SME Insurance

Flexible multi-line insurance with essential covers for small and medium-sized businesses

AIG offers tailor made insurance solutions for your small to medium business needs. 

At AIG we understand that each business has different needs, this is why we offer packaged solutions specially designed for small to medium businesses. This provides a good all round insurance solution. These types of policies combine a range of essential covers to provide the business with affordable but comprehensive cover. Our SME combined policies contain all of the standard coverages. In addition our customers benefit from a range of extra covers and services. These are designed to help our customers reduce their risks and broaden their protection. 

What is covered?

Business All Risk

This form of cover allows for the business to be covered for a loss or damage of specified insured property anywhere in the world.  


Business Interrputon

This covers the business in the event that the business cannot operate as a consequence of an insured incident. This business will be compensated for the loss of income as a result of the incident.


Property Damage

Property cover extennds beyond just damage from fire and includes a range of other perils such as storm, flood, subsidence, terrorism, malicious damage and accidental damage. Our coverage extensions ensure that wider costs are also catered for such as damage from emergency services, leakage of oils or loss of metered water.


Electronic Equipment

This covers specified electrical equipment that is used by the business. This includes items such as computers, cell phones and laptops.



This protects the business in the event that lawsuits or similar claims are made against the business. This includes public liability, professional liability employer’s liability and management liability cover.



This form of cover allows for the business to be covered in the event that a loss or damage to motor vehicles is as a result of an insured event.

SME policies are short-term products and are underwritten by AIG South Africa Limited, FSP No: 15805