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...

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...

Event insurance is a must for anyone planning an event that the public will pay to attend, says Apio’s Caron Whitfield. When global star Sam Smith recently had to cancel his Cape Town concerts due to vocal strain, the first thing mentioned was how to get...

Apio’s Francis Kingston discusses the distressed state of the construction industry, and the risk it poses to businesses and insurers. Anyone who follows the news will know that the South African construction industry is in a dire state, with prominent listed companies entering business rescue and...