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...

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...

At Apio, people are our most important asset! We are fortunate to have a unique mix of highly experienced and skilled, insurance professionals working in our business. Many of our team have years of experience working in the corporate insurance and risk consultancy environment. Others...

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...

As we get edge closer to the end of the tax year, many of us start thinking of ways in which to reduce our tax liability. Some ideas to help us achieve this are to maximize contributions to retirement funds (RA’s) and top up annual...

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...