UMA Directory 2012 by COSA Media

the

Your 2012 Guide

Directory 2012 Your A-Z guide to specialist insurance products and providers

UMA Directory 2012

contents foreword

THE voice of umaâ&#x20AC;&#x2122;s

the need for specialist expertise

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F-G

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H-J

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K-L

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M-o

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INDEX

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INDEX OF UMA

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UMA Directory 2012

UMA Directory is published by:

(A division of COSA Communications (Pty) Ltd) www.comms.co.za

PO Box 60320, Table View, 7439

Ground floor, Manhattan Tower, Esplanade Road, Century City, 7441 Tel: 021 555 3577 | Fax: 086 618 3906 | www.umadirectory.co.za

Publisher and editor Andy Mark Managing editor Nicky Mark

Editorial enquiries Tel: 0861 555 267 Fax: 086 618 3906 E-mail: uma@comms.co.za Website: www.umadirectory.co.za

Advertising and sales Assitant editor Lize van Coeverden Copy editor Margy Beves-Gibson

Tel: 021 555 3577 Michael Kaufmann | michaelk@comms.co.za Blake Dyason | blake@comms.co.za Riccardo Raciti | riccardo@comms.co.za

Design and layout Dries van der Westhuizen Robyn Schaffner Gareth Grey

Copyright COSA Communications (Pty) Ltd 2012. All rights reserved. Opinions expressed in this publication are those of the authors and do not necessarily reflect those of the Publisher, Cosa Communications (Pty) Ltd and or COSA Media. The mention of specific products in articles or advertisements does not imply that they are endorsed or recommended by this journal or its publishers in preference to others of a similar nature, which are not mentioned or advertised. While every effort is made to ensure accuracy of editorial content, the publishers do not accept responsibility for omissions, errors or any consequences that may arise therefrom. Reliance on any information contained in this publication is at your own risk. The publishers make no representations or warranties, express or implied, as to the correctness or suitability of the information contained and/or the products advertised in this publication. The publishers shall not be liable for any damages or loss, howsoever arising, incurred by readers of this publication or any other person/s. The publishers disclaim all responsibility and liability for any damages, including pure economic loss and any consequential damages, resulting from the use of any service or product advertised in this publication. Readers of this publication indemnify and hold harmless the publishers of this magazine, its officers, employees and servants for any demand, action, application or other proceedings made by any third party and arising out of or in connection with the use of any services and/or products or the reliance of any information contained in this publication. Please note while every effort has been made to ensure the accuracy of this directory, the publishers cannot be held responsible for any error or ommisions. If you have any suggestions on how to improve this guide, kindly email editor@comms.co.za

UMA Directory 2012

Specialist in engineering and contractors all risks.

Specialist in partly insured funded heavy commercial vehicle insurance.

FSP License Number: 20816

FSP License Number: 21974

Specialist in medical insurance for pets.

Specialist in equine, wildlife, livestock and canine insurance.

FSP License Number: 9844

FSP License Number: 22338

Specialist in agreed value motor insurance. FSP License Number: 15491

UMA Directory 2012

Specialist in insurance of 4x4 and other “outdoor toys”.

Specialist in taxi insurance.

FSP License Number: 39547

FSP License Number: 11318

PERFORMANCE GUARANTEES

Specialist in transit and carrier liability.

Offers a comprehensive suite of guarantee products.

FSP License Number: 2565

FSP License Number: 15491

OUR QUALITY UMAs ANOTHER REASON WHY RENASA IS THE BROKER’S BEST FRIEND

Renasa Insurance Company Limited is a registered financial service provider (license number 15491).

UMA Directory 2012

foreword In 2011, the RISKSA team was proud to unveil the first edition of the UMA Directory – the only publication of its kind in South Africa. We learned a lot of valuable things from such an ambitious project and the result has been a more streamlined and refined UMA Directory 2012. Not every Tom, Dick or Harry with an idea for a specialist underwriting agency is able to make his business fly, but we are encouraged by the continued growth and scope for expansion in the industry. We hear from Tersia Davey, who ruled the roost at the South African Underwriting Managers Association (SAUMA) for the past four years, as well as the new chairman, Rory Gainsford (page 12). Both have given valuable insight into the industry and the role of SAUMA in this dynamic environment. We also take a closer look at the UMA business model with input from Compass Insurance, a specialist short-term insurer operating exclusively through UMAs (page 21). These articles not only show us the industry from the inside, but they also provide tips for entrepreneurs and brokers wanting to establish or work with a UMA. For entrepreneurs aiming to enter the market in the next year or for brokers wanting to specialise in a particular niche, the UMA Directory is an invaluable tool. Finally, we bring you the directory, categorised and alphabetised for convenience. There’s an index to help you find the different categories easily (if colour-coding the alphabet isn’t enough) and we’ve also introduced another index where the UMAs are sorted by name so that you can easily find a particular UMAs details and/or different sections of the industry in which they are active. We hope and trust that this directory will prove to be a useful tool for you in 2012. As always, we welcome your feedback and if somehow we missed you in our efforts to compile this directory, please e-mail uma@comms.co.za to ensure we see you in the next edition in 2013. Andy Mark

