Business Short-Term Insurance
Protecting the Businesses That Create South Africa's Wealth
The Phone Call Every Business Owner Dreads
The Real Problem With Business Insurance
Most business losses don't happen because clients had no insurance. They happen because the insurance they had was wrong.
Wrong limits. Wrong wording. Wrong understanding of what's actually covered. Wrong assumptions about what "comprehensive" means.
A business policy isn't a form you fill out online. It's a 25+ section technical document with conditions, exclusions, endorsements, and subclauses that determine whether your claim gets paid or denied.
Business insurance is complex by nature. That's exactly why it needs specialists.
of AS Brokers' practice income comes from business short-term insurance.
This isn't a side service. This isn't an add-on. This is what we do.
This Is Our Core Focus
Business short-term insurance isn't something we dabble in. It's the foundation of our practice and has been for decades.
While other brokers are trying to sell you medical aid, investments, and life policies all at once, we've built our reputation on one thing: making sure businesses are protected correctly.
Why We Understand This Better Than Most
What this means for you:
- We understand underwriting—we know what insurers look for and what triggers declines
- We know claims inside out—we've seen why they get paid and why they don't
- We understand policy wording at a technical level, not just surface-level
- We know how to structure cover so it works in practice, not just in theory
- We maintain ongoing hands-on involvement across multiple industries
It fails because of bad advice.
Why Business Insurance Is So Complex
A typical business policy can include 25+ separate sections. Each section has its own conditions, limits, exclusions, endorsements, and claims triggers.
Here's what most business owners don't realize:
The devil isn't in the details. The devil IS the details.
That's why cookie-cutter policies are dangerous. Every business operates differently. The wording that works for a retailer won't work for a contractor. The cover that suits a manufacturer is wrong for a professional service firm.
What We Cover (This Is Not Exhaustive)
We structure comprehensive business cover across all major risk areas:
We don't apply templates. Each business is assessed based on how it actually operates, not how a standard policy thinks it should operate.
Our Approach: Risk First, Insurance Second
We don't start by asking "what insurance do you have?" We start with understanding your business.
How does your business earn money?
What would stop that income tomorrow?
What single event would bankrupt the business if uninsured?
What risks can you afford to retain—and what must you transfer?
Only after we understand your risk profile do we structure cover.
Insurance should support your business strategy, not surprise you when something goes wrong.
Claims Support That Actually Matters
This is where real advice shows its value. Anyone can sell you a policy. Few can help you when you need to use it.
What We Do When Claims Happen
We assist with claim preparation and submission—making sure you provide what insurers need, in the format they need it.
We Engage Insurers Professionally
We understand policy wording, claims processes, and insurer expectations. We know what's reasonable and what's not.
We Advocate for Fair Outcomes
We push for outcomes that reflect the intent of the cover, not just technical interpretations designed to minimize payout.
Good claims outcomes are rarely accidental. They're the result of proper structuring, correct wording, and experienced representation.
Business Insurance Is Not Static
Your business changes. Your insurance must change with it.
We proactively review your cover when:
- You expand operations or change what you do
- You buy or sell significant assets
- You take on contracts with indemnity or insurance clauses
- You add staff, new locations, or new revenue streams
- Market values change (replacement costs, stock values, etc.)
Insurance that isn't reviewed becomes outdated. Outdated insurance is dangerous.
Who We Work Best With
We're selective about who we take on. Not because we're exclusive, but because we focus on clients who value proper advice.
Work With Specialists Who Live This Every Day
If business insurance is critical to your livelihood, it should be handled by people who understand it at a technical level—not salespeople reading from scripts.
Albert Schuurman and Johnny Farinha have decades of combined experience from both sides of the industry. This is our core focus. This is what we do best.
Ready to Review Your Business Risk Structure?
If your business depends on proper insurance—and you're tired of dealing with brokers who don't understand complexity—let's talk.
Albert Schuurman & Johnny Farinha
AS Brokers | FSP 17273
Business short-term insurance specialists with decades of insurer-side and advisory experience