The Apio Group are proud to announce their partnership with new independent majority black owned insurance advisory business, Gedarisk, whose vision it is to enhance the transformational efforts of the South African insurance industry. “With the business landscape evolving in South Africa, Gedarisk is poised to...

We recently received a very distressed late-night call from a client who reported that her house was on fire. Luckily, she had managed to get out with the family and their pets. She sent a video clip from her phone and explained how quickly it...

Somthemba Makinana, Guarantees and Credit specialist at Apio, looks at bank guarantees versus insurance guarantees in the current climate. Industries, especially construction, mining, fuel, logistics and renewable energy, functioned differently when it came to risk when we had not only a stable economy but also a...

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...

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 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...

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...

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...