Most employers like to think of their employees as inherently trustworthy, but employee fraud and dishonesty can have devastating results for a company. Make sure you have the appropriate cover to mitigate your risk, advises Apio director Devon Bishop. In South Africa the risk of commercial...
Saving for your children’s tertiary education – start your education fund yesterday by Mike Wood wealth director at Apio. “The best time to plant a tree was 20 years ago. The second-best time is now” – Chinese Proverb I’ve had to give this a lot of thought in...
Personal Accident Cover provides assistance for accidents and incidents involving employees that fall outside of your Compensation for Occupational Injuries and Diseases (COID) cover. A recent SHA (Specialist underwriters) report stated that only 55% of businesses have income protection insurance in place for their employees. With many...
Mike Wood, director at Apio put these 6 pieces of advice together for young people preparing to enter the workplace. Budget – and then stick to it! Being disciplined in this regard is one of the best ways you can save money and ensure that...
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...