As a business owner, you can choose from a range of traditional and specialised insurance products to ensure you are covered for the risk exposure you face. We will protect your directors, officers and employees against lawsuits; cover your assets against potential dangers like fire and theft; and protect your legacy.

Protect your business assets

Protect mt business assets

Protect your business assets with insurance from Absa. We offer Business Insurance that covers against a range of events that may cause damage to business assets or risk in the form of liability.

See what we offer

  • General Business Insurance

    Our General Business Insurance covers:
    • A range of assets, including buildings, content, stock, machinery and vehicles
    • Gross profit, income and additional costs
    • Legal liabilities, such as those relating to property owners, tenants and products
  • Specialist Business Insurance

    We offer Specialist Business Insurance for the following:
    • Agriculture specific insurance.
    • Consignment stock, contract performance and lease deposit guarantees.
    • Contractor specific insurance.
    • Plant and specialised electronic equipment.
    • Contract liabilities and professional indemnities.
    • Transporters using heavy commercial vehicles, as well as cargo in transit.

Secure your business future

Secure my business future

Let’s help protect you, your business and your partners in the event of death or disability.  

What you get and how to get it

  • Absa Surety Solution

    If your business is unable to continue making payments on a bank loan for which you have signed surety, we’ll repay the outstanding amount without affecting your estate.

    • You’ll have peace of mind knowing that, in case of death or disability, we’ll repay the outstanding amount of the business loan for which you have signed surety, without affecting your estate
    • The financial resources of your business will not be put under strain to meet payment obligations
    • The deceased business owner’s estate will not be liable for estate duty on the proceeds of the policy
    • Surplus proceeds from the policy payout can be retained by the business
    • Your business will not incur any additional tax burden
    How it works
    • You insure the life or disability of the business owner who has signed surety or who has provided personal security for the business loan.
    • The amount of life and disability cover should be equal to the loan amount.
    • The business pays the premiums for the policy.
    • An agreement is entered into between the business and the owner to repay the loan from the policy proceeds upon death or disability of the owner.
  • Absa Buy and Sell Solution

    Our Buy and Sell Solution provides a surviving business co-owner or co-owners with cash to purchase shares of a deceased business partner.

    • Guaranteed payment of the purchase price of a deceased shareholder’s shares.
    • Peace of mind that the future management of the business will be left in capable hands, with no interference from a deceased shareholder’s spouse, dependents or other heirs.
    • Reduced risk of ownership disputes.
    • Heirs are left with cash to enable them to move on without hassle.
    How it works
    • The value of the business is assessed by a qualified professional.
    • The shareholders take out life insurance policies on each other’s lives, to the value of the company.
    • The shareholders enter into agreement with each other to use the proceeds to purchase the shares.
    • Upon death of a shareholder, the life cover pays out, funding the surviving shareholder’s purchase of the deceased shareholder’s interest.

Safeguard your legacy

Protect my legacy

You’ve worked hard to start and build your business but what will happen when you pass away? Let’s help you plan your life and your business future accordingly.

See our fiduciary services


We’ll help you draft a will that ensures your wishes are carried out legally, your loved ones are taken care of, and items of monetary and sentimental value are properly protected and distributed.

Tell me more


We offer a comprehensive range of services to facilitate the protection of your assets and caring for your beneficiaries.

Tell me more


The loss of a loved one is a traumatic experience. It is also a time when a multitude of practical tasks must be attended to. It is a time when professional assistance is at its most valuable.

Tell me more

Contact Wills Direct on

0860 627 775

Contact Trusts on

0861 238 886

Contact Estate Intake Centre on

0860 110 287

Need more help?

Let one of our consultants assist you.

Contact your existing Enterprise Banker/Relationship Executive or Financial Adviser or call Absa Business Banking on:

0860 040 302