How many devices do we need before bulk pricing applies?

Volume rates typically start at five devices. Below that, individual policies per device are usually cheaper, and you can compare those on our phone, laptop and tablet pages.

Can we cover employees' personal phones used for work?

Yes, with a BYOD endorsement. The device is scheduled in the company policy but the claim settles to the employee's device, so agree in advance who carries the excess.

Are devices covered outside South Africa?

Standard schedules cover the SADC region and in-transit risk. Add worldwide cover if staff travel internationally — most insurers cap it at 90 consecutive days per trip.

What documents do we need for a theft claim?

An IMEI or serial blacklisting confirmation within 24 hours, a SAPS case number within 48 hours, the employee's incident statement and the device's proof of purchase or asset register entry.

Is the premium tax deductible?

Premiums on company-owned equipment are generally deductible as a business expense and the VAT is usually claimable where the insurer charges it. Confirm your specific treatment with your accountant or SARS practitioner.

What happens when staff leave or we buy new devices?

Policy lines are reassignable. You send monthly additions and deletions, and the schedule and invoice are adjusted pro rata — no re-underwriting for like-for-like replacements.

For business

Insure your whole team's devices under one policy

From 5-person startups to 5,000-seat enterprises — get a single bulk policy for every phone, laptop and tablet your team uses. Volume pricing, one invoice, zero admin headaches.

One policy, every device
Volume discounts from 5+ devices
Single monthly invoice
Dedicated account manager
Bulk activation in minutes
Cover for BYOD & company-issued

Trusted by 240+ SA businesses

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Why South African businesses insure devices separately

Office contents cover rarely follows your staff

Most commercial multi-peril policies in South Africa cover equipment at the insured premises. The moment a laptop leaves the Sandton office for a client site in Midrand, or a rep's phone goes with them to a Cape Town trade show, you are usually relying on an "all risks" extension you may never have specified. A dedicated device policy covers the asset wherever it is, including in transit and at employees' homes.

Theft risk is location-driven

Smash-and-grab, CBD snatch theft and load-shedding-related break-ins drive a large share of South African device claims. Teams operating in Johannesburg CBD, Durban and Cape Town's inner city typically see higher claim frequency than teams in smaller centres — which is exactly why bulk pricing based on your real risk profile beats a flat per-device premium bolted onto a network contract.

Downtime costs more than the handset

A field technician without a phone cannot receive jobs; a consultant without a laptop cannot bill. Business policies can include loan devices and courier-based swap-outs so a claim costs you hours, not weeks. Ask any insurer to confirm turnaround times in writing before you sign.

What a bulk device policy covers

Cover is arranged per device class, under one schedule and one monthly invoice. Typical inclusions for South African business fleets:

Included as standard

Theft, armed robbery, hijacking and burglary (SAPS case number required)
Accidental and liquid damage, including cracked screens
Mechanical or electrical breakdown after the manufacturer warranty lapses
Cover away from the premises: client sites, home offices, in-vehicle and in transit
Employee churn — reassign a policy line to a new staff member without re-underwriting

Common add-ons

Loan devices and 24–48 hour national courier swap-outs
Worldwide cover for staff travelling outside South Africa
Accessories: chargers, docking stations, styluses, earbuds
Data-bundle abuse cover after a handset theft
BYOD endorsement for personally owned phones used for work

What business device cover costs in South Africa

Business premiums are quoted as a percentage of each device's replacement value, then discounted for volume, claims history and security controls such as MDM enrolment and remote wipe. Indicative 2026 monthly ranges per device:

Indicative monthly business device insurance premiums in South Africa, 2026
Device class	Typical value	Per device / month	Fleet of 50
Entry Android handsets	R3 000 – R6 000	R39 – R79	≈ R2 950/month
Mid-range smartphones	R8 000 – R14 000	R79 – R169	≈ R6 200/month
Flagship smartphones	R20 000 – R35 000	R165 – R310	≈ R11 800/month
Business laptops	R14 000 – R28 000	R129 – R265	≈ R9 400/month
Tablets & rugged devices	R6 000 – R20 000	R69 – R210	≈ R5 600/month

Figures are indicative market ranges for planning purposes, not a quote. Your final rate depends on the insurer, excess structure, device mix and loss history. Premiums on company-owned equipment are generally a deductible business expense — confirm treatment with your accountant.

How onboarding and claims work for teams

1. Asset schedule
Send us a spreadsheet or MDM export with make, model, IMEI or serial and replacement value. We handle the formatting.
2. Quote and terms
You receive banded pricing per device class, excess options and turnaround commitments within one business day.
3. Bulk activation
The whole schedule goes live on one start date, with a single debit order and a monthly VAT invoice.
4. Claims
Staff claim directly; your account manager tracks every claim. Theft needs an IMEI blacklist within 24 hours and a SAPS case number within 48.

Cover by industry and team type

Field services and logistics

Technicians, drivers and installers in Gauteng and KZN carry rugged handsets and scanners that live in vehicles. Prioritise in-transit theft cover and fast swap-outs.

Professional services

Law, audit and consulting teams run high-value MacBooks between client offices. Worldwide cover and data-wipe support matter more than premium shaving.

Retail and hospitality

Point-of-sale tablets and back-office phones face high-traffic accidental damage. Look for unlimited screen claims and a low rand excess.

Construction and mining

Site conditions cause dust, drop and liquid damage far above office norms. Rugged-device schedules should be rated separately from office equipment.

Call centres and BPO

Hundreds of low-value headsets and handsets — volume pricing and self-service claim portals cut admin more than per-device features do.

Remote and hybrid teams

Devices sit in employees' homes across the country. Confirm the policy covers residential addresses and that BYOD is endorsed in writing.

Business device insurance FAQs

How many devices do we need before bulk pricing applies?: Volume rates typically start at five devices. Below that, individual policies per device are usually cheaper, and you can compare those on our phone, laptop and tablet pages.
Can we cover employees' personal phones used for work?: Yes, with a BYOD endorsement. The device is scheduled in the company policy but the claim settles to the employee's device, so agree in advance who carries the excess.
Are devices covered outside South Africa?: Standard schedules cover the SADC region and in-transit risk. Add worldwide cover if staff travel internationally — most insurers cap it at 90 consecutive days per trip.
What documents do we need for a theft claim?: An IMEI or serial blacklisting confirmation within 24 hours, a SAPS case number within 48 hours, the employee's incident statement and the device's proof of purchase or asset register entry.
Is the premium tax deductible?: Premiums on company-owned equipment are generally deductible as a business expense and the VAT is usually claimable where the insurer charges it. Confirm your specific treatment with your accountant or SARS practitioner.
What happens when staff leave or we buy new devices?: Policy lines are reassignable. You send monthly additions and deletions, and the schedule and invoice are adjusted pro rata — no re-underwriting for like-for-like replacements.

Cover a single device instead

Not ready for a team policy? Compare individual cover by device type, or read our guides on what SA insurers actually pay out.