Hello World 3621

Steven Spielberg Alfred Hitchcock

F i l m D i r e c tor s

Imagine the possibilities if the right partnerships were made. Partnerships that connect like-minded businesses, enabling them to offer a wide range of specialised commercial and life insurance. L o m b a rd I n s u r a n c e b e l i e v e s i n t h e s e p o s sibilities and the p a r t n ershi ps t hat m ake t h e m a re a l i t y. P a r t n e r i n g w i t h p o s s i b i l i t y, e v e r y d a y.

C 3 | Consort | HCV | FMI | F&I | Leppard | PinnAfrica | UMS Lombard Insurance Company Limited and Lombard Life Limited are licensed Insurers and Authorised Financial Services Providers (FSP 1596)

w w w. l o m b a rd i n s . c o m

UMA Directory 2012

THE VOICE OF UMAs Tersia Davey was the chairperson of the South African Underwriting Managers Association (SAUMA) for four years and bowed out at the end of 2011 to make way for Rory Gainsford. We asked Tersia to talk to us about the role of SAUMA and what’s new and what’s on the cards for 2012.

UMA Directory 2012

Tersia Davey

Rory Gainsford

SAUMA now more than ever the voice of the UMA

AUMA was established in 1999 with the aim of representing the niche underwriting fraternity in the local insurance industry. Some 13 years later, the association is the voice of the majority of underwriting management agencies (UMA) in South Africa with more than 80 members. Over the past four years, the association has become a force to be reckoned with and is a proactive participant to and powerful voice in the industry. It is now playing an active part in influencing decisions on legislation at the highest level, as well as contributing in other spheres where it represents the interests of South Africaâ&#x20AC;&#x2122;s UMAs. Close relationships have been forged with other prominent industry bodies such as the South African Insurance Association (SAIA) and the Financial Intermediary Association (FIA). SAUMA is also represented at the Financial Services Board

(FSB). Regular contact with both the FAIS and Short-term Insurance Ombudsman in the last few years means members are kept up to date with the settlement of claims, legislation and regulatory matters. These powerful connections have afforded members the opportunity to be included and heard in all industry-related initiatives. It has also given them the opportunity to improve their products and services as a result of constant feedback. Whatâ&#x20AC;&#x2122;s new at SAUMA In September 2011, SAUMA established an associate member forum. The eight new members are Centriq, Compass, Guardrisk, Hollard, Lireas Holdings, Mutual & Federal, RMB Structured Insurance and Santam. The aim of the forum is to establish a close working relationship with insurers in order to address the specific needs of the UMA; to make sure that industry information and important decision-making between the principle and the UMA are shared; to build a

UMA Directory 2012

strong network and support structure between the principle and the UMA; and to create a platform where both the principal and the member can voice any industry concerns, queries or recommendations. Prospects for 2012 In 2012, SAUMA will continue to encourage its members to bring their product offering in line with new legislation and regulations of the FSB. It will also proceed to influence new binder regulations and remuneration structures in order to benefit the UMA. The association’s aim is to grow its membership and keep adding value to the industry. It will also strive to build on existing relationships to make them even stronger. The future of UMAs SAUMA is of the opinion that there will be more underwriting managers in South Africa in future. The gap in the market offers prospective UMAs to improve on existing products. New legislation also stipulates that entities must either be an insurer, a broker or a UMA. In the past, small brokers also acted as UMAs. This practice will, however, not be allowed in future. 14

UMA Directory 2012

A word from the new chairman Rory Gainsford is the executive chairman of Hospitality Industrial and Commercial Underwriting Managers (Pty) Ltd and Thatch Risk Acceptances and serves on the boards of a number of other UMAs. His career in the insurance industry spans just over 40 years and now he has taken the reins of SAUMA. “I think that Tersia has done a fantastic job for SAUMA. I certainly do not see any need to change anything dramatically and hope to continue building on the foundation that Tersia and numerous other people have already laid. I hope that SAUMA will be able to continue adding value to its members and will also look for new ways to add further value. I also hope to continue improving SAUMA’s brand and image and for it to become more relevant in the insurance industry. It is my wish that SAUMA develops closer working relationships with SAIA, FIA and the FSB.”

