Homeowners Isurance

Commercial Building Insurance

Anyone intrinsically involved in commercial / residential property management recognises the importance of protecting their significant investment. CIA has an almost 20-year track record of success in developing products to mitigate the risks incurred by their clients across the full spectrum of building insurance.

The CIA Building Insurance Policy provides cover on a Broadform All Risk basis for commercial, industrial and residential buildings, such as offices, schools, shopping centres, hospitals, factories and warehouses.

What's Covered?

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Fire

Cover for loss or damage to buildings caused by fire and includes fires due to arson.

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Natural Disasters

Such a hailstorms, floods, tornados, lightning, earthquakes and tsunamis.

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Accidental Damage

Unforeseen and unintentional damage such as spilling paint on a carpet or drilling through a pipe in a wall.

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Loss of Rent

Loss of rent or alternative accommodation if your building becomes uninhabitable following damage until the building is again tenanted or until reasonable access to the building has been restored.

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Geysers

Geyser and maintenance cover, choose your preferred limit. Includes heatpumps and solar installations.

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Subsidence and Landslide

Limited cover (excluding dolomite and limestone areas).

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Power Surge

R50,000 included.

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Public Liability

Up to R100 million, including prior acts coverage.

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Security Gaurds

Appointment of temporary security to safeguard the property following damage.

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Sprinklers

Sprinkler system upgrades required by legislation following damage.

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Fire Extinguisher

Reasonable cost and expenses to extinguish a fire.

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Landscaped Gardens

Reinstatement of gardens following fire, impact and explosion.

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Fallen Trees

Causing damage to the building.

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Water and Dehumidification

Following water damage.

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Theft and Malicious Damage

Full cover for theft and malicious damage following forcible and violent entry into the building.

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Generator Hire

Up to R15,000 following damage.

Download our key information document below to learn more

Downloads

Access our plain language key information document, policy wording and other relevant forms here: