#TeamApio recently attended an online presentation by the renowned social media lawyer Emma Sadlier at the Digital Law Company https://www.thedigitallawco.com/. Here is what we learned. When sharing information you need to understand that if you wouldn't put it on a billboard, you shouldn't put it on...

Insurance ensures that you and your family will have financial security should anything unforeseen happen to your goods or property. Reducing or cutting insurance costs often results in a cover or amended terms resulting in unanticipated risks and costs should anything happen to you or...

Opinion by Herman Kellerman, Apio Group I regularly come across clients who ask their “friends” of the family and acquaintances to quote them on their insurance policies. I always wonder if the client has ever really considered the impact if they chose the wrong broker? So, the...

The joys of a rainy and beautiful summer often come with the irritation of finding an infestation of pests (like termites or ants) inside your home, which can sometimes be more than just an inconvenience to remove but can become costly if they cause damage...

By Caron Whitfield, Head of Marketing and Distribution at Apio Group We have all seen the flyers that get put in our post boxes or stuck on the garden gate, advertising tree felling services. Some of us have even tried to cut down an overgrown tree...

Not sure what to do if you have an accident. #TeamApio put this do's and don'ts list together for you. You Must: Immediately stop your vehicle; Ascertain the nature and extent of any injuries and if able to do so render all possible assistance within your...

Before working with an insurance broker, many clients want to know why they should and what the benefits are. #TeamApio lists these points to help you make a decision. A broker provides you with proper and relevant advice, this makes the claims process simple and...

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...

Are you keeping you to date with your home maintenance? If not, you could have a nasty surprise on the next claim against your home insurance. That is not all, you need to keep up to date with your policy conditions and that the renewal...

Very few people read their policy wording document, which then results in having to face unforeseen challenges. It is when there is a need to claim that missed or misunderstood clauses result in a possible rejected claim. #TeamApio breaks down some instances that could result...