It covers your personal belongings and possessions in your house. This cover includes the contents of your house and outbuildings (such as furniture, clothing, electronic equipment & appliances, cell-phone, and much more), your buildings and outbuildings, vehicles, trailers and caravans, pleasure boats, watercraft and jet ski, personal injuries, and a stand-alone option for pet insurance. Being secure in what you ensure and ensuring fair value is attached to your possessions is a key function of @121 Insurance Brokers.

Farming has changed over time – so have the risks. In many cases, crop farming has become an equipment-intensive business. With the pressure on for greater output and efficiency, today’s farmers’ machinery and equipment work harder and longer, increasing the risk for breakdown. In addition, modern farms are using precision farming techniques with sophisticated systems, that are sensitive and prone to breakdown – resulting in losses, damages, spoiled products, expenses and lost farm income. Insurance can be tailored to cover your need specific.
Farm animals, cattle and other livestock face mortality risks caused by accidents, sickness and disease. There are insurance products that apply to most animals, livestock and poultry, and specialty insurance products for specific groups of farm animals, such as cattle, sheep, goats, pigs, and chickens – or a combination of these on your farm. Livestock Insurance products are normally designed around the specific needs of the farmer’s herds and stud animals.

Fleet Insurance is an important and effective part of managing the commercial fleet of a business and also assesses the risk of the entire fleet. In the insurance industry, anything related to vehicles pose many challenges. This is mainly due to the following:

• The cost of parts – most of which must be imported;
• Cost of reinsurance being bought by a weak Nam-dollar;
• Road conditions.

When it comes to vehicle fleets, all of the above impacts – and this in return, affects the premiums on commercial fleet insurance. Some insurers set target criteria of a minimum amount of vehicles to qualify as a commercial fleet. @ 1 2 1 Insurance Brokers may also look at a tailor made solution from small delivery vehicles, car hire companies and allowance schemes for businesses.