Public Sector Insurance

our partnership

About Territory Underwriting Managers

Bryte joined forces with Territory Underwriting Managers (TUM) to provide the highest level of customised insurance for the public sector in South Africa. TUM specialises in creating innovative insurance and risk management solutions for municipalities and public entities. Their offerings are designed to help these entities meet their goals, comply with regulations, and address the specific risks that municipalities and public entities face.

Our offerings

Cover includes

We provide comprehensive insurance solutions for a range of essential areas, including:

Buildings and property

For damage to structures and properties.

Miscellaneous categories

Includes protection against theft, loss of money, and fidelity guarantee (financial losses due to employee dishonesty).

Group personal accident

For accidents affecting employees or groups of individuals.

Motor fleets

For multiple vehicles used in operations.

Liabilities

Protection against legal liabilities.

Directors and Officers liability

For personal liabilities of directors and officers.

Professional indemnity and assets all risks

Protection against professional errors and comprehensive coverage for all risks to assets.

Territory Underwriting Managers

Areas covered

Fire and allied perils

Protection against fire and related risks.

Buildings combined

For buildings.

Business interruption

Replaces business income lost due to disasters such as natural catastrophes or fires.

Electronic equipment

For damage to or loss of electronic devices.

Business all risks

For various business-related risks.

Glass

For damage to glass structures or installations.

Goods in transit

Protects cargo being transported.

Fidelity guarantee

Protection against financial losses due to employee dishonesty.

Machinery breakdown

Protects your machinery against physical damage.

Contractors all risks

Protection against risks associated with construction, including legal liability to compensate for death/injury and loss or damage to third parties.

Small craft

For small boats or watercraft.