Business Assurance

At the Efficient Group, we are dutybound to reduce economic inequality in South Africa and, by doing so, we need to protect and grow our economy.

This includes providing sound, informative, and knowledgeable advice to business owners.

With the encouraging increase in the number of small- to medium-sized businesses registered in South Africa, the need for appropriate business assurance, insurance products, and advice is gaining momentum. Although there is a wide range of solutions available to accommodate almost all business assurance requirements, this specialist field can be extremely complex to navigate. That is why it is critical to ensure that solutions are suitably structured to avoid adverse income tax and/or estate duty treatment.

At Efficient Insure, an Efficient Group division, we ensure that an efficiently structured business assurance plan not only ensures the sustainability of your business but also protects you against unexpected or unlikely events that may befall you as a business owner and/or key employee. The Efficient Group’s holistic offering affords you access to all major South African assurers. We are thus well positioned to provide you with a robust range of alternatives, enabling you to select the most appropriate risk solutions to suit your specific financial needs.

Our Offering

  • Deferred compensation
  • Preferred compensation
  • Keyperson assurance
  • Buy-and-sell agreements
  • Loan account cover
  • Business contingency plans


  • A wide range of insurance options
  • Independent advice
  • Professional and qualified financial advisors
  • Personalised ‘breakeven’ assessments
  • An ongoing review and relationship management process