OLEA Insurance Solutions, a pan-African specialist in insurance markets, is accelerating its expansion on the African continent by setting up in South Africa. Recently the company announced its acquisition of a majority stake in the APIO Group, a boutique financial services business based in Johannesburg...

With the introduction of high definition, digital cameras and lenses as well as the ability to filter just about anything on our smartphones, everyone can be a good photographer! But when your passion for photography leads to an additional income stream, or if you choose to...

There are many legal liability risks facing a business, one of these is navigating the minefield of renting property as a business owner.  A typical business policy provides Public Liability insurance, which includes Tenants Liability; specifically designed for businesses that rent commercial property. This provides coverage...

Richard Hood, Co-Founder & Director at The Apio Group looks at how the company has pivoted and grown in the new world since March 2020 with the arrival of the coronavirus and lockdown. COVID-19 has turned the insurance world upside down placing an industry that largely...

Assess your risk for POPIA Just because the business is small does not mean that it is low risk from a POPIA perspective. Some products or services are inherently invasive (e.g. lead generation, profiling and unsolicited direct marketing). They are high risk because their clients will...

By Harry Kellerman and Richard Hood Commercial Business Insurance products are evolving, with specialist products which used to be underwritten on a stand-alone basis such as Cyber Liability, Directors and Officers, Contractors All Works, Machinery Breakdown now being included in general Business insurance offerings, as an...

Risk management is perceived by most people as simply buying insurance. As a result, many companies take out insurance assuming they will be protected from all the risks that they face. As Covid-19 has demonstrated, this approach is a rapidly eroding model that doesn’t take...

You've heard a lot about the increasing cyber threat and have considered insurance, but what exactly does it all mean. #TeamApio unpacks some of the terminologies here and measures to take to protect yourself. Identity theft Criminals can steal your identity by obtaining information about you so...

Liability Insurance Overview Litigation is a fact of life in South African business. The tough management decisions critical to success in a competitive business environment also carry the risk of unlimited financial liability for both the company and its directors and officers. Companies active in mergers, acquisitions...