Commercial Service Offering

Insuring your business is our business

Through our unique, personal approach, we’ll talk you through complex policies so you can build better relationships with your clients. 

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Business / Commercial

Offering comprehensive cover for exposure that could affect a commercial enterprise of any size, in any sector, this product can be tailored to needs and budget.We aim to provide businesses with an insurance product that cater for traditional and futuristic risks.

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Contractors & Plant

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.

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Body Corporate

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.

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Motor Fleet

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.

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Restaurant Zone

Specifically designed to cater to anything from fast-food outlets right up to fine dining establishments. Industry specific covers have been automatically included with the ability to buy additional cover if required. This product specifically caters for all size restaurants.

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Liability

Changing legislation, multiple lines of exposure from third parties and employees and new cyber disruptor risks have created the need for Howdie to design and underwrite complete package liability cover products that carry the necessary extensions to safeguard business today and in the future.

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Industrial

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. 

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Marine

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.

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Additional Services

Other areas where we can provide cover and tailor made solutions: Travel insurance, specialised school product, mining and energy risks, Golf courses including greens and tee boxes, agriculture and farming enterprises, Hospitality such as game lodges, B&Bs etc.

We are able to design our own unique range of products and cover. Get in touch to discuss tailored solutions. 

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