Our Products

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.

Commercial Building Insurance

What is Covered?

Natural threats such as fires, hail-storms and floods or malicious threats such as theft and arson can cause immense damage to your commercial property. The resulting loss of rental income can be a double blow to your investment.

  • Repair, replacement or reconstructions of your insured property resulting from unforeseen/unintentional damage
  • Loss of rent, removal costs and alternative accommodation
  • Geyser maintenance and replacement
  • Public liability cover up to R100 million
  • Subsidence and landslide protection (certain areas excluded)
  • Sprinkler system upgrade
  • Fire extinguishing charges
  • Generator hire
  • Maintenance, gardening and cleaning equipment cover
  • Landscaped gardens repair
  • Removal of fallen trees
  • Appointment of temporary security to safeguard the property
  • Removal of water and dehumidification of building following damage by water

Download our key information document to learn more.


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