Business insurance
that covers inventory equipment laptops cellphones accidents injuries buildings

in a single plan

The all-in-one insurance cover for business owners, built into simple fixed price plans that are purchased online.

Prenure™ plans start from R299 pm, underwritten by Auto & General.

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View plans and pricing
  • No Quotes Needed
  • Immediate Cover
  • Monthly & Prepaid Plans
insurance cover for business owners
insurance cover for business owners
insurance cover for business owners
insurance cover for business owners
insurance cover for business owners
  • Accident cover
  • Crisis concierge
  • Asset cover
  • Device cover
Get Covered

Cover that de-risks your business

We have bundled a number of business insurance products into four simple tiered plans that provide a range of risk cover and affordability options.

Our Products

Insurance cover that spans all areas of your business

Our cover is specifically built for the small to medium business that requires a flexible insurance solution that is easy to manage and highly affordable.

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  • Cellphone, tablet and laptop cover
  • Building, equipment and stock cover
  • Personal accident, death and disability cover
  • Crisis concierge and first responder service
Self Service

Ability to change your cover as and when the business requires

Even though we have created four simple cover plans to make the process of buying business cover as easy to understand as possible, we have put the flexibility back in your hands:

  • Upgrade or downgrade your plan at any time via your online account
  • Cancel your plan at the end of a month's billing cycle with no penalties
  • Choose to take out your cover monthly or use the prepaid 3 months cover option
  • Submit claims to our efficient claims handling team via phone, email or whatsapp
Priority Claims

Highly efficient claims handling and prompt payments

We understand that insurance is a grudge purchase, and so when disaster strikes, a claim needs to be managed quickly and effectively to get your business back on its feet:

  • Dedicated team of over 30 consultants handling claim requests
  • A claim agent will handle your request from start to finish, keeping you updated
  • Successful claims are paid via EFT into your nominated account within 48 hours
  • A prior valid claim will not effect your premiums or your ability to log a future claim
Get Covered

We’ve made buying business cover pain-free

Forget the hour-long telesales call, or completing page after page of business information to get an online quote. We have turned business insurance into a simple, and easy to understand online immediate purchase.

Select your plan

Choose the plan that best suits your business insurance needs. Capture basic company, owner and beneficiary details.

STEP 1

Checkout online

Use business or personal debit and credit cards for the monthly plan, or select from a range of payment options for prepaid cover.

STEP 2

Self service account

Within your online Prenure™ account you can view policy documents, submit claims, and update your details.

STEP 3
All Industries

No matter your industry, we’ve got you covered

We have specifically built our plans to suit the majority of business types, no crazy price swings depending on your product range or trading premise location.

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Tradesman

Insurance that covers staff accidents and equipment loss

Have peace of mind knowing that your equipment is insured against disasters, your cellphone is covered out on site, and your staff are protected in case of an accident.

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Freelancers

Insurance that covers your critical digital devices in any location

If you work from home, have peace of mind that your home office is fully covered in a disaster, as well as your cellphone and laptop when working on the road. In a travel accident, then medical costs are also covered.

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Hospitality

Safeguard your premises, stock and valuable equipment

Protect your cellphone and laptop from theft in or outside your premises. If disaster strikes, make sure your valuable premises and equipment are protected, so you can get back up and trading in a flash.

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Food & Beverage

Protect your catering equipment and premises in case of disaster

If disaster strikes at your trading premises, make sure you are covered to get back on your feet as quickly as possible. Should any of your kitchen staff have an accident, then they are covered too.

Flexible Pricing

Choose a pricing plan that works for you

Whether you're an individual, a small team, or a growing enterprise, we have a plan that aligns perfectly with your goals.

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StartUp Plan

Our entry level plan that provides peace of mind at an extremely affordable rate.

R 299 /month
  • Digital Device Cover: R10,000

    Peace of mind that your digital devices (cellphone, laptop, tablet), which are integral to the day-to-day trading of your business, are protected in the instance of loss, theft, or damage.

  • Asset & Equipment Cover: R50,000

    In the event of a disaster at your premises, Prenure Asset cover will reimburse you for lost or damaged stock and equipment, to ensure that you are back up and trading as soon as possible.

  • Accident Cover: Business Owner

    If you or your staff are involved in a serious accident, Prenure personal accident insurance will provide a payout for death and permanent disability, as well as cover the midical stabilisation costs.

  • Injury: R2,500, Death: R25,000
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Growth Plan

An affordable plan that provides cover for the business that has started expanding.

R 699 /month
  • Digital Device Cover: R20,000

    Peace of mind that your digital devices (cellphone, laptop, tablet), which are integral to the day-to-day trading of your business, are protected in the instance of loss, theft, or damage.

  • Asset & Equipment Cover: R100,000

    In the event of a disaster at your premises, Prenure Asset cover will reimburse you for lost or damaged stock and equipment, to ensure that you are back up and trading as soon as possible.

  • Accident Cover: Owner + 2 Staff

    If you or your staff are involved in a serious accident, Prenure personal accident insurance will provide a payout for death and permanent disability, as well as cover the midical stabilisation costs.

  • Injury: R5,000, Death: R50,000
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Expand Plan

A mid-tier plan that covers the business that has a number of staff and assets.

R 1,299 /month
  • Digital Device Cover: R30,000

    Peace of mind that your digital devices (cellphone, laptop, tablet), which are integral to the day-to-day trading of your business, are protected in the instance of loss, theft, or damage.

