Property damage, liability and business interruption in one programme.
Commercial insurance
Personal insurance
Livestock insurance
VIP protection
Contractors all risk
Performance guarantees
Property evaluation
Vintage car evaluation
Who we are
Accessible, affordable cover for every South African.
Sipea Financial Services is a 100% black-owned, independent brokerage specialising in commercial and personal short-term insurance. We work for you, not the insurer, comparing the market so you get the right protection at the right price.
35
+
Years of combined experience
Insurance should protect your plans, not complicate them. We explain your options in plain language, design cover around your real risks, and keep you informed until every claim is settled.
100
%
Black-owned and independent, so our advice is always on your side.
13
+
Insurance products, from business and cyber to livestock and guarantees.
What we cover
Reliable cover for what you’ve built.
Commercial lines insurance
Cover for your premises, stock, equipment, vehicles and liability, so one bad day never closes your doors.
Personal lines insurance
Your home, car and belongings protected with flexible cover built around the way you live.
Contractors all risk & guarantees
Project cover and guarantees that protect your site and help you win bigger contracts with confidence.
How it works
Simple steps to the right cover.
From the first call to the day you claim, one team handles your cover. Here’s what working with Sipea looks like.
Start with a conversation
Call us, send a message or request a callback. We listen first, so we understand your business, your family and what you need to protect.
Free, no-obligation consultation
Plain-language advice
Personal and business needs
Specialist cover
Cover for the risks others overlook.
Agriculture
Livestock insurance.
Cover for cattle, sheep, goats and game against death, theft, disease and natural perils.
Construction
Performance guarantees.
Guarantees that help contractors tender with confidence and protect project owners.
Valuation
Property evaluation.
Commercial and residential evaluations so you insure, buy and sell at the right value.
Valuation
Vintage car evaluation.
Independent valuations that capture a classic car's true worth and authenticity.
Why choose us
Your partner for complete peace of mind.
More cover, less spend
We identify the most cost-effective cover on offer, putting more money back into your pocket without leaving you exposed.
Quotes from multiple insurers
No paying for cover you don't need
Excesses explained upfront
Regular reviews to keep premiums fair
Client stories
Trusted by businesses, families and farmers.
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“Placeholder testimonial. Replace with a real quote from a Sipea commercial client describing how the team assessed their risk and helped at claim time.”
A broker works for you, not the insurer. We assess your needs, compare cover from several insurers, explain the options in plain language and support you when you claim, at no extra cost to you in most cases.
No. Sipea Financial Services is an independent, 100% black-owned short-term insurance brokerage. We place your cover with established insurers and manage the relationship on your behalf.
Commercial and personal short-term insurance, Contractors All Risk, performance and construction guarantees, livestock insurance, VIP protection, professional indemnity, D&O, cyber, travel and more. We also offer property and vintage car evaluations.
Premiums depend on what is insured, its value, where it is kept, your claims history, security measures and the excess you choose. We show you how each factor affects the price so you can make trade-offs with your eyes open.
The excess is the first amount of a claim you pay yourself. A higher excess usually lowers your premium. We help you pick an excess you can comfortably afford.
Call or email us as soon as possible after the incident. We'll tell you exactly which documents are needed, such as photos, quotes or a SAPS case number, submit the claim with you and keep you updated until it's settled.
Yes. Send us your current schedule and we'll check it for gaps, under-insurance and savings, with no obligation to move.
Our products
A product for every kind of risk.
Business insurance
Cyber insurance
Protection against data breaches, hacking and online fraud.
Travel insurance
Medical emergencies, lost luggage and cancellations, covered.
Have a question?
Leave your details and one of our brokers will call you back, usually within one business day.
Get in touch
Let’s find the right protection.
Whether it’s a new policy, a second opinion on your current cover or help with a claim, our Midrand team is ready to help.
