We don’t insure everything. We insure what we understand deeply.
All policies structured through our licensed broker partner, Clanfin, and reviewed bi-annually. Every programme is stress-tested against your actual risk profile — not templated from a generic proposal.
Transport & Fleet
The average SA fleet operator is underinsured on goods-in-transit by 40%. We structure programmes that cover the gaps most brokers do not audit — GIT limits, hijacking extension, cross-border exposure, and business interruption for logistics downtime.
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Fuel & Environmental
A single fuel spill can generate R10 million in remediation costs and regulatory penalties. We structure environmental liability, storage facility cover, and distribution risk for fuel companies who cannot afford a gap in their programme.
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Agriculture
Crop failure, livestock mortality, equipment breakdown, and environmental liability from dairy operations. Agricultural insurance in South Africa requires a broker who understands the land, the climate, and the economics of farming at scale.
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Game Lodges & Hospitality
Guest liability, wildlife mortality, property damage in remote locations, and business interruption from load shedding or access road failure. We cover what the standard hospitality policy misses.
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Commercial Property
Tenant liability, fire risk in a country with failing municipal hydrants, business interruption for shopping centres, and the infrastructure failure exposures that no traditional policy was designed to cover.
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Industrial & Manufacturing
Machinery breakdown, product liability, and the cascading business interruption risk that hits when a production line stops. We structure cover for dairies, factories, and vehicle manufacturers who need precision, not a generic policy.
Learn more →Cell-Captive Insurance: Own Your Risk Pool.
Most businesses pay premiums to an insurer and never see that money again. A cell-captive structure changes that equation. Through a ring-fenced cell within a licensed insurer, your business co-invests in its own underwriting risk. Unused premiums are reinvested, not retained by a third party.
✓ Partial premium co-investment (60% founders / 40% client)
✓ Unused premiums reinvested into equity or commodity funds
✓ Full transparency into loss experience and claims performance
✓ Suited for businesses with larger annual premium volumes
Find Out What Your Broker Missed.
A free audit. A written report. No obligation.
Or call: +27 60 579 0930