AS Brokers — Business Insurance

Business Short-Term Insurance

Protecting the Businesses That Create South Africa's Wealth

Business insurance is complex by nature. That's exactly why it needs specialists — not salespeople reading from scripts.

Property & Assets Liability & Indemnity Business Interruption Fleet & Transit

The Phone Call Every Business Owner Dreads

Your warehouse burns down. R3.2 million in stock destroyed. You call your insurer confident you're covered — you've been paying premiums for years.

Then the assessor arrives. Turns out your "stock cover" was capped at R1.5 million because you never updated the sum insured when your business grew. Or worse, they find an exclusion you didn't know existed.

You weren't uninsured. You were insured incorrectly. That's worse.

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.

Insurance doesn't fail because of bad luck.

It fails because of bad advice.

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.

50–60%

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.

Why We Understand This Better Than Most

Albert Schuurman and Johnny Farinha bring a combined depth of experience that you won't find at your average brokerage.

We're not career salespeople who learned insurance from a manual. We're former insurer-side specialists who worked in underwriting, claims, and risk assessment before we became advisors.

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

We've been on both sides of the table. We know the game. We know where the traps are.

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:

Your "All Risk" policy isn't all risk. Your "Comprehensive" cover has gaps. Your liability section has sub- sections you've never heard of.

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:

→ Buildings & Business Property

→ Machinery & Equipment

→ Stock (Seasonal & Transit)

→ Business Interruption & Loss of Income

→ Public & Products Liability

→ Professional Indemnity

→ Employers' Liability

→ Theft, Money & Fidelity

→ Electronic Equipment & Cyber Risks

→ Goods in Transit & Fleet

→ Contract Works

→ Industry-Specific Risks

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.

Step 1

How does your business earn money?

Step 2

What would stop that income tomorrow?

Step 3

What single event would bankrupt the business if uninsured?

Step 4

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.

We Start With Strong Products, Not Shortcuts

We deliberately place clients with top-tier insurers that have:

→Proven claims-paying ability and financial strength

→Comprehensive wording that actually covers real-world scenarios

→Realistic valuation methods (replacement, not depreciated market value)

→Products designed to protect your business, not just meet a premium target

We design your cover with claims in mind, not just premiums.

What Makes AS Brokers Different

A Full-Time, Dedicated Claims Specialist

Most brokerages handle claims as a side function. We have a dedicated claims specialist whose only job is managing client claims from notification to settlement. You're not "logged on a system" — you're represented.

An Underwriting Team, Not a Call Center

We don't outsource to call centers. Our team reviews your cover, checks accuracy, and proactively manages changes. When your business changes, your insurance changes with it.

Direct Advisor Involvement

You deal with experienced advisors who understand insurance at a technical level — not salespeople reading scripts. When something complex comes up, we know how to handle it.

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.

Claims are where cheap insurance reveals its true cost.

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.

→Established SMEs and owner-managed businesses

→Professionals, contractors, and specialists

→Businesses with significant assets, staff, turnover, or contractual risk

→Clients who understand that cheap insurance often becomes expensive insurance

We're not positioned for: Price-only shoppers, transactional "get me a quote" requests, or clients who switch brokers every year to save R200/month. If that's your approach, we're not the right fit.

Business Insurance Done Properly

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.

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Ready to Review Your Business Risk Structure?

If your business depends on proper insurance — and you're tired of dealing with call centres — let's talk.

Business short-term insurance specialists with decades of advisory experience