Commercial INSURANCE

Our commercial insurance is built specifically for entrepreneurs and business owners who need reliable protection in today’s fast-moving environment. We offer customized cover designed to meet the unique challenges faced by companies in the commercial and industrial sectors.

You can protect:

• Your assets — including buildings, equipment, and inventory

• Your operations — with business interruption and liability cover

• Your workforce — through employee-focused risk solutions

• Your vehicles — with commercial auto insurance

Whether you’re running a startup, factory, or retail operation, our flexible commercial insurance products give you the confidence to focus on what matters most: growing your business.

Assets All Risks insurance is specifically designed for large businesses and multinational corporations. This premium product offers broad-spectrum cover for high-value assets — tailored to the unique demands of the corporate and industrial environment.

Cover includes:

• Protection for fixed assets, equipment, and property

• Coverage against a wide range of risks, from fire and theft to accidental damage

• Custom-built policies that reflect the complexity of your operations

• Flexible options for multi-site and international coverage

Whether you’re managing a global enterprise or a large-scale local operation, Martiq ensures that your critical assets are covered — giving you the security to lead with confidence.

At Martiq, we offer comprehensive commercial property insurance that goes beyond standard cover. Our all-risks policy is designed for businesses with high-value properties or extensive portfolios, providing robust protection against a wide range of potential risks.

This product includes:

• Full all-risks coverage for commercial buildings

• Protection for structural damage, fire, theft, and accidental loss

• Tailored policies for single buildings or entire property portfolios

• Flexible options for landlords, developers, and corporate property owners

Whether you manage one commercial building or a nationwide property portfolio, Martiq ensures you’re covered with confidence — and supported by a team that understands your business.

Sectional title insurance that meets all legal requirements under the Sectional Titles Act of South Africa. Our policy is specifically designed for sectional plan properties, offering a reliable and compliant insurance solution for buildings managed under a sectional title arrangement.

Our sectional title insurance offers:

• Full compliance with the Sectional Titles Act

• Cover for shared buildings, common property, and structural elements

• Protection against fire, theft, accidental damage, and natural disasters

• Custom solutions for body corporates and property managers

Whether you’re managing a residential complex, townhouse development, or mixed-use building, Martiq ensures your property is protected — with confidence and clarity.

Motor fleet insurance is designed for businesses operating fleets of 50 or more vehicles. This flexible, cost-effective solution provides comprehensive coverage for your entire fleet — without the need to specify every individual vehicle.

Offer includes:

• Full commercial vehicle insurance for large fleets

• Premium deposit options to reduce upfront costs

• Coverage for unspecified vehicles within your operational scope

• Support with fleet risk management and claims efficiency

Ideal for logistics companies, transport providers, and large service fleets, our Motor Fleet policy helps you stay protected, compliant, and in control — with simplified administration and expert support.

Our education insurance is crafted specifically for educational institutions — from schools and colleges to large universities — providing tailored risk solutions for the unique challenges faced in the education sector. We ensure you have the right cover to safeguard your people, property, and reputation.

You can protect:

• Your facilities — including school buildings, classrooms, and equipment
• Your staff and students — with liability and accident cover
• Your operations — against business interruption and unforeseen events
• Your reputation — through crisis management and liability solutions

Whether you’re managing a private school, public institution, or tertiary education facility, Martiq’s education insurance gives you peace of mind to focus on your mission: delivering world-class education.

Hospitality insurance is crafted specifically for hotels, guesthouses, lodges, restaurants, and other businesses in the leisure and tourism sector. We understand the unique risks of the hospitality industry — from guest safety to property protection — and offer comprehensive cover to keep your operations running smoothly.

You can protect:

• Your property — including buildings, furnishings, and equipment
• Your guests — with public liability and personal accident cover
• Your staff — through employee liability and workplace risk solutions
• Your operations — against business interruption, theft, and natural disasters

Whether you manage a boutique guesthouse, luxury hotel, or busy restaurant, Martiq’s hospitality insurance gives you the confidence to welcome every guest — knowing you’re fully covered and supported by a team that understands your industry.

Fuel retail insurance is designed specifically for petrol stations, forecourts, and fuel retailers across South Africa. We understand the high-risk environment of fuel retail — from flammable stock to public liability — and provide tailored cover to protect your business, staff, and customers.

You can protect:

• Your assets — including tanks, pumps, forecourt equipment, and convenience stores
• Your operations — against fuel spills, fire, theft, and business interruption
• Your liability — covering third-party injury, environmental damage, and public risk
• Your workforce — with employee liability and workplace accident cover

Whether you operate a single service station or manage a national fuel retail network, Martiq’s fuel retail insurance ensures your business runs safely and profitably — backed by a team that knows the fuel industry inside and out.