Products
Personal Insurance
We have a strong team of qualified and experienced staff across 6 branches nationally who share our vision of making a difference by being different. This translates into efficient and highly effective service delivery to each and every one of our clients.
Our Personal Protector policy offers comprehensive cover looking after the insurance needs of an individual and all their personal belongings including limited business cover.
The policy includes covers for House Owners, Household Contents, All Risks, Personal Accident, Motor, Personal Liability, Personal Computers and Pleasure Craft.
Continuous and consistent evaluation of our product against our clients’ needs has led to an improved Personal Protector Policy
which compares more than favourably with the best the market has to offer.
Subject always to the current policy terms and conditions, herewith some of the unique new features:
- The Building Section offers all risks cover. The event – if not specifically excluded – is covered.
- The Contents Section provides cover for Loss of Water by leakage from pipes in the private residence, where you are responsible to pay for the charges, up to a limit of R10 000.
- Accidental Damage (other than mechanical or electrical breakdown) up to R10 000 with
power-surge damage up to R50 000 on all household electrical goods is automatically covered. This, we believe, is real added value. Contact your Broker should higher limits be required. - Mechanical and Electrical Breakdown to various home appliances, such as deep freeze unit, refrigerator, washing machine, stove, hob and microwave, is automatically covered up to R1 000. Contact your Broker should higher limits be required.
- The Motor Section offers various options of Car Hire in the event of loss of or damage to your insured vehicles. Contact your Broker to find out more.
- The Computer Section extends to include an incompatibility cover which relates to any modifications or alterations necessary as a result of computer damage.
- The Pleasure Craft Section includes damage resulting from impact with submerged objects.
- The Personal Accident Section now includes contribution towards bereavement expenses up to R10 000.
- Frontline Personal Assist, our value-added product, includes the following benefits:
- Roadside Assistance
- Emergency Medical Services
- Trauma & Assault Counselling
- Advanced Household Maintenance Assistance
- Emergency Home Assistance
- Leak Detection Assistance
- Concierge Services
- Do Not Tow Information
- Crime & Security Assist
- Legal Assist
- Panic SOS
- Frontline Assist PWA (Progressive Web App)
Commercial Insurance
Most commercial policies are based on the now outlawed Multimark III – the market policy which was withdrawn by the South African Insurance Association (SAIA) in 2007. However, Frontline’s highly skilled and knowledgeable staff can assist intermediaries in tailoring products to specifically fit customer profiles and address their customers’ non-life insurance needs. Commercial insurance is a specialised field and Frontline’s people are professionals who are ready to make a difference to our intermediaries’ business and their clients’ lives. Here are our commercial product offerings:
Commercial Protector
Frontline Underwriting Managers offers a comprehensive multi-peril commercial policy that caters for the insurance needs for most commercial and industrial business enterprises large and small. Our policy includes cover for Fire, Buildings Combined, Business Interruption, Accidental Damage, Theft, Money, Glass, Goods in Transit, Fidelity, Motor, Group Personal Accident, Business All Risks & Electronic Equipment but is not limited to this.
Frontline Underwriting Managers offers a comprehensive multi-peril commercial policy that caters for the insurance needs for most commercial and industrial business enterprises large and small. Our policy includes cover for Fire, Buildings Combined, Business Interruption, Accidental Damage, Theft, Money, Glass, Goods in Transit, Fidelity, Motor, Group Personal Accident, Business All Risks & Electronic Equipment but is not limited to this.
Constructure
Constructsure products offer specialised buildings cover specifically designed for:
Constructsure products offer specialised buildings cover specifically designed for:
- Commercial / Industrial Buildings
- Body Corporates
- House Owners.
- Homeowners Associations
The cover is comprehensive and includes various extensions and additional covers as part of the policy.
Guestsure
Our GUESTSURE product is specifically designed for the hospitality industry, which is dynamic and faces a multitude of risks that require specialised insurance. From B&Bs to hotels and game farms, the benefits offered by this product ensure that clients are correctly covered against a wide range of eventualities across this diverse industry. Cover includes:
Our GUESTSURE product is specifically designed for the hospitality industry, which is dynamic and faces a multitude of risks that require specialised insurance. From B&Bs to hotels and game farms, the benefits offered by this product ensure that clients are correctly covered against a wide range of eventualities across this diverse industry. Cover includes:
- Theft without forced entry
- Bilking cover
- Property belonging to guests
- Accident (Group and Personal)
- Business interruption
- Fire
- Motor
- Liabilities
- Property and contents
- Watercraft
Agriplus
Frontline Underwriting Managers AGRIPLUS policy, underwritten by Old Mutual Insure, a leader in agricultural insurance, is a policy that fully caters for the needs of today’s commercial farmers. The farming community are already benefitting greatly from our knowledge of the industry and our understanding of the associated risks. Cover includes:
- Various farming related risks to vehicles
- Pumps and electric motors
- Irrigation pipes and pumping equipment
- Hammermills
- Property in the open
- Spray irrigation systems on wheels and centre pivots
- Paddock and boundary fences
- Damage to water tanks and water apparatus
- Produce and livestock in transit
- Droving and escaping of animals/stray animals
- Special provisions with reference to livestock
- Spreading of fire
Contractors, Plant & Machinery
Frontline Underwriting Managers offers a comprehensive multi-peril engineering policy that caters for the insurance needs for most heavy machinery and equipment used in construction and other types of projects, relevant to contractors, builders, and construction companies. large and small. Our policy includes cover for:
- Fire
- Accidental Damage
- Theft
- Plant
- Machinery
- Third-Party Movement
- Damage & Operational Risks
but this particular coverage is not limited to this. Over and above our diverse products offered, commercial policyholders have the benefit of using our value added services.