  • Asset & Equipment Cover: R250,000

    In the event of a disaster at your premises, Prenure Asset cover will reimburse you for lost or damaged stock and equipment, to ensure that you are back up and trading as soon as possible.

  • Accident Cover: Owner + 3 staff

    If you or your staff are involved in a serious accident, Prenure personal accident insurance will provide a payout for death and permanent disability, as well as cover the midical stabilisation costs.

  • Injury: R6,500, Death: R65,000
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Scale Plan

Our top end plan that provides a balance of affordability and higher value cover.

R 1,899 /month
  • Digital Device Cover: R50,000

    Peace of mind that your digital devices (cellphone, laptop, tablet), which are integral to the day-to-day trading of your business, are protected in the instance of loss, theft, or damage.

  • Asset & Equipment Cover: R350,000

    In the event of a disaster at your premises, Prenure Asset cover will reimburse you for lost or damaged stock and equipment, to ensure that you are back up and trading as soon as possible.

  • Accident Cover: Owner + 5 staff

    If you or your staff are involved in a serious accident, Prenure personal accident insurance will provide a payout for death and permanent disability, as well as cover the midical stabilisation costs.

  • Injury: R7,500, Death: R75,000
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StartUp Plan

Our entry plan that provides peace of mind at an extremely affordable rate.

R 885 /3 months
  • Digital Device Cover: R10,000

    Peace of mind that your digital devices (cellphone, laptop, tablet), which are integral to the day-to-day trading of your business, are protected in the instance of loss, theft, or damage.

  • Asset & Equipment Cover: R50,000

    In the event of a disaster at your premises, Prenure Asset cover will reimburse you for lost or damaged stock and equipment, to ensure that you are back up and trading as soon as possible.

  • Accident Cover: Business Owner

    If you or your staff are in a serious accident, Prenure personal accident insurance will provide a payout for death, permanent and temporary disability, as well as cover the midical stabilisation costs.

  • Injury: R2,500, Death: R25,000
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Growth Plan

An affordable plan that provides cover for the business that has started expanding.

R 1,995 /3 months
  • Digital Device Cover: R20,000

    Peace of mind that your digital devices (cellphone, laptop, tablet), which are integral to the day-to-day trading of your business, are protected in the instance of loss, theft, or damage.

  • Asset & Equipment Cover: R100,000

    In the event of a disaster at your premises, Prenure Asset cover will reimburse you for lost or damaged stock and equipment, to ensure that you are back up and trading as soon as possible.

  • Accident Cover: Owner + 2 Staff

    If you or your staff are in a serious accident, Prenure personal accident insurance will provide a payout for death, permanent and temporary disability, as well as cover the midical stabilisation costs.

  • Injury: R5,000, Death: R50,000
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Expand Plan

Mid-tier plan that covers the business that has a number of staff and assets.

R 3,795 /3 months
  • Digital Device Cover: R30,000

    Peace of mind that your digital devices (cellphone, laptop, tablet), which are integral to the day-to-day trading of your business, are protected in the instance of loss, theft, or damage.

  • Asset & Equipment Cover: R250,000

    In the event of a disaster at your premises, Prenure Asset cover will reimburse you for lost or damaged stock and equipment, to ensure that you are back up and trading as soon as possible.

  • Accident Cover: Owner + 3 staff

    If you or your staff are in a serious accident, Prenure personal accident insurance will provide a payout for death, permanent and temporary disability, as well as cover the midical stabilisation costs.

  • Injury: R6,500, Death: R65,000
Explore This Plan
Scale Plan

Our top end plan that provides a balance of affordability and higher value cover.

R 5,595 /3 months
  • Digital Device Cover: R50,000

    Peace of mind that your digital devices (cellphone, laptop, tablet), which are integral to the day-to-day trading of your business, are protected in the instance of loss, theft, or damage.

  • Asset & Equipment Cover: R350,000

    In the event of a disaster at your premises, Prenure Asset cover will reimburse you for lost or damaged stock and equipment, to ensure that you are back up and trading as soon as possible.

  • Accident Cover: Owner + 5 staff

    If you or your staff are in a serious accident, Prenure personal accident insurance will provide a payout for death, permanent and temporary disability, as well as cover the midical stabilisation costs.

  • Injury: R7,500, Death: R75,000
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Benefit Partners

We have friends with benefits

When you’re hustling, we know every cent counts. Our partners are here to give you added benefits when you sign up with Prenure.

All Prenure™ customers automatically qualify for a 10% discount off the iKhokha flyer card machine. Just click on the link in your welcome mailer and save.

Prenure™ has partnered with Freshbooks, the leading provider of accounting software for small businesses globally. Get a discounted Freshbooks subscription.

By signing up with Prenure™, you get a free Melon Business account, allowing you to manage all your staff SIMs and Data allowances in one online dashboard.

Trusted Network

We are backed by leading underwriters

We understand what it means to put your faith in a company to back you when disaster strikes.

That’s why we have partnered with a well-known and established underwriter, and also an experienced policy management firm.

We are here to mitigate your risk for the long term, and our underwriting partnerships reflect just that.

All Prenure™ insurance products are underwritten by Auto & General. For three decades, South Africans have relied on Auto & General to take care of all their insurance needs. Auto & General are a licensed short term insurer and registered financial services provider (FSP16354).

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Prenure™ insurance policies are managed by Monitor Administrators. Since 2003 Monitor has been administering policies for leading businesses across South Africa. Monitor manage the end to end claims process with their team of over 30 customer service agents.

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