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General Business Insurance – cover, inside and out

We understand that your business success depends on everything and everyone working together, harmoniously. When one, or more, of these elements are removed, your operation can be thrown off balance, often with long-lasting consequences. This is why we offer insurance options for all facets of your business – ensuring you are prepared, no matter what.

Browse below to find out more about each of our general business cover options. And remember, we are ready to help you create the perfect, customised solution to match your specific needs.



Buildings Insurance

If your business owns the premises from which it operates, you’ll need to make…

If your business owns the premises from which it operates, you’ll need to make sure you cover the physical structure, as well as the fixtures and fittings.

As standard, we provide cover against:

  • Fire, water, explosion and impact damage.
  • Weather damage from lightning, storm, wind, hail and snow.

Get optional cover against:

  • Accidental damage.
  • Subsidence and landslip.
  • Malicious damage.
  • Power surges.
Read more
Stock insurance

From the goods you’re storing and selling to the ingredients you need to produce…

From the goods you’re storing and selling to the ingredients you need to produce them, we can provide cover for it all.

As standard, we provide cover against:

  • Fire, water, explosion and impact damage.
  • Weather damage from lightning, storm, wind, hail and snow.

Get optional cover against:

  • Deterioration of stock.
  • Damage and loss to stock rented out.
  • Accidental damage.
  • Subsidence and landslip.
  • Malicious damage.
  • Power surges.
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Money insurance

Because cash is king, there are many associated risks. Look to us to help your insure…

Because cash is king, there are many associated risks. Look to us to help your insure your actual physical money, as well as the places in which you keep it, if need be.

As standard, we provide cover against:

  • Loss or damage to money.

 Get optional cover against:

  • Loss or damage to bigger amounts of money during seasonal periods.
  • Loss or damage to receptacles and clothing as a result of theft or attempted theft of money.
  • Damage or replacement of locks and keys to money receptacles as a result of unauthorised entry, theft or attempted theft.
  • Loss or damage as a result of entry gained by use of a skeleton key.
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Business all risk insurance

This will provide you with comprehensive worldwide cover for any business items you…

This will provide you with comprehensive worldwide cover for any business items you take or use outside of the office. These include items such as laptops, cell phones and specialist equipment.

As standard, we provide cover against:

  • Loss, theft and damage.
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Business interruption insurance

The cost of damage to your business’ property is one thing. But what about…

The cost of damage to your business’ property is one thing. But what about the cost of not being able to actually do business as a result? With interruption insurance, you can recover lost gross revenue, gross profit and gross rental income, as well as increases in cost of working.

 As standard, we provide cover against:

  • Financial loss/loss of profits when business is interrupted as a result of damage at your premises.

Get optional cover against:

  • Financial loss/loss of profits when business is interrupted as a result of damage to supplier or customer premises.
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Accounts receivable insurance

Keeping financial records is paramount for any business, which is why it's imperative…

Keeping financial records is paramount for any business, which is why it's imperative to insure your business’ actual book of accounts. 

As standard, we provide cover against:

  • Loss or damage to your business’ book of accounts.
  • Reasonable collection costs and expenses due to loss or damage of your business’ book of accounts.
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Plant, machinery and contents insurance

There are many assets on which your business may rely. We can provide cover for everything…

There are many assets on which your business may rely. We can provide cover for everything, from the machinery that helps you produce goods, or render a service, to the general office furniture.

As standard, we provide cover against:

  • Fire, water, explosion and impact damage.
  • Weather damage from lightning, storm, wind, hail and snow.

Get optional cover against:

  • Accidental damage.
  • Subsidence and landslip.
  • Malicious damage.
  • Power surges.
Read more
Glass insurance

Glass can be a major aesthetic element to your business, or even a functional one…

Glass can be a major aesthetic element to your business, or even a functional one in the case of window displays. Either way, we can provide the cover you need to fix what can be broken.

As standard, we provide cover against:

  • Damage to internal and external glass and building signage.
  • Damage to shopfronts, frames, window displays.
  • Cost of removal and reinstallation of fixtures/fittings necessary for glass replacement.
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Electronic equipment insurance

Whether your business makes use of laptops, tablets or specialist electronic devices…

Whether your business makes use of laptops, tablets or specialist electronic devices, we’ll make sure they are replaced if lost, stolen or damaged.

 As standard, we provide cover against:

  • Theft and loss.
  • Fire, water and explosion damage.
  • Accidental and malicious damage.
  • Weather damage from lightning, storm.
  • Power surge damage.
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Fidelity insurance

People can be unpredictable, which is why we offer insurance that covers your business…

People can be unpredictable, which is why we offer insurance that covers your business against employees who may act dishonestly.

 As standard, we provide cover against:

  • Loss of money or property belonging to the business, stolen by an employee.
  • Financial loss to the business as a result of acts of fraud or dishonest personal gain by an employee.
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Personal accident insurance

Businesses is nothing without the people who are involved. This type of insurance…

Businesses is nothing without the people who are involved. This type of insurance covers all employees within your business and pays out in the case of death and bodily injuries.

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Why choose to insure your business with OUTsurance?
Tailored solutions

Specialist and specific insurance, matched to your unique business needs.

True value

A unique premium that is based on your business’ risk factors, so you’re not subsidising higher risk clients.

Low, flat excess

One fixed excess amount, even if you claim for multiple risks – no surprises that can threaten your cashflow.

OUTbonus

After three claim-free years, you get 10% of your total premiums paid back in cash to boost your bottom line. 

Free emergency assistance

24/7 Help@OUT office and roadside assistance, giving you peace of mind, always.

Business OUTsurance Agents come to you

Depending on the complexity of your business, you may qualify for a dedicated Business OUTsurance Agent. Not only will this insurance professional help you navigate your unique needs to create your custom solution, they will become your on-going, single point of contact.

To connect with a Business OUTsurance Agent, you’ll need to start a quote.

Start a quote