There are several important differences between HMI and other standard insurance offerings:
First this innovative insurance offering is available to business owners who have a minimum of 6 months trading history and do over R30 000 in monthly card turnover through their point of sale.
Next, HMI’s premiums are based on daily card turnover (a world first), which means you pay a fixed rate that’s commensurate with the volume of business you do. So, whether business is booming – or in a flat phase – you always know your insurance costs are covered. (And that means no stress if or when you hit a seasonal slump)
Also, HMI will not only match your current insurance premium, but we may even beat what you are paying right now for the same cover.
On top of that, we think you’ll be pleased to know:
/ Our policies are written in plain language that everyone can understand. (No confusing insurance jargon.)
/ If you make a claim, and it is approved after the usual checks, you will be paid out in full. (We do not apply the Average rule.)
/ Business Interruption cover is standard