Notices
Transition from AIG South Africa to Lombard Insurance Company Limited & Leppard and Associates (Pty) Limited October 2025
Dear Business Partner,
We are writing to inform you that your current insurance policy, underwritten by AIG South Africa, administered through Southern Cross Risk Managers, an authorised Financial Services Provider (FSP 14874) will transition on 1st October 2025.
We are pleased to advise that we have secured terms with Leppard & Associates (Leppard), a highly respected specialist underwriting agency. Leppard has an established track record of delivering tailored insurance solutions, underpinned by strong technical expertise and a deep understanding of complex Liability and Professional Indemnity risks. Leppard & Associates (Leppard), an authorised Financial Services Provider (FSP 274), has a long-established binder agreement operating under the licence of Lombard writing Built, Fiduciary, Financial Professionals, Legal, Miscellaneous PI, Broadform Liability, Security Liability, Directors and Officers Liability and Financial Institutions Crime and Civil liability.
Lombard is an established specialist insurer with over 34 years of experience.
What is changing for you as a policyholder at policy renewal?
Your existing top up liability policy will transition to Lombard / Leppard on its renewal date commencing 1st October 2025, rolling renewals until 30th September 2026.
New policy terms will be offered under Lombard / Leppard effective from 1st October 2025.
Rationale behind the move:
Due to an excessive increase in premiums proposed by AIG, after careful evaluation, we have secured a partnership with Leppard and Associates (Pty) Ltd. Leppard and Associates bring extensive industry experience and a proven track record in managing complex insurance facilities.
Their commitment to service excellence aligns with our values, and we are confident that this transition will enhance the overall experience.
In addition to their proven expertise, Leppard and Associates have consistently demonstrated an ability to adapt to evolving market demands and regulatory changes. Their proactive approach to risk management, coupled with their strong relationships with underwriters, ensures that they can provide competitive terms and tailored solutions to meet your unique needs.
This partnership also brings an enhanced level of flexibility and responsiveness that will undoubtedly contribute to improved client satisfaction.
The current cover and value-added products will be maintained. Additional value-added products are currently being explored. These will be shared with you in due course.
We as your broker are excited about the Leppard/Lombard transition as the specialist knowledge and service you have come to expect in relation to your policy will remain in force.
Key Points of the Transition:
Your existing policy with AIG will transition to Leppard on its renewal date.
New policy terms will be offered under Lombard effective from 1st October 2025.
We will ensure that the new policy’s terms and conditions meet your needs.
We will ensure that your cover remains uninterrupted, ensuring a seamless process.
Premium change:
- Existing business new pricing: Commencing with the Frontline/SCRM renewals 1 October 2025 and renewals rolling until 30th September 2026.
- New Business Pricing: Commencing 1st October 2025:
- PREMIUM:
Please find below a summary of my observations regarding coverage scope, key differences, and notable exclusions between the two policies:
Coverage Limits and Territorial Scope:
- Leppard Policy
Provides global cover, with the exception of any claims arising under the laws of North America. - AIG Policy
Specifically lists Southern African countries (including RSA, Lesotho, Botswana, Malawi, etc.) as the territorial scope, though claims may arise internationally. However, judgments must be obtained within the listed jurisdictions.
Key Differences:
|
Area |
Leppard |
AIG |
|
Territorial Limits |
Worldwide (excluding North American laws) |
Southern African focus; judgment must be from listed regions |
|
Legal Costs |
Included within the policy limit |
Payable only with written consent and over and above the primary policy |
|
Primary Policy Exhaustion |
Required before cover is triggered |
Required before AIG’s liability attaches |
|
Extension if Primary Exhausts |
Not explicitly stated, but implied |
AIG policy steps in as primary if the underlying policy is exhausted |
Common Exclusions:
- Liability arising from aircraft use
- Business or professional activities
- Motor vehicle use (unless covered by the primary policy)
- War and terrorism
- Nuclear risks
- Asbestos and silica exposure
- Pollution (unless sudden and accidental)
Notable Differences in Exclusions:
|
Area |
Leppard |
AIG |
|
Watercraft |
Strict limitations on size, range, and permitted use |
Excludes watercraft over 8 meters in length |
|
Infectious Diseases |
Broad exclusion, including COVID-19 and declared pandemics |
Not specifically addressed |
|
Cyber Events |
Excluded via a dedicated clause (e.g., malicious code) |
Covered only if not explicitly excluded or addressed |
|
Grid Failure |
Not mentioned |
Specifically excluded via a Grid Failure Endorsement |
In conclusion, both policies are broadly similar in structure and intent, with some nuanced differences primarily in the exclusions and territorial scope.
Yours Sincerely
Ready to protect what matters most?
Whether you need cover for your home, business, or specialist risks, our team is here to help with tailored insurance solutions and expert advice you can trust.