Special project delay insurance for special risks
Protection against delays due to riots, looting and more. There are many risks associated with running a construction company. After civil unrest wreaked havoc in South Africa in June and…
No deed goes unpunished
Do your clients support independent contractors? They still need to comply with the Compensation Act. Employing smaller companies as sub- or independent contractors allows businesses more flexibility and allows local…
Notwithstanding the extraordinary surge in cyber crime, PoPIA provides the rationale for cyber liability insurance.
Almost everyone received more than one SMS, email or social media notification regarding South Africa’s new Protection of Personal Information Act (PoPIA) on 1 July 2021. If your client’s company…
Does your homeowner’s insurance cover domestic workers’ injuries?
Domestic workers are a part of our socio-economic fabric. They maintain our gardens, clean our homes and look after our children and our elderly. They do all of those little…
Broker Tip #10: Beware, The Devil in the Detail …
Q:Do insurers classify asbestos roofs as 'Standard' or 'Non-Standard'? Most insurers provide a Definition of Property* in their Schedule of Insurance. Asbestos & Thatch roofs are typically excluded from these definitions. Q:…
Broker Tip #9: Coronavirus & Business Interruption
Q: Is Coronavirus or COVID-19, an insurable event and can your client claim under the Business Interruption section of their commercial policy? In most commercial policies (if selected) Business Interruption…
Broker Tip #8: How Does The Average Clause Work?
What is under insurance and how do we avoid being under insured? Many South Africans assume that if they have a home contents insurance policy in place, they will be…
Broker Tip #7: What is a ‘Material Change’?
A ‘material change’ can be a variety of things and is one that could affect your risk profile. For example: Moving to a new address, a change in your financial…
Broker Tip #6: The Importance of 3rd Party Details for Recovery
A 3rd Party Motor Recovery is initiated by your insurer in situations where you are not responsible for the accident for which you are claiming. If the recovery is successful,…
Broker Tip #5: Cellphone Cover, The Smart Thing To Do
Smartphones are an integral part of 21st century life. Our day starts with the smartphone alarm going off and ends with a chat with family and friends on these versatile…