UMA Directory 2012

Why do we need UMAs? An underwriting management agency acts on behalf of a registered insurer to underwrite and administer specialised classes of business. These specialised insurance classes include, for example, aviation, liability, engineering, transport and marine. UMAs operate through intermediaries or brokers. The insurance experts at UMAs have the skills and knowledge to provide the correct cover at the right price for specific insurance requirements. They are in constant contact with their target market to learn more about their daily activities and liabilities. These underwriters provide the business environment or industry with specialised insurance knowledge. In turn, the various industries offer valuable insight into their specific risk profiles in order for the UMA to adapt its policy wordings to really meet the needs of their clients. Marine underwriters, for example, must have knowledge of international marine laws and bylaws, the marine world and piracy, especially along the South African coastline. UMAs also form close alliances with industry associations. For example, if it underwrites schools, it would build relationships with school governing bodies and the Department of Education.

So you want to set up a UMA? You’ve identified a niche and you think you can make it work, but what do you do now? If you want to set up a new UMA, here are a few tips from SAUMA: • Compile a business plan: This plan includes a market analysis and product description. • Develop documents: The underwriter must put in place a policy wording, excess structure and underwriting guidelines or a manual. • Apply to the FSB: When the above is in place, the underwriter must apply to the FSB for a Financial Services Provider (FSP) licence in the correct category. • Find a risk carrier: Once the licence is approved, the underwriter needs to find a risk carrier or principal. This will require some homework and investigation. • Negotiate terms: Once an agreement has been reached between the underwriter and insurer, they will jointly negotiate the terms and conditions of their underwriting agreement. For more information on how to become a SAUMA member or how to create a UMA, visit www.sauma.org.

UMA Directory 2012

â&#x20AC;&#x153;By concentrating on a specific niche, UMAs were able to understand the needs of their customers in a way that in many cases was simply not possible previously.â&#x20AC;?

UMA Directory 2012

The need for

he underwriting management agency (UMA) model in South Africa has grown substantially over the last two decades. It has reshaped the local insurance industry through the development of innovative new insurance products catering to segments of the market that more generalist insurers tended to avoid. The emergence of this business model was vital for the local industry, said Dean Delport, executive: insurance at Compass Insurance, a specialist short-term insurer operating exclusively through UMAs. The entrance of UMAs in the late 1980s was largely in reaction to falling service levels in the local insurance market. There was a growing need for specialised and niche product offerings that either weren’t being offered or weren’t properly understood by insurance companies. By concentrating on a specific niche, UMAs were able to understand the needs of their customers in a way that in many cases was simply not possible previously. General insurers were often unable to effectively focus on certain insurance sectors, due to a general lack of expertise as well as the complexity of the product required. Today, as you will see in this directory, there are a wealth of UMAs in South Africa catering for a wide range of needs from film and entertainment insurance to guesthouses and goods in transit. By focusing on a key niche product offering, these UMAs are able to provide superior service levels that are highly focused on the specific needs of their target market. Because of this expertise, they are not only able to provide insurance that general insurers would rather avoid, but through correct pricing models can also generate the right risk premiums for the risk involved. It is important to note, however, that a UMA can act only on behalf of its carrier – the

insurer – and is restricted to dealing through a broker network and is not able to deal directly with the consumer. The UMA model is ideal for those brokers who are looking to tap into niche areas, said Delport. UMAs deal with the same kinds of claims every day – whether that is a focus on medical malpractice, game farming or bicycles – so they can provide the broker with expertise in what can be highly complex areas of insurance. The expertise made available to a broker through these channels allows them to advise their clients properly of the risks they face and, through the right policy and premium, can ensure that they have an effective risk management strategy in place. While some entrepreneurs have been very successful in recognising opportunities to form UMAs, there have also been a number of failures, due to an improper understanding of the business model. As such, partnering with the right agency may be a crucial starting point to be able to work in a particular niche. One of the key factors for a broker to keep in mind is the skill set of those working at and running the UMA. “The experience and expertise of the people within the UMA is essential to its success as they must understand the needs of their chosen niche and be able to provide a quality product that can cater uniquely to this target market,” said Delport. It is also vital for a broker to know the sustainability of the UMA. “Firstly, one should be aware of the strength of the carrier that supports the UMA (e.g. its claims paying ability), as well as the reputation of both the UMA and the insurer, particularly with regard to service levels both in underwriting and claims.”

UMA Directory 2012

“While some entrepreneurs have been very successful in recognising opportunities to form UMAs, there have also been a number of failures, due to an improper understanding of the business model.”

Keys to success According to Lireas Holdings, a specialist investor in underwriting managers, the key to operating a successful UMA is building sustainable long-term partnerships with the chosen business partners. A number of key factors essential to building these relationships are as follows: • Providing expert underwriting knowledge and skills in a particular class or niche market. • Strong business acumen and strategy – vision, innovation, agility, adaptation and responsiveness. • Understanding of customer and market requirements. • Good balance between entrepreneurial spirit and solid administrative and corporate governance principles. • Identifying the right partners across the entire business chain by reviewing: o Shareholders or equity partners o The risk carrier o Product distribution channels o Technology platform or system providers o Claim administration partners or service providers o Reinsurers o Other administration function providers, such as accounting, legal and compliance. • Prudent underwriting and claims management philosophies. • Superior client service. 22

UMA Directory 2012

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UMA Directory 2012

In partnership with

insurance entrepreneurs

who are

specialists

in their fields

An ServicesProvider Provider An Authorised Authorised Financial Financial Services FSP35914 35914 FSP

Specialist Underwriters

Car Hire Bed & Breakfast & Guesthouse Industry Watercraft

Aviation Bloodstock & Sport Horses

Credit Shortfall

Tourism, Hospitality & Entertainment

Vehicle Warranty, Maintenance & Service Plan Specialists

Classic & Executive Motor

Tax Risk Insurance

Landlord Protection

All Specialist Underwriters are Authorised Financial Services Providers

UMA Directory 2012

The letter A

5. Absa has one of the largest art collections in South Africa consisting of over 20 000 pieces by local artists.

6. Art should always be purchased from a reputable gallery or dealer and evidence should be provided that the piece is indeed the original it is purported to be.

7. Moses Tladi (1903 – 1959) was the first black artist to formally exhibit in South Africa. Two oil paintings and six drawings under the title ‘Special Exhibit by Native Artist’ were exhibited at the Selbourne Hall, Johannesburg, in 1938. His inspiration came from the garden where he worked.

A - 10 facts about art, antiques and collectibles 1. Investigators have in recent years discovered over 30 forgeries of the work of the late South African artist, Frans Claerhout. 2. One of the most expensive antiques ever auctioned was a Pinner Qing Dynasty vase from China, dating back to around 1740. The vessel was sold for an astronomical £53 million in the UK in 2010. 3. The most famous painting in the world, Leonardo da Vinci’s Mona Lisa was stolen from the Louvre in 1911 by a workman. The painting was missing for two years before it was recovered. 4. In 1990, two men dressed as policemen stole $300 million worth of paintings from the Boston Museum. 30

UMA Directory 2012

9. The authenticity of a painting can be determined based on stylistic analysis, objective tests of the ageing of the materials and advanced scientific methods such as infrared reflectography. 8. The works of Pablo Picasso and Vincent van Gogh are among the most highly valued paintings in the world today. Picasso became an affluent man, but ironically, Van Gogh sold only one painting during his lifetime.

10. One of the most prolific art forgers of the 20th century was the exceptionally talented Elmyr de Hory. He claimed to have sold over 1 000 forgeries during his 30-year career as an art forger.

UMA Directory 2012

Agricultural and farming

African Rand Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 731386, Fairland, 2030 Website: www.africanrand.com Phone: +27 (0)11 678 1354 Fax: +27 (0)86 685 9120 E-mail: dion@africanrand.co.za Product information: AGRInSURE is a complete farm insurance product that the client can depend on to protect their dwellings, personal contents, farm buildings, machinery, equipment, livestock, and provide farm liability coverage. AGRInSURE is a self-contained policy, flexible in design and applicable to a variety of agricultural insurance needs. It’s not a homeowners’ or commercial policy stretched to fit the typical farming operation. Instead, AGRInSURE policies are designed with the client in mind, and the coverage is written specific to farming risks. African Rand is underwritten by Western National Insurance Company and exceptional claim service is guaranteed.

UMA Directory 2012

In addition to the typical commercial and domestic covers offered, the policy is extended to provide cover specifically for the farmers. This includes: • Special provisions with reference to livestock. • Pumps and electric motors. • Irrigation pipes and pumping equipment. • Hammer mills. • Property in the open. • Spray irrigation systems on wheels and centre pivots. • Paddock and boundary fences. • Damage to water tanks and water apparatus. • Produce and livestock in transit. • Droving and escaping of animals and stray animals. • Spreading of fire. • Various farming-related risks to motor vehicles. Contact us for all of your farming assets and livestock insurance requirements.

