All Risk Insurance

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Comprehensive Protection for Valuables – Anytime, Anywhere

Not all your valuable possessions stay at home—and that’s where All Risk Insurance comes in. It ensures that your personal belongings are protected against loss, theft, or damage anywhere in the world.

At Salus Risk, we offer customised All Risk cover for high-value items that travel with you—because we understand your lifestyle demands seamless protection, wherever you are.

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What Is All Risk Insurance?

All Risk Insurance covers specified and unspecified portable possessions that are taken outside the home, including:

  • Jewellery and watches
  • Laptops, tablets, and smartphones
  • Designer handbags and clothing
  • Cameras and professional equipment
  • Sporting gear, bicycles, golf clubs
  • Sunglasses and accessories
  • Travel essentials and luxury luggage

Why It’s Important

Worldwide Cover

Your valuables are protected whether you’re at a café in Cape Town or a conference in London.

High Theft & Loss Risk

Portable items are more vulnerable to loss, accidental damage, or theft on the go.

Tailored to Your Lifestyle

Standard insurance often limits portable item coverage. We ensure your lifestyle is properly protected.

Business & Leisure Ready

Whether you’re commuting, traveling, or attending high-profile events, your belongings are covered.

Key Benefits of Our Cover

Global Protection

Cover remains active beyond South Africa’s borders, ideal for frequent travellers.

Specified High-Value Item Cover

Insure jewellery, tech, and collectibles individually for exact value replacement.

Unspecified Cover for Everyday Essentials

Protect day-to-day carry items like phones, eyewear, and accessories with lump-sum cover.

Accidental Damage Protection

Includes drops, spills, and breakages—at home or on the move.

Contact us for All Risk Insurance tailored to your specific needs

    Why Choose Salus Risk?

    As an independent insurance brokerage, we work with South Africa’s premier insurers to create a solution that’s precise, personal, and fully aligned with your lifestyle. With Salus Risk, you get a financial advisor who ensures your most cherished assets are protected—wherever life takes you.
    Because life isn’t limited to four walls—
    Salus Risk. Intelligent Protection for What Moves With You.