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...

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...