Personal insurance
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Personal insurance
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Personal insurance
Business insurance
The way you want it. At a price that works for you.
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What does Miway Business insurance do for you?
Quick quotes to cut down your running costs, cover crafted around your business goals, a claims process that gets you back to business as usual, extras that add value, and more ways to make your ops easier.
As your business continues to grow, we offer you solutions that will continue to serve your business through its lifecycle. Miway's Business Insurance team is committed to providing you with world-class service. Simply give us your details using the form and we'll give you a call.
Support for SMEs
Cover for your property, people and products
Back-up access
Replacement of vehicle & property locks and keys
Beyond SA’s borders
Cover outside SA and into various African territories
Services to save time
Admin, marketing, financial, legal & labour support
Help at any hour
Get 24/7 help at home, on the road, or in an emergency. Plus a free ride home after one too many drinks.
Why do small businesses need insurance?
A single fire, theft, vehicle accident, liability claim or prolonged interruption can place severe pressure on cash flow. Business insurance helps an SME replace insured assets, respond to covered legal claims and recover from qualifying disruptions without carrying the entire financial loss alone.
How do you choose the right business cover?
Choosing the right business cover starts with understanding what your business owns, the risks it faces and what it needs to keep operating after a disruption. Use these steps to help identify the cover that may suit your business:
- List the buildings, stock, equipment, vehicles and portable items the business owns or uses.
- Identify how the business could cause injury, property damage, financial loss or environmental harm.
- Estimate how long the business could survive if it could not trade.
- Review customer contracts, lease terms and finance agreements for insurance requirements.
- Choose appropriate sums insured, limits, excesses and indemnity periods.
- Review cover whenever the business adds staff, assets, services, premises or territories.
What information is needed for a business insurance quote?
To prepare a business insurance quote, you’ll need to share details about your business, its assets, operations and risks. The information below can help the insurer assess your needs and recommend suitable cover:
- The business’s legal name, registration details and industry
- Business address and operating locations
- Annual turnover and number of employees
- Buildings, contents, stock and equipment values
- Vehicle, fleet and driver information
- Goods transported and operating territories
- Previous insurance and claims history
- Required liability limits
- Risk controls, security and fire-protection measures
- Selected cover and excess preferences
How much does business insurance cost?
There is no standard monthly price because every business has different assets, activities and exposures. Premiums may be influenced by industry, turnover, location, asset values, vehicle use, claims history, security measures, liability limits, cover selections and excesses. An accurate quote requires current business information.
What is business interruption insurance?
Business interruption insurance can help replace insured income and cover qualifying ongoing expenses when the business cannot trade normally after an insured event. The selected indemnity period should reflect the realistic time required to repair premises, replace equipment, restore suppliers and rebuild turnover.
What is the difference between public and professional liability?
Public or broadform liability generally responds to qualifying third-party injury or property-damage claims connected to business activities. Professional liability focuses on qualifying financial loss arising from professional advice, services, errors or omissions. Some businesses need both because the risks are different.
How do business insurance claims work?
After an insured event, take reasonable steps to prevent further loss, preserve evidence and notify Miway promptly. Provide photographs, invoices, asset records, incident reports and third-party information where relevant. Do not admit liability or settle a third-party claim without guidance from the insurer.
Do it your way and choose cover that works for you
Build your insurance based on your business needs. We want to see your business grow, so we offer you solutions that serve each stage of your lifecycle, from start-up to seasoned pro. With cover for your premises, your people, your products and your vehicles.
What do customers say
about Miway?
Our customer are 'Very likely' to recommend us
Rated 4.7/5
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Business Insurance FAQs
At Miway we keep it simple: our Business Insurance is built around your business, not a one-size-fits-all package. You can cover your premises and contents, stock, equipment, vehicles and fleet, portable items (All Risk), goods in transit, public and professional liability, and Business Interruption to protect your income and ongoing costs. Add MiBusiness Assist for extra admin, legal and operational support. Choose exactly what you need – nothing more, nothing less.
Yes - even if you’re a home-based or one-person operation. If fire, theft, storm damage or a liability claim hits, replacing equipment, stock or covering lost income can be devastating. Miway business insurance for SMEs is affordable and customisable, so you protect what you’ve built without paying for cover you don’t need.
There’s no standard price because every business is different. We give you a quick, personalised quote based on your actual risks and needs – so you only pay for the cover that fits. Many growing businesses find our flexible options more affordable than they expected. Start your quote in minutes and see exactly what it costs for your business.
Super easy. Click “Call me back” on the Business Insurance pages and one of our team will call you. Tell us about your business and we’ll build you a custom package on the spot. No endless forms, no pressure – just straightforward advice so you can decide what works best for you.
Business Interruption covers your lost income and fixed costs (rent, salaries, utilities) if you can’t trade after a covered event like fire, storm or theft damages your premises. Property cover fixes the building and stock – this cover keeps your cash flow alive while you get back on your feet. For most South African businesses it’s not a “nice-to-have”, it’s what helps you survive the downtime.
