You Have A Fuel Problem.

#Business #Engineering #RiskManagement This article was written by Tim Chadwick and published by MoneyMarketing on 30 March 2026   Somewhere Near Dubai The Strait of Hormuz, until recently, occupied the same mental real estate for most South Africans as your IT guys 2 hour sermon on cloud migration versus on premise storage. It was a background hum. An annoying…

Read More

Before The Flatbed.

#PersonalInsurance #Claims This article was written by Tim Chadwick and published by News24 on 29 March 2026   This is a true story. It has been all over the media. Mr Pierre Coetsee suffered a misfortune, circa October 2025. His 2023 Defender incinerated itself. Comprehensively. His second misfortune, in the reported version, was his insurers response. The courts and…

Read More

It Won’t Happen To Me

#Cyber #SpecialisedInsurance #BusinessInsurance #RiskManagement This article was written by Tim Chadwick and published by News24 on 15 March 2026   Beware the Ides of March Enter character one. Marcus Johanus Brutus, a South African businessman. Sharp pin striped suit. Rolex watch. Corner office overlooking the N1. He has called an urgent partners meeting for March the 15th. He…

Read More

A Black Cat. Friday the 13th And A Motor Claim

#personalinsurance #motorclaim #highnetworth #businessinsurance   This article was written by Tim Chadwick and published by News24 on 22 March 2026   Act One The bang, when it came, was exactly the sort that rearranges a Friday. And your weekend. I was on the M3, minding my business, on my way home from the salt mines on Friday afternoon.…

Read More

Your Car is Smart. Your Thief is Smarter.

#PersonalInsurance This article was written by Tim Chadwick and published by News24 and IOL on 8 March 2026   Your Car is Smart. Your Thief is Smarter. My client Danie. I will not use his real name as he will recognise himself immediately. Anyway, Danie spent R14,000 on vehicle security last year. He has a Ghost immobiliser, a…

Read More

The Silent Debit Order Heist

#Personal #Business #Specialised This article was written by Tim Chadwick and published by News24 on 10 February 2026   It starts, as these things invariably do, on a perfectly innocuous Tuesday. The coffee is hot, the cat is judging me from the sofa and the world seems, temporarily, at least, to be behaving itself. Then, you make the…

Read More

Can you insure against a systemic internet collapse?

This article was written by Tim Chadwick and an abridged version was published by News24 on 17 January 2026.   The Day The World Went Quiet #cyberinsurance #riskmanagement   The Blinking Lights Pieter van der Merwe, the IT guy at YeboYes, watched the router light blink. Off. On. Off again. It had been doing this for eleven…

Read More

Four landmines kill a R250 million business: A Chadwicks case study

This article was written by Tim Chadwick and published by Cape Argus and IOL on 14 January 2026.   Is Your Business Interruption Insurance A Lucky Packet? #BusinessInterruption   The YeboYes Group manufacturing facility burnt to the ground on a Tuesday afternoon, which was inconvenient for several reasons, the least of which was that Simon Smit,…

Read More

The unexpected guest at the Koekemoer braai

This article was written by Tim Chadwick and published by News24 and Estate Living on 16 December 2025   Fine Wine, Rockslides and the Fine Print. #highnetworthinsurance   When it comes to insurance, you get what you pay for — so make sure that the off-the-shelf solution does cover all your assets fully The aroma of…

Read More

South Africa’s next big scam: APP fraud

#PersonalCyber #BusinessCyber #RiskManagement   This article was written by Tim Chadwick and published by Currency News on 26 November 2025   Real-time payments have supercharged South Africa’s fraud risk – and most businesses don’t have the proper internal procedures to protect themselves. Here’s how.   We made payments fast. Fraudsters said thank you. South Africa is racing…

Read More