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...
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...
By Somthemba Makinana, Specialist Guarantees & Credit The best position that anyone wants to be in is a convenient one. We live in a digital and very technologically advanced world because of the strife of reaching maximum convenience for people. No one wants to lift a finger...
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...
The tax year-end is fast approaching us and there is still some time to pro-actively manage your current and future tax burden. The Apio Wealth team have jotted down some annual tax benefits available to you. Retirement Annuity Contributions – Top Up It’s important to ascertain whether...
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...
Active managed funds Actively managed funds are funds in which portfolio manager(s) take a hands-on approach in the buying, holding, selling, selection and weightings of assets within a fund with the goal outperforming a given benchmark. Passively managed funds A Passively managed fund is a fund designed to...
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...
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...