Insights
Top 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 MoreOne Product Three Unexpected Claims
“Hair-Story” The National Consumer Commission (NCC) released an official alert in June 2024, advising consumers to stop using the affected 50 ml neutralizing shampoo sachets from Dark and Lovely Moisture Plus and Anti‑Breakage kits and return them for a full refund. According to sources they were not dangerous for most users, but could cause scalp infections…
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 MoreWhat If…You Shatter A Priceless Chair On An Overseas Holiday?
Personal Liability, Be Careful Before Sitting On Priceless Chairs Picture this. You are standing in an Italian museum, smartphone in hand, hunting for that perfect Instagram shot. The kind that makes your colleagues back in Constantia think you have got culture. There is a crystal chair glittering under the gallery lights. Hundreds of…
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…
Read MoreInsurance 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 MoreR2m 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 MoreWhy Do Innocent Drivers Still Pay?
Third Party Motor Claims : Fair Payouts Often Need a Fight Being involved in a car accident when you don’t have comprehensive motor insurance can be devastating enough. However, many South African motorists are completely unprepared for the harsh reality of third party insurance claims and the principle of “blame apportionment” that can leave them…
Read MoreHow 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 MoreWhen 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…
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