Very few people read their policy wording document, which then results in having to face unforeseen challenges. It is when there is a need to claim that missed or misunderstood clauses result in a possible rejected claim. #TeamApio breaks down some instances that could result...

It is that time of year again and now with restrictions in place to combat the spread of COVID-19 this year, a lot of people will travel locally for the December holidays. Apart from ensuring you have a supply of reusable masks and hand sanitiser,...

First published by Momentum Driver’s licence We do not reject claims where a driver’s licence has lapsed but can be renewed without a mandatory driving test. A South African driver’s licence card is the only valid proof that you have a driver’s licence. An expired licence card does not...

Liability Insurance Overview Litigation is a fact of life in South African business. The tough management decisions critical to success in a competitive business environment also carry the risk of unlimited financial liability for both the company and its directors and officers. Companies active in mergers, acquisitions...

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...