Business
You Have Been Stormed
This article was written by Tim Chadwick and published by ITWeb, Lifestyle & Tech and AI Impact on 21 April 2026 Waiting #Specialized #BusinessCyber #RiskManagement #CutRiskNotCorners Everyone at some point clicks something they should not have. An email link without thinking. Or, in a rush, you click a web or domain address before…
Read MoreYou 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 MoreA 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 MoreThe 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 MoreFour 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 MoreTunnel Vision. Who Pays When The Road Is Closed?
#RiskManagement #GoodsInTransit #SupplyChain This article was written by Tim Chadwick and published by News24 on 27 October 2025 Earlier this month a bus caught fire inside Africa’s longest road tunnel, the Huguenot Tunnel. The flames were sorted out “chop chop”. The traffic, not so much. Like a braai without firelighters, everything smoked for…
Read MoreMarine Cargo Insurance: Truths and Myths
#MarineCargo #SpecialisedInsurance Marine cargo insurance is not a formality. It is a technical contract that decides whether you recover millions after a loss, or nothing at all. Yet many businesses in SA who depend on international asset transit misunderstand what is covered, when cover stops and why claims fail. Here are some of the…
Read MoreTop 5 Risks Every South African Franchise Must Tackle
#FranchiseInsurance #SpecialisedInsurance Strong brands do not usually fail on headline risks. They often fail on the risk basics. The five risks below highlight how a franchise system protects its cash flow and its reputation when pressure comes. For each risk you will see the business impact, what insurance can and cannot do and the…
Read MoreWhen Cranes Attack
Soon To Be Sorry Meet the fictional “soon to be sorry” Hennie van der Merwe, who is experiencing what the Germans call “Verschlimmbessern”, making something worse by trying to improve it. He has just signed away five years of his financial soul for a metallic blue BMW M3, complete with leather seats that whisper…
Read MoreInsurance Gaps: When Ports Stop Moving
The sight of 79 vessels anchored outside Durban harbour in late November 2023 looked like a massive maritime traffic jam, akin to the N1 highway suddenly become a parking lot for ocean giants. Over 61,000 containers sat waiting in the Atlantic swells while equipment failures, maintenance backlogs and weather conspired to create one of South…
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