Load shedding is once again an unwelcome reality for South African homeowners. Apio’s Caron Whitfield explains what this means for your home insurance. Load shedding brings with it not only the frustrations of hours without electricity, but the possibility of failing security systems and opportunistic...

Apio director Richard Hood speaks about the risks of political instability during the upcoming election season, and how to mitigate against those risks with the right planning and cover. Every year, famed international insurer Lloyds of London publishes a list of the key risks in territories...

Finding the right Wealth Manager is crucial to your success. The decisions they make with you will have a major impact on your current and future financial position. Therefore, it is extremely important to ask and evaluate your Wealth Manager with the following questions: What are...

We all know the phrase “insurance is a grudge purchase”, but when it comes to your commercial business you need to consider the rewards that come with a properly thought out risk programme that supports your basic insurance covers. So, when do you retain risk and...

There are many rewards to owning your own business, but with reward, comes risk. In order to protect your business it is important to identify the risks that you may face, and working with an experienced broker to identify these risks, is the way to go. Here...

You are travel ready! You have your GPS prepped and ready, you know the route you are taking and the attractions you want to see, don’t forget to prepare your vehicle to be travel ready as well. Here are a few key items on your car...

Your bags are packed and you’re ready to go. But are you? You do not only need your bags, a full tank of petrol and your camera, you also need these items on your pre-holiday checklist: Pre-holiday checklist Check that your insurance covers across border travel. If...

As the holiday season gets closer, we look at the sobering question of driving under the influence of alcohol and drugs. Driving under the influence is illegal therefore if found guilty you can serve up to 6 years in jail, incur fines of up to...

By the Apio Sales Team It is much more exciting to plan your holiday than it is to plan the travel insurance that must go with it. You should, however, consider what would happen if you need to cancel your trip, or if you get sick or...

By the Apio Sales Team Household insurance covers the contents of your home. Often we say that if you had to turn your house upside down, everything that falls out will be covered under this section. Cover under this section can also include: Fine arts and...