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.

Owning property is probably one of the bigger investments a business or individual will make. The protection of this investment is of paramount importance and therefore needs cover which specifically caters to the unique and varied types of risks found in this sector. STC is your complete Property Owners and Landlord Insurance solution, providing cover for Sectional Title property...

Engineering Insurance caters to a very specific market segment. Again with very unique insurance requirements. Typically engineering risks fall in the category of Construction All Risk (CAR), Erection All Risk (EAR) and Plant All Risk (PAR).

tern 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.