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Vitari Insights

Blog & Research

Research-driven perspectives on the forces reshaping commercial insurance in South Africa and across the continent.

March 2026 · Vitari Insights

The Fleet Insurance Buying Guide: What Every South African Logistics Company Needs to Know Before Their Next Renewal

Your fleet policy is almost certainly not doing what you think it is Commercial fleet insurance is the most widely held and least well understood…

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March 2026 · Vitari Insights

How to Switch Commercial Insurance Brokers in South Africa — Without Losing Cover or Your Mind

The conversation nobody in the industry wants you to have Switching commercial insurance brokers in South Africa is one of the most valuable decisions a…

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March 2026 · Vitari Insights

From Strategy Decks to Execution Discipline: What the Kearney Report Means for Every South African Insurance Client

South Africa's insurance moment has arrived — but closing the delivery gap requires a fundamentally different kind of broker.

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March 2026 · Vitari Insights

Nuclear Verdicts, Social Inflation, and the Liability Time Bomb Ticking Under South African Businesses

Global litigation trends are crossing borders — and South Africa's commercial liability market is not immune to nuclear verdicts and social inflation.

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March 2026 · Vitari Insights

The AI Underwriter: How Artificial Intelligence Is Remaking Commercial Insurance From the Inside Out

Continuous underwriting, predictive risk selection, and the end of the annual renewal as we know it — how AI is remaking commercial insurance.

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March 2026 · Vitari Insights

Parametric Insurance: The Radical Rethink That Could Close Africa’s Catastrophic Protection Gap

When the rain falls past the trigger point, the money moves — no assessors, no delays, no disputes. How parametric insurance could close Africa's protection…

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March 2026 · Vitari Insights

Cell Captives Unbound: Why South Africa’s Most Powerful Insurance Structure Is Going Mainstream

From niche risk-financing tool to strategic growth engine — why forward-thinking South African businesses are embracing cell captive structures.

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March 2026 · Vitari Insights

The Deepfake Deception: How AI-Fabricated Evidence Is Rewriting the Rules of Commercial Insurance Claims

Why every South African CFO and risk manager needs to understand deepfake fraud — the fastest-growing fraud vector in insurance history.

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February 2026 · Vitari Insights

Embedded Insurance Is Coming for Traditional Distribution — And South Africa Is Accidentally Ready

South Africa's cell-captive and binder-holder infrastructure gives local insurers a head start in the $950 billion embedded-insurance revolution.

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February 2026 · Vitari Insights

The Cyber Insurance Tipping Point: Why Africa’s 5% Penetration Rate Is Both a Crisis and an Opportunity

Cyber threats are costing Africa 10 per cent of GDP annually while cyber insurance penetration sits below 5 per cent.

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VITARI

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