Although our core commercial cover conforms to industry accepted norms, we realise that many businesses have very specific needs and unique insurance risks.

Many commercial insurers develop their products with a one size fits all approach which may not necessarily provide the in depth cover that you need.

At Western we not only offer the client the option to combine various risks classes but also the ability to enhance the policy with multiple extensions in order to create a tailor made solution that meets their individual requirements and exposures. Combined with Western's competitive rates,  sound underwriting practices, superb service and quality advice from your advisor, you can rest easy, knowing that your investment is protected.

Features and benefits

The most important benefit of having a Western commercial insurance policy is that your business is protected against catastrophic events that could cause it to fail.

With our commercial insurance policy you will enjoy protection against the effects of major catastrophes such as fires, storms, wind, water, hail, as well as theft, liability claims, collisions, power surges and the like.

Our flexible structuring options mean that we can tailor your excess and premium as well as the various risk classes associated with it.


Policy features

  • Competitive rates
  • Excellent service and turnaround times
  • Base policy conforms to industry standards
  • Mix and match risk classes
  • Mix and match extensions
  • Flexible structuring of policy (eg excess & premium)

Risks covered:
Examples of the most popular risks that our policies cover:

  • Accidental damage
  • Fires
  • Storms
  • Wind
  • Water
  • Hail
  • Theft
  • Liability claims
  • Collisions
  • Power surges