Risk Management
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 MoreSouth 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 MoreThe Maersk Route closure isn’t the core issue. Insurance gaps might be.
#MarineCargo #GoodsInTransit This article was written by Tim Chadwick and published by Money Marketing on 29 October 2025 If the Maersk AMEX route closure on 01 October has caught you off guard, it is worth pausing to reflect on the broader logistics risk landscape. The immediate challenges of longer transit times and higher freight costs are…
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 MoreAre you on insurance autopilot?
#SilentDebit #PersonalInsurance #BusinessInsurance Treat your business insurance renewal, like you treat an audit Most businesses review the premium and move on. But renewal is the time to check whether your cover still matches your risk and whether you are getting value for money. Avoid insurance autopilot. Would you get on a plane…
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 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…
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