Vitari specialises in commercial short-term insurance for businesses in transport and trucking, fuel distribution, large-scale agriculture, game lodges and hospitality, shopping centres, dairies, factories, and vehicle companies. We welcome commercial clients of all sizes — from growing businesses to large enterprises.
Vitari currently operates in partnership with Clanfin, a licensed short-term insurance broker in South Africa registered with the FSCA (Financial Sector Conduct Authority). Vitari is completing its own FSCA broker licensing requirements, with full registration targeted by December 2026.
A structured review of your existing coverage to identify gaps, uninsured risks, and opportunities to reduce premiums. Vitari offers this at no cost to commercial clients. Most audits are completed within 5–7 business days and include a written summary of findings.
Cell-captive insurance is a structure where a business co-invests in its own insurance risk pool, rather than paying premiums entirely to a third-party insurer. Unused premiums are reinvested rather than retained by the broker. Vitari is developing this structure in partnership with South Africa's top cell-host for clients with larger premium volumes.
Vitari serves commercial clients across the whole of South Africa and sub-Saharan Africa. We work with businesses in all major provinces and can structure coverage for cross-border logistics and operations.
Most clients receive an initial quote within 48 hours of submitting their details. Complex fleet or industrial policies may require 3–5 business days for full underwriting. Expedited quoting is available upon request.
Commercial fleet insurance covers multiple commercial vehicles under a single policy. Coverage typically includes own damage, third-party liability, goods-in-transit, business interruption, hijacking, and cross-border extension. Businesses with 3 or more vehicles — trucks, tankers, trailers, or LDVs — qualify for fleet insurance.
The most common mistakes include underinsuring vehicle replacement value, carrying inadequate goods-in-transit limits, having no business interruption cover, and failing to review policies annually. Vitari's bi-annual review process is specifically designed to catch and correct these gaps before they result in underinsured claims.
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