Agricultural and farming A

Alternative Commercial Acceptances (Pty) Ltd Postal address (head office): PO Box 504, Fauna Park, Polokwane, 0787 Website: www.acaselect.co.za Phone: +27 (0)87 808 5040 or +27 (0)87 808 5599 Fax: +27 (0)86 620 0174 E-mail: leon@acaselect.co.za or francois@acaselect.co.za FSP number: 39835 Product information: A.C.A. is a registered financial services provider with an underwriting arrangement with Western National Insurance Company Ltd. Commercial lines: We write all general lines of short-term insurance, with preference to commercial business (small to medium industries).

Hospitality lines: We are able to write hospitality business, lodges, hotels, game and hunting farms, guesthouses and related risks. Personal lines: We have a very competitive personal lines product with a well-balanced rating approach to the risks that we would like to acquire. Farming lines: We can provide a wide range of covers that will cater for the needs of commercial and bona fide farming entities. Niche product: Our Turtle Iâ&#x20AC;&#x2122;Cover product is a market first, where we are breaking boundaries to extend existing clients cover to ensure that they are not left with a shortfall when experiencing a claim. See our product-specific details under Niche GAP cover and Specialised domestic insurance at www.turtlecover.co.za. UMA Directory 2012

Agricultural and farming A

Etana Insurance Physical address (head office): 145 Voortrekker Street, Malmesbury, 7300 Website: www.etana.co.za Phone: +27 (0)22 482 1694 E-mail: andrew@etana.co.za Product information: Our agri team offers intermediaries the total back-up package they need to get the competitive edge: hands-on agri expertise; personal knowledge and passion for the agricultural sector; top technical support; service levels that are the highest imaginable; and personal and face-to-face extended service through Etana’s ‘local is lekker’ branches countrywide. Etana agri policies and wording are uniquely designed to meet the specialist Landmark Underwriting Agency Physical address (head office): 1st floor, Westdene Centre, cnr 1st Avenue and Reid Street, Westdene, Bloemfontein, 9301 Postal address: PO Box 1941, Bloemfontein, 9300 Phone: +27 (0)51 430 3371 Fax: +27 (0)51 447 2463 E-mail: gert@landmark-ua.co.za Product information: Landmark UA’s policy covers the following risks: livestock – various cover options including electrocution and accidental death by dogs and wild animals, death following sickness and impotency; fodder stored in buildings and in the open; pedigreed/registered farm dogs; spread of fire cover options; products liability; cover against bursting and overflowing of dams; droving of animals; animal trespass; warehousemen’s liability; house owners and home contents; stress cover following a total loss; landscape cover; post-trauma counselling; labour relations advice cover; visitors’ medical expenses following injury caused by any animal; domestic veterinary expenses following a road accident; cover against loss or damage of all farm vehicles, 34

UMA Directory 2012

and comprehensive short-term needs of all who operate in the agri sector. Additional exclusive client savings and benefits: • Etana Agri uniquely delivers blanket cover for fire with no costly add-ons needed. • Material damage and financial losses are combined on seasonal products in ways that benefit your clients. • Flexible cover in each section allows us to create a perfect fit for all agri policyholders. • Contrary to market norms, our liability product automatically includes additional benefits at no cost: products, EC, work away from premises, droving/escaping animals and spread of fire to other plantations.

Agricultural and farming implements and irrigation equipment including loss of use of private cars/combines and tractors; large tyre cover for farming vehicles; emergency overnight accommodation; loss of valuable electronic data as well as other risks. Who is the typical client for this product? The owner or manager of a farm seeking tailormade short-term insurance for all personal and agricultural needs. Why Landmark? Landmark consists of a dedicated knowledgeable team who has many yearsâ&#x20AC;&#x2122; experience in the underwriting of farmersâ&#x20AC;&#x2122; short term insurance needs and who understands your business. Our only business is the underwriting of the assets and liabilities of farmers and we market our product through established brokers with whom we have a long-standing relationship and who understand your business and are consistent and well established in your area. Landmark UA is an authorised Financial

Services Provider (FSP number: 12654), an underwriting manager on behalf of Compass Insurance Company Limited.

Art, antiques and collectibles

Artinsure (Hollard) Postal address (head office): PostNet Suite 243, Private Bag X30500, Houghton, 2041 Website: www.artinsure.co.za Phone: +27 (0)86 111 1096 Fax: +27 (0)86 678 0333 E-mail: info@artinsure.co.za Product information: Artinsure is a specialist underwriting manager focused on the insurance needs of the art, antiques, collectables and valuables world. Together with our specialised products and professional claims service, Artinsure offers an international network of valuers, restorers and conservators. With over 25 years’ experience, Artinsure prides itself on being South Africa’s leading art, antiques, collectables, valuables and photographer insurance specialist. We offer clients choice, personalisation and flexibility in insuring their precious items and assets. Artinsure has pioneered a specialised product for the photographic market – Artinsure Photographer. Until the introduction of Artinsure Photographer, there has been no comprehensive insurance product for professional and enthusiast photographers or videographers. Many photographers are not aware that most policies are not comprehensive and do not offer full coverage due to the specialist nature of their equipment. In fact an ordinary all risk policy will not cover the normal risks that photographers encounter and could leave them exposed and out of pocket. True to our core value-added offerings, Artinsure Photographer offers expert advice and knowledge of the photography market, specialist repairs and replacement, as well as a tailored offering to meet the unique needs of the market. See also Photographic equipment. 36

UMA Directory 2012

Aviation

Ad Ultimum Outsourcing (Pty) Ltd Postal address (head office): PO Box 9857, Centurion, 0046 Website: www.adultimum.co.za Phone: +27 (0)12 345 5052 Fax: +27 (0)12 345 2676 E-mail: info@auo.co.za FSP number: 8273

• All risk cover for the contents of the house. • Full subsidence and landslip cover for house contents and house owners. • Personal accident cover for clients over 70 years, and extended personal accident. • Trauma cover after armed robbery. • Breast and HPV cancers.

Product information: Ad Ultimum provides affordable, tailor-made products for individuals and/or groups.

Through Ad Ultimum Outsourcing (Pty) Ltd, short-term insurance brokers can become the irreplaceable and most important link between the policyholder and the insurance underwriter. Ad Ultimum can provide a comprehensive allround service to brokers and underwriters to ensure they have a competitive advantage. Ad Ultimum is a short-term insurance outsource company managing the underwriting, administration and claims of personal lines, commercial insurance and group schemes on an efficient insurance system. Our main objective is to assist companies to function more independently and to be able to have sufficient control on all levels. Independence and control imply the ability to keep accurate records, statistics, facts and figures, as well as collection of premiums directly from policyholders. We provide an Internetbased insurance solution utilising browser technology. The solution facilitates access via both the Internet and the traditional digital data networks.

Commercial insurance: Includes: • General commercial insurance for small, medium and large business ventures across the board. • Competitive rates with individual underwriting which makes our commercial product unique. • Extended public liability (CUP) cover. Extensions: Motor hire, top-up, excess waiver for private-type vehicles under the motor section of the policy. Add-ons: Roadside assistance for mechanical and electrical breakdowns or when a collision has occurred for private-type vehicles. Personal short-term insurance: Includes: • All personal effects, tailor-made to individual needs.

Independent Aviation Underwriters (Pty) Ltd Postal address (head office): PostNet Suite 110, Private Bag X1, Edenglen, 1610 Website: www.iau.co.za Phone: +27 (0)11 452 6200 Fax: +27 (0)86 606 9741 E-mail: claire@iau.co.za

Product information: Providers of aviation insurance

UMA Directory 2012

Aviation A

Santam Aviation Website: www.santam.co.za Phone: +27 (0)11 912 8405 Fax: +27 (0)11 268 6268 E-mail: aviation@santam.co.za Product information: Santam Aviation is South Africa’s longest established aviation insurer specialising in products which include:

UMA Directory 2012

• Corporate aircraft • Private owners and sport classes • Charter operators as well as aircraft owners and operators’ liability • Experimental aircraft • Deductible insurance • Agricultural aircraft • Gliders

Aviation SA UNDERWRITERS Postal address (head office): PO Box 3606, Randburg, 2125 Website: www.sauonline.co.za Phone: +27 (0)11 777 7200 Fax: +27 (0)11 777 7320 E-mail: info@saunderwriters.com Product information: SAU offers a selection of stand-alone motor products and personal lines products, tailored to address the suitability and affordability of your clients. Our product offering has a wide range of available choices, whether it is our Drive Rite Behavioural Drivers policy, our Core Cover policy or any one of the many other choices. At SAU we believe that we offer the best possible value for money, which means the best return, safety and security for the money the client is paying for their insurance. Our policies also offer a choice of excess structures, such as our Flat Excess policy, and clients can choose the excess suitable for them. SAU also has a full commercial lines offering, including our commercial standalone LDV policy for the busy contractor or entrepreneur. SAU is also able to offer a comprehensive range of value-added products

A and services to aid in client retention and experience through our underwriters. SAU is a fully intermediated business that does not compete directly in the market. SAU has the ability to manage all administrative functions, including claims, on behalf of the broker and the insurer, thus making us a market leader as an underwriting manager in the field of personal lines, motor insurance and commercial lines business. Our quoting system, Flashquote, is the fastest way to obtain a quote in seconds. Contact us to join SAU as a broker and let us take care of the loss ratio and the hassle of the administration. Let us care for your client with the best service available. SAU is committed to providing unconditionally good service and to offer our sympathy and support within the terms of our policy wordings and agreements. We are dedicated to the fairest possible settlement of all valid claims within our policy terms.

UMA Directory 2012

The letter B

5. Lipizzaner horses are the breed most famous for non-competitive show jumping performances.

1797 The year horse racing became a popular sport in South Africa.

B 7. Today, the Durban July Handicap is one of the most popular events on the South African social calendar. The event took place for the first time in 1897.

B â&#x20AC;&#x201C; 10 facts about bloodstock

1. At the June 2011 Cape Mare and Weanling Sale, 103 horses changed hands at an average price of more than R50 000, with the most expensive horse fetching a price of R530 000 on the day. 2. Archaeological records indicate that horse racing occurred in ancient Babylon, Syria and Egypt, and ancient Rome and Greece were well known for chariot and mounted horse racing. 3. Thoroughbred racing was popular with the aristocrats and royalty of British society, earning it the title Sport of Kings. 4. The Arabian horse was developed by the Bedouin people of the Middle East specifically for stamina over long distances, so that they could outrun their enemies. 40

UMA Directory 2012

8. When insuring horses, their previous medical history is taken into account.

9. Between the 1970s and 1990s, in a series of insurance fraud cases, a number of horses were murdered in the United States of America in a bid to claim against their insurance.

10. The Green Monkey is one of the most expensive horses to date. He was sold at auction in 2006 for US $16 million and was retired two years later after winning only about US $10 000 in prizes.

UMA Directory 2012

Bankers blanket bonds

Bankers blanket bonds B

Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions to a broad spectrum of industries in South Africa. Camargue’s unique product offering uses the M3 principle. This is to manage, mitigate and migrate critical business risks. The company was founded in 2001 to meet the rapidly changing risk transfer needs of businesses operating in Southern African. Some of our products include: • directors’ and officers’ liability • employment practice liability • pension fund trustee liability • Camargue general liability • Camargue commercial crime • broker professional indemnity • body corporate trustees • clinical trials • directors’ and officers’ and fidelity guarantee for financial institutions • medical malpractice for medical establishments and practitioners • professional indemnity for corporates • cyber liability. Each Camargue policy includes value-added services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll out and delivery of its services. With the aim of nurturing up-and-coming talent in the industry, in 2008, Camargue joined forces with the WITS Business School offering a scholarship worth more than R60 000 to students who wish to complete a masters of commerce degree. A further two scholarships are offered for a bachelor of commerce with honours in risk management and insurance. For the existing industry, Camargue offers the Broker Liability Academy. Launched in July, 2011, the 42

UMA Directory 2012

Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

Bankers blanket bonds Stalker Hutchison Admiral (Pty) Ltd (SHA) B

Postal address (head office): PO Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0081 E-mail: taylora@sha.co.za

UMA Directory 2012

Bed and breakfast and guesthouse insurance

Bed and breakfast and guesthouse insurance B

Ascent Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2316, Rivonia, 2126 Website: www.ascentsure.co.za Phone: +27 (0)86 128 6264 Fax: +27 (0)86 633 4311 E-mail: info@ascentsure.co.za Product information: Now in our 15th year of combined underwriting in the tourism, hospitality and entertainment sectors, Ascentâ&#x20AC;&#x2122;s product range includes the Welcome Plus (hospitality), the Tourinsure (tourism) and Wine and Dine (entertainment) policies bundled with value-added products and backed up with superior supply chain management. Products cater for the entire range of bed and breakfasts, guesthouses and boutique hotels and any other accommodation and leisure operator, as well as food and beverage clients and all tourismrelated businesses. This broad yet cohesively integrated focus ensures innovative and comprehensive product offerings to these sectors. Together with strategic industry partnerships with SA Tourism Services Association (SATSA)

and the Federated Hospitality Association of SA (Fedhasa), we have the industry engagement and underwriting experience to ensure that our broker partners and client have access to some of the broadest covers available for their ever-changing needs. Ascent Underwriting Managersâ&#x20AC;&#x2122; committed team of dedicated people services our products and supports select broker partners conducting business with honestly and integrity. Our business values remain at the core of our success.

Bed and breakfast and guesthouse insurance BnB Sure (Pty) Ltd Postal address (head office): PO Box 4047, Ferndale, Randburg, 2125 Website: www.bnbsure.co.za Phone: +27 (0)86 126 2787 Fax: +27 (0)11 326 3613 E-mail: simone@bnbsure.co.za Product information: BnB Sureâ&#x20AC;&#x2122;s product has been designed in conjunction with establishment owners and the industry to ensure that it meets the specific needs of bed and breakfasts and guesthouses. The policy covers buildings, contents, including personal effects of guests up to a limit of R25 000 and trauma counselling costs of R3 000 a person following a violent event for guests, but is extended to cover the insured and any permanent staff member away from the premises. It includes automatic fidelity cover of R10 000 and loss of revenue due to fire; storm or flood; telecommunications breakdown; suicide;

murder or rape or any attempt thereat; shark or wild animal attach; oil spillage; cancellation of event and staff stay-aways. Motor cover is also provided. The product covers both the personal and business portions of the establishment. Policyholders enjoy additional benefits such as a listing on the www.bnbfinder.co.za and www. bnbfinder.mobi reservation facilities and automatic membership of BnB Club.

Bed and breakfast and guesthouse insurance Etana Insurance B

Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2744 E-mail: JohanC@etana.co.za Product information: Etana Tourism is passionate about providing tourism businesses with efficient and effective risk cover. The product is not generic, but specifically designed to meet the everchanging landscape of the Southern African tourism industry and all the sub-sectors that

make up the industry. Unique features: • Combined property section – fire, buildings combined and glass section. • Theft cover on a first loss basis. • Broad-form public liability cover. • CRISIS VOUCHER 24 – Medical evacuation and intervention services. • Each risk surveyed. • Thatch capacity. • Full glass cover. • Wildlife – fire and lightning.

HIC Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2253, Bedfordview, 2008 Website: www.hicsa.co.za Phone: +27 (0)11 455 5271 Fax: +27 (0)11 450 4779 E-mail: info@hicsa.co.za Product information: We provide coverage exclusive to bed and breakfast establishments and smaller guesthouses with a combined asset value of up to R10 million and annual turnover up to R5 million. The establishment should be manager/ owner-run with a maximum of 16 rooms. Coverage includes property protection costs, i.e. temporary repairs including hiring of watchmen and trauma counselling; comprehensive cover on

buildings/contents; fatal injury cover of R15 000 for up to two named persons; and property owner’s liability. As an optional extra we offer prevention of access up to a 50-kilometre radius (extended cover available); murder; suicide; pollution; shark attack; contagious disease; food/ drink poisoning; summons to appear in court as a witness; cancellation of bookings and loss of liquor license. Guests’ personal effects are covered up to R10 000 and accidental damage to glass, televisions, audio-visual equipment/computers. All risk cover (including power surge) is available on specified computer equipment. Personal accident and liability cover is included. Motor coverage, fidelity and loss of income cover is also available.

Risk Guard Alliance Postal address (head office): PO Box 73450, Lynnwood Ridge, Pretoria, 0040 Website: www.riskga.co.za Phone: +27 (0)86 110 2025 Fax: +27 (0)86 110 2000 E-mail: commercial@riskga.co.za Product information: Besides the inevitable cover 46

UMA Directory 2012

a guesthouse or bed and breakfast would want for buildings and contents, Risk Guard Alliance also covers the cost of reinstating landscaped gardens and water features, accidental damage to the building, as well as accidental damage to the public supply or mains connection. We offer full theft cover for the main dwellings as well as cover for refrigerator and freezer contents,

Bed and breakfast and guesthouse insurance loss of revenue cover, which includes cover for loss of income due to cancellation of bookings, generator failure, air-conditioning failure, closure of road, rail and air services, infectious diseases/pollution/shark and animal attack, loss of liquor license extension, absconding of

guests, loss of tourist attraction, as well as the cost of loss of water. We also cover general liability as well as damage to guestsâ&#x20AC;&#x2122; vehicles and their contents, for which the insured becomes liable to pay.

Tourism Risk Underwriting Managers Postal address (head office): PO Box 250, Umhlanga Rocks, 4320 Website: www.trum.co.za Phone: +27 (0)31 562 0426 Fax: +27 (0)31 562 0025 E-mail: info@trum.co.za Product information: We are specialists in tourism, hospitality and wildlife insurance. As Lloydâ&#x20AC;&#x2122;s cover holders, we are easily able to tailor-make solutions for our niche market.

DRAFTFCB CAPE TOWN MOME000971/E/3

We offer asset protection (property damage and asset all risks solutions) for all construction

types, including thatch, throughout sub-Saharan Africa, motor (sub-Saharan territorial limits) and passenger liability (sub-Saharan territorial limits). Indemnity limits up to R100 million and general public liability indemnity limits up to R100 million (basic and broad-form solutions are available). Cover for clients or risks throughout sub-Saharan Africa and worldwide jurisdiction can be obtained. Wildlife transit and all risk of mortality covers are available. We also offer evacuation and comprehensive medical evacuation