From warehouses to restaurants, complexes and fleets, we have a unique, tailor-made solution for every scenario.

Howdie’s commercial solutions have been designed with the specific needs of specific industries in mind. We aim to provide businesses with changing business operating conditions and legislation with an insurance product that cater for traditional as well as new and futuristic risks. That said, Howdie has a strong ethos of risk management and advice-based products. Our commercial solutions offer the following market-leading products.

Industrial risks comprising of manufacturing plants and Industrial processes require specific extensions and structures. Due to the hazardous nature of these type of risks a strong risk management focus is leveraged to find solutions around already structured products.

This product is designed with Sectional Titles and Homeowner Associations in mind. Offering full cover for buildings and associated liability exposure, it aims to meet the insurance needs of sectional title properties, residential and commercial complexes (non- manufacturing) – including geyser maintenance.

We offer various ranges of comprehensive cover for corporate motor fleets, including associated liability risks. Tailor-made solutions are available to incorporate aggregate excesses and deposit premium/burning cost options.

We know the best “howdies” often happen at restaurants, cafes or at your favourite take out joint which is why Howdie created a product that caters specifically for restaurants.

We provide industry cover for fast-food outlets
through to fine-dining establishments. Industry specific covers have been automatically included with the ability to buy additional cover if required. No matter the size, whether it’s privately owned or a franchise, our Restaurant Zone product is for you.

Non-tangible risks and exposure claims are on the rise. Being the solution providers we are, Howdie offers a comprehensive liability programme that can act as a stand-alone or be combined with our commercial and business offerings.

Changing legislation, multiple lines of exposure from third parties, employees and new cyber disruptor risks have created the need for a ‘complete’ package. Howdie’s liability cover is just that – the complete package – that carry the necessary extensions to safeguard your business today and in the future.

Industrial risks comprising of manufacturing plants and Industrial processes require specific extensions and structures. Due to the hazardous nature of these type of risks a strong risk management focus is leveraged to find solutions around already structured products.

Marine insurance is an all risk policy which provides all risk cover across goods being moved, warehoused, temporarily stored, loaded or off loaded and stored permanently to be distributed which is either owner, in the care, custardy or control of the insured or contractually deemed the responsibility of the insured.

Contact the 24-hour Emergency Assist Helpine: 0861 467 966

The Howdie 24-hour Assistance Call Center for Heavy Commercial Vehicle Assist (HCV Assist). We assist with mechanical or electrical breakdowns, roadside security, or accident towing. With a team of qualified professionals available 24/7, you can rest assured that your heavy commercial vehicle will be looked after in an emergency. *

*Please note:  No service for unroadworthy vehicles. Client-arranged repairs not reimbursed. Assistance is only available in South Africa.

Get the Coverage You Need. We Craft Bespoke Business Insurance.

We're constantly innovating to offer customised insurance solutions for businesses like schools, golf courses, farms, and more. Contact us today for advice and a bespoke insurance solution!

Our personal insurance cover meets the specific insurance needs that are associated with items close to home such as household and personal items. This product includes home, motor, personal accident and all-risks cover.

Howdie’s Inspire product caters to the up-and-coming individual. This bespoke insurance product provides you with peace of mind and security as well as more freedom not often found in personal insurance.

What makes Inspire unique is that we cover important items, that often are often removed from the home on an Assets All Risks basis. That means your high-end cameras, video equipment, fashion items, jewellery and watches have limits better suited to rising stars, new executives, decision-makers and entrepreneurs.

High net-worth individuals have specific needs and Howdie’s Flawless product is exclusively designed to meet those needs. Offering personal
and professional advice and services, this product is complemented by our usual attentiveness.

More specifically, Flawless clients can expect a specialised methodology of cover, extensions as well as a dedicated team. This all forms part of a product dedicated to safeguarding the assets of the discerning individual.

Limited mileage is a product created for clients that don’t spend as much time on the road. Depending on the mileage you drive per month you will qualify for various discounts on the specific vehicle, subject to Ts & Cs.
This product has various tiers to suit every client meaning your vehicle insurance works for your lifestyle.

We're constantly connected, but also exposed. Cybercrime is booming, and the cost is shifting to consumers. Howdie's market-leading personal cyber product protects your clients and their family in this ever-evolving digital landscape.

Wheel and Tyre is a bespoke product that covers direct damage to vehicles caused by a road hazard to any tyre and / or rim, subject to specific Ts and Cs.

This product has four tiers to suit every vehicle, starting from as little as R30.00 per month!

Contact the 24-hour Emergency Assist Helpine: 0861 467 966

The Howdie Assist App is the convenient and simple way to ensure your client and their family have access to 24-hour emergency assistance services, at the touch of a button!

Download the Howdie Assist mobile application today from your App store. Should Telkom lines be down for whatever reason, please call 083 307 5707 for roadside assistance.