stock or contents – limited to R10 000

Automatic extensions under the Buildings Combined section include

  • Subsidence and landslip(full value)
  • Damage to landscaped gardens – limited to R5 000
  • Leakage – 25% of insured value
  • Locks and Keys – limited to R2 500
  • Maintenance and cleaning equipment – limited to R30 000
  • Removal of fallen trees – limited to R5 000
  • Repairs and precautionary measures – limited to R5 000
  • Security Guards – limited to R5 000
  • Accidental damage to pumps or machinery for swimming pools, water features and ponds – limited to R5000
  • Public Supply connections
  • Loss of rent – limited to 25% of sum insured
  • Accidental damage – limited to R250 000
  • Liability – limited to R500 000
  • Glass – limited to R15 000 if not specifically insured

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