FSP: 15254

Short term Cover

Protection For
The Everyday

From personal assets to complex commercial operations, our short-term insurance solutions protect what you own, what you move, and what you’re responsible for.

We Hold Full Accreditation And Written Authority To Market Products From The Following Companies

Domestic Personal

Protects your home, contents, and personal belongings against loss, damage, or theft.

Commercial Business

Comprehensive cover for business property, assets, and operational risks across various industries.

Hospitality

Tailored cover for hotels, restaurants, and guesthouses, protecting property, liability, and business interruption risks.

Trucking / Commercial

Insurance solutions for commercial vehicles and fleets, covering accidents, damage, and liability on the road.

Goods In Transit

Protects goods while being transported, ensuring financial security from loading to delivery.

Industrial Risk

Specialist cover for large-scale industrial operations, machinery, and high-value assets.

Contractors All Risk

Comprehensive protection for construction projects, covering materials, equipment, and works in progress.

Contractors Liability

Covers legal liability arising from injury or damage caused during construction or contracting work.

Specialist Liability

Custom liability cover for unique or high-risk professions and operations.

Marine

Protects cargo, vessels, and marine-related risks during sea, air, or inland transit.

Stock Throughput

End-to-end cover for stock from manufacture or purchase through storage and final delivery.

Garage

Insurance designed for motor dealers and repairers, covering vehicles, premises, and liability risks.

Professional Indemnity

Protects professionals against claims arising from errors, omissions, or negligent advice.

Environmental Liability

Covers liability arising from pollution, contamination, or environmental damage incidents.

Kidnap & Ransom

Specialist protection offering financial and crisis support in the event of kidnapping, extortion, or ransom demands.

Travel Insurance

Covers medical emergencies, cancellations, and unexpected travel disruptions locally and internationally.

Taxi / E-Hailing / Uber

Tailored vehicle and liability cover for taxis, ride-hailing drivers, and transport operators.

VAPS

Value-Added Product Solutions offering flexible, affordable cover options for specific risks and use cases.

Life Insurance &
Funeral Cover

  • Life Cover
  • Severe Illness Cover
  • Disability Cover
  • Impairment Cover
  • Accident Cover
  • Income Protection
  • Education Protection
  • Business Assurance
  • Keyman Insurance
  • Buy & Sell Insurance
  • Funeral Cover

Savings &
Investments

  • Endowments
  • Education Plans
  • Unit Trusts
  • Tax-Free Plans
  • Guaranteed Investments
  • Guaranteed Income Plan
  • Retirement Annuities
  • Preservation Funds
  • Pre-Retirement Planning
  • Post-Retirement Planning

Healthcare
.

  • Medical Aid
  • Hospital Plans
  • Primary Healthcare
  • Corporate Healthcare
  • Gap Cover

Short Term
Cover

Fiduciary
.

  • Estate Planning
  • Wills
  • Trusts

Not Sure What You Need?

We Have Experts That Can Help!

We Have A Host of Shariah Compliant Services Available.

Financial and insurance solutions designed yo align with islamic principles, ensuring all offers are free from interest (Riba), excessive uncertainty (ghara), and unethical investments, while promoting fairness, transparency, and social responsibility.

Head Office: Suite 6, Sultan’s Centre, 204 Chatsworth Main Road, Umhlatuzana, 4092, Tel: 031 403 4405 CIPC Business Registration: 2000/058359/23 | VAT Registration: 4900223217 | Members: M.I.A Sultan, F.B Sultan, M.I Sultan

© 2026 M.I.A Sultan & Associates cc | All Rights Reserved | FSP: 15254

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