Offering bespoke insurance for specific industries

The launch of Discovery Business Insurance in 2018 was another great introduction to the market. We are excited to celebrate Discovery Insure's 10-year anniversary this year.

We continue to bring new innovations to the market and give clients the most relevant cover for their needs. Using our experience and understanding of the commercial insurance market, we have created bespoke products tailored for businesses operating in various industries.

Heavy commercial vehicles product

Our product provides a complete insurance solution. This includes comprehensive cover with optional benefits tailored to the needs of the heavy commercial vehicle owners and drivers, innovative vehicle technology to help clients manage their fleet well, and great rewards for managing business risks well.

Clients get solutions that help them with fleet management, such as:

• Up to 40% of vehicle premiums back for managing their vehicle fleet well
• The Vitality DriveView device which measures driving behaviour, offers a dash cam solution, vehicle safety features, and an online fleet portal
• Up to 50% discount on tyre solutions, wheel alignment and other services
• Vitality Health Checks for drivers
• Discounted rate on consulting services to help them meet and maintain the RTMS (Road Transport Management System) requirements.

Make sure your clients know about our bespoke insurance offering for heavy commercial vehicles so that they can get the cover and benefits they need to protect their business.

Restaurant owners' product

With this product, your clients get comprehensive insurance including cover and benefits that help them deal with the risks they face every day. Our product also includes embedded cover and benefits such as:

• R100 000 business interruption cover, including cover for franchise fees payable during the indemnity period
• R50 000 restaurant reputation cover, with 24/7 access to reputation management experts who will provide a full response strategy following a crisis event
• Automatic 15% increase in the sum insured for the Stock, Money and Theft sections during peak seasons
• Accidental damage and cyber cover for handheld point-of-sale devices
• Extending cover to other business premises and offering cover for stock kept at multiple premises.

Share the great news about our bespoke insurance offering with your clients to make sure that they get the cover and benefits they need to protect their business.

Healthcare professionals' product

Our Healthcare professionals' product is designed to provide an up-to-date insurance solution that is tailored to the evolving needs of healthcare professionals. It includes the following embedded cover and benefits:

• R100 000 cyber cover
• R100 000 cover for crisis and reputation management
• R20 000 world-wide cover for portable medical equipment.
• Up to 50% off Uber rides, providing a safer alternative to driving late at night or after a long shift when they are too tired to drive
• Upfront payment of a portion of a business interruption claim for Discovery Health Medical Scheme providers
• Settlement of cellphone and iPad claims within one business day.

Make sure your clients know about our tailored insurance for healthcare professions so they can get the cover and benefits they need to adequately protect their business

Lawyers' and Accountants' products

Our Lawyers' and Accountants' products provide cover for traditional business risks and newly emerging risks as well as benefits designed to help clients run a successful business. These products include embedded cover and benefits such as:

• R100 000 cyber cover
• R100 000 cover for crisis and reputation management, with 24/7 access to reputational experts from a leading global marketing communications firm.
• 25% discount on the Lexis Sign platform
• 25% discount on selected Lexis WinDeed searches (for lawyers only)
• Up to 20% discount on new laptop purchases
• Settlement of cellphone and iPad claims within one business day.

Let your clients know about our Lawyers' and Accountants' products so they can get the cover and benefits they need to protect their business.

Clients who take up the bespoke products can also earn great rewards for managing their business well. They get up to 50% of their MTN business data spend back for managing their business risks well and up to 30% of their vehicle premiums back for driving well.

For more information, read our brochure for the Heavy commercial vehicles product, Restaurant owners' product, Healthcare professionals' product, and Lawyers' and Accountants' products.

If you have questions, please contact your Business Development Manager (BDM), our regional services channels or call 011 529 6620.