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25 Years - Top Independent Agency

SEMA Insurance is an innovative risk solutions specialty firm dedicated to delivering client driven risk management services!


 Commercial Insurance cover is essential to protect your business, without a proper cover your livelihood is at risk. An unexpected loss could cause financial hardship and destroy years of hardship and investment.


The range of commercial insurance policies available is as wide and varied as the businesses they cover. From small retails shops to manufacturers, insurance can be tailored according to the needs and requirements of your business. We offer a wide of range of cover from Fire & Allied Perils to Employers’ Liability.

Protecting your business
It is important for every organization to implement a comprehensive risk management program. The benefits associated with the risk improvements will become apparent over time, and outweigh any additional cost to the business.  Any business, whether a small commercial outlet or a large manufacturing industry must employ operating procedures and use proven training methodology to ensure that machinery is operated as it is intended to be.
Nowadays, legal, commercial and social factors have forced risk management firmly into the boardroom. Nowhere is the identification and management of risks more important than for employers that operate plant and machinery.

This changing legal environment means employers still need to be made more aware of managing risk in their business and have the benefits clearly spelled out – namely, a reduction in operational cost due to lower employee injury incidents and more realistic Employers’ Liability premiums