Business
Business Insurance – Insurance Gaps Can Be Your Biggest Threat
In the early hours of 9 June 2025, a cold front collided with warm coastal air over the Eastern Cape and turned a routine winter storm into a disaster. Snow fell in the highlands while torrential sheets of rain hammered Mthatha and surrounding districts, swelling rivers faster than storm water drains could empty them. Within…
Read MoreCyber Insurance – R2m Lost to Phishing Email: Insured or Uninsured?
One click triggered a national system shutdown, exposing a major revenue loss and raising urgent questions about cyber cover and risk structure. Real Event In January 2025, the South African Weather Service suffered a serious breach after staff responded to a phishing email. The message triggered a wider cyberattack that encrypted SAWS systems…
Read MoreBusiness Insurance – How To Avoid A R423m Unpaid Claim
Lewis Group’s R423 million Business Interruption claim has hit a costly procedural wall. The High Court ruled on the 20 May 2025 that the dispute must be resolved through arbitration, not litigation, as set out in the policy wording. This effectively put the court case on hold. While the insurers had already admitted liability…
Read MoreGeneral Insurance – When the Guest Steals the Keys And Everything Else
In South Africa’s growing short term rental market, many property owners are discovering that letting out their property comes with hard lessons. The Davidson case, recently reported on in News24, is one of those lessons—costly, painful and entirely avoidable with the right insurance and risk structure. The Davidson Disaster: A Flat Stripped, A Dream…
Read MoreBusiness Insurance – Supply Chain Vulnerabilities: What South African Businesses Need to Know for 2025
South African companies face an increasingly challenging business environment when it comes to supply chains. Critical infrastructure is frequently cited as South Africa’s top business risk and for good reason. The threats are both unique to our local context and part of global trends. Load shedding interrupts production and compromises temperature sensitive goods. Port congestion…
Read MoreBusiness Insurance – Lithium Fire: Your Firefighting Equipment Will Likely Fail
Lithium-ion batteries have become a cornerstone of modern energy storage, powering everything from solar systems and electric vehicles to home backup solutions and business operations. In South Africa, the widespread adoption of these batteries has been fueled by the need for reliable power during load shedding. Businesses use them to ensure uninterrupted operations and reduced…
Read MoreMotor Insurance – Before You Buy: Vehicle Theft Risk Advisory
Vehicle theft and hijacking remain significant concerns, with certain models still being targeted by criminals. This advisory aims to serve as a risk update and to provide crucial information on high risk vehicles, safety measures and insurance implications. High-Risk Vehicle Models Based on insurers’ loss data over a sustained period, several vehicles are frequently targeted…
Read MoreGeneral Insurance – SASRIA Cover Explained
SASRIA Cover Explained As we move towards elections and the increased risk of riots and strikes, it is an opportune time for you to review your SASRIA or effect SASRIA cover. SASRIA cover is designed to cover events like riots and strikes (which are excluded from standard insurance policies), leaving you significantly financially exposed…
Read MoreGeneral Insurance – Risk Alert: National Shutdown 20 March 2023
Forewarned is forearmed – it is always wise to be prepared for the worst. The planned national shutdown on 20 March 2023, the imminent strike of SAPU (SA Policing Unit) and the ongoing strike by Nehawu (National Education, Health and Allied Workers’ Unions) is a potential cocktail of destruction in the making. Various sources in…
Read MoreGeneral Insurance – Additional Power Installations & Insurance Implications
One of the hottest topics currently, is the creation of additional power through Solar PV (photovoltaic) or generator installations, due to high levels of load shedding. There are several legal and statutory regulations that govern these installations, which we believe you should be aware of: Any installation which affects the distribution board (DB board), must…
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