Our products

Personal Lines

Zenith’s Personal Lines products are designed and segmented with the affluent household in mind, providing a solid base of protection while allowing for customisation to address individual needs. We emphasise straightforward and clear policy wordings and schedules, giving intermediaries and policyholders peace of mind about the cover offered. Additionally, we diligently track product life cycles to ensure our cover is adapted to remain relevant to a continually changing risk environment.

Beyond by Zenith

This product has been designed for the high-net-worth segment and is written on an asset all-risks basis.

Eligibility is based on a solid insurance record spanning at least three years, along with insured household contents valued at R500,000 and above, or an insured dwelling valued at a minimum of R2,000,000.

Among other benefits, Beyond by Zenith offers unspecified all risks cover for household contents and electronic equipment. Motor vehicles can be insured for risk-specific classes of use, and vehicles can be covered at their current value against future losses.

Cover for business legal liability is offered as an option under the Personal Legal Liability section where the business is conducted from home.

Uniquely suited to the South African insurance market, this policy extends cover to include what is typically excluded in similar policy wordings and instances of non-compliance with conditions of cover.

View the exciting features of the Beyond by Zenith policy here.

Ignite by Zenith

This product has been designed as a startup policy for young professionals in the high-net-worth segment – such as doctors, attorneys, actuaries and chartered accountants – who are poised to grow into full high net-worth individuals and transition to the Beyond by Zenith lifestyle.

Eligibility requires membership of a professional society in South Africa by which the individual’s profession is governed, along with insured household contents valued at R350 000 and above,
or an insured dwelling valued at a minimum of R1 800 000.

Among other benefits, Ignite by Zenith offers unspecified all risks cover for household contents and electronic equipment. Motor vehicles can be insured for risk-specific classes of use. Cover for business legal liability is offered as an option under the Personal Legal Liability section where the business is conducted from home.

Cover limits for automatically extended covers generally surpass the value of such covers offered by products competing in the high-net-worth segment.

View the exciting features of the Ignite by Zenith policy here.

Commercial Lines & Agri

Commercial Lines Insurance

Our Commercial Lines products are aimed at small to medium-sized enterprises, providing cover options that are comparative with similar offerings in the market.

Our range includes Business Insurance, Agri-Insurance and Property Risks & Sectional Title Insurance, all of which have been designed for businesses with moderate risk profiles in terms of complexity and exposure.