When Murphy’s Law

strikes, We strike back

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Insurance That Works When It Matters Most

Practical cover for individuals, families, businesses, and farms across South Africa with service that feels personal and advice you can trust.

Commercial insurance

Practical protection for SMEs, contractors, retailers, and growing businesses as well as specialised cover for farms, equipment, livestock, and agricultural operations.

Insurance made simple. Protection made personal.

Personal Insurance

Personal insurance is designed to safeguard the items that keep your life moving, whether it’s getting to work, running your household, or staying connected.

Our Partners

Our Experience Spans Every Industry and Challenge

Insurance should feel simple. It should make sense. And when something goes wrong, it should work.

Murphy’s Insurance Brokers helps individuals, SMEs, and agricultural businesses protect what they’ve built. We combine modern systems with old-school service meaning you get fast turnaround times without losing the personal relationship that matters.

Whether you need cover for your car, home, business, or farm, we structure policies around your real risks not just standard packages.

Personal service – You deal with real people who know your name.
Smart technology – Faster quotes, smoother claims, less admin.
Regional expertise – Strong roots in the Free State, Northern Cape, Gauteng and the Western Cape, with national reach.
Built for long-term relationships – We focus on quality clients, not volume.

Frequently asked questions

Couldn't find the answer to your question?

Do I need anti-theft devices, like a tracking device, in my vehicle?

You may need to install an additional security requirement in your vehicle depending on what has been noted on your policy schedule.

What’s an excess?

Your excess is your small share of a claim. Once your claim has been approved by the insurer, you pay your excess, and the insurance company pays the rest.

By agreeing to pay a small portion if something goes wrong, you’re sharing part of the risk – which helps keep your monthly premium lower.

If I take items covered under my Home Contents / Household Goods Insurance out of the house, will they still be covered?

Home contents insurance typically covers items only while they’re inside your home. If you take them out, cover may be limited unless you’ve added an “all-risk” or “portable possessions” extension for specified items like laptops or jewellery. Check your policy wording for full details.

What does insurance cover in a business?

Business insurance typically covers risks such as property damage or loss (e.g., buildings, equipment, inventory), liability for third-party claims (e.g., injuries or lawsuits), employee-related issues (e.g., workers’ compensation), business interruption (lost income during downtime), and cyber threats, helping protect against financial losses from unforeseen events. Specific coverage varies by policy and industry.