There’s nothing more frustrating than dutifully paying insurance premiums for years on end, only to have your claim rejected when you need it most. Apio’s Caron Whitfield advises some simple steps to make sure this doesn’t happen to you. Pay your premiums The first step is also...

Cyber attacks on companies are far more common than you’d imagine – and can expose companies to significant reputational and financial harm. Apio director Richard Hood offers some advice on mitigating the likelihood through robust risk management and the appropriate cover. Cyber risk is rapidly becoming...

Not everyone has the desire or the means to collect art, antiques and collectibles, but for those who do, insuring these sometimes almost priceless objects can be a headache. Apio’s Kevin Blackmore gives some guidance on where to start. When you’re a collector, whether it’s art,...

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...

No insurance is like not having a parachute when you need it; chances are you will never need it again. Just because you already have life insurance doesn’t mean you can ignore it. And in tough times, resist the urge to cut that cost from...

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’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...

With more companies expanding their operations in Africa, the risk of kidnap and ransom is real. Apio director Richard Hood discusses why more companies need to consider the worst-case scenario for travel in high-risk areas, and plan accordingly. With a local economy in the doldrums, it’s...

Apio’s Francis Kingston talks about why credit insurance is worth considering in an unpredictable economy, and the benefits it offers business owners with a debtor’s book. Any business that sells on credit has a debtor’s book that could range between one and 10 000 debtors – clients...

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...