Risk Management
Travel Insurance – What 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 MoreBusiness Insurance – Insurance 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 MoreBusiness 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 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 – 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 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…
Read MoreGeneral Insurance – Short Term Premiums On The Rise
When? Insurance companies review their pricing, risks and products regularly. In terms of pricing, your insurance premium is likely to increase when you renew your policy yearly, regardless of insurer or whether you have had claims or not. Price increases, other than at renewal, occur when insurers are forced to take more drastic action based…
Read MoreGeneral Insurance – Risk Management and Your Risk Profile
This is the first in a series of articles on the important role Risk Management plays in insurance. Let’s take a trip down the insurance memory lane. In the beginning, insurance was invented to spread the financial risks of an event which could cause severe loss or damage. Ships sinking and the Great Fire of…
Read MoreGeneral Insurance – Risk Management and Buildings
This is the second article in our Risk Management series. Winter is on its way in the Western Cape. Broadly speaking, heavy rain results in a vast amount of damage to buildings in South Africa every year. Some of this damage can easily avoided be practising basic risk prevention i.e. weather proofing the building BEFORE…
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