Commercial property cover. Check the schedule before the solar sits outside it.

A commercial building policy often stops at the building. Rooftop PV and BESS need their own line, or a scheduled endorsement that actually names the plant. That is the first check on a South African commercial property. It is not a list of favoured insurers, and it is not a request for testimonials.

You meet André Benjamin Swart in Pretoria, at Deo Gratia Insurance Brokers (Pty) Ltd, FSP 1233. The useful work is to read the schedule against the site: sums insured against replacement cost, because average still applies if the figure is short; SASRIA as a wrap, not as an assumption; solar, inverters, and batteries named, or they may sit uninsured after hail or electrical damage; occupancy, tenants, and unapproved alterations, because those change the risk; and business interruption only if the underlying property wording and the indemnity period match the actual downtime.

A property broker who is an authorised financial services provider can walk that list. The FSCA register is the licence check. A ranking of five insurers is not.

Cover is not guaranteed. A claim is a wording enquiry. Do not treat fire, theft, flood, or hail as automatically payable.

Ask for a review of current insurance.

andre@dgbrokers.co.za

+27 12 361 0244

The information provided in this article is for educational and informational purposes only and does not constitute formal financial, underwriting, or legal advice as defined under the FAIS Act of South Africa. Commercial risk profiles vary substantially based on specific asset scheduling, geographic exposure, and underlying policy wordings. For tailored risk management and structuring advice relevant to your corporate operations, please contact our authorized financial services provider directly to conduct a formal commercial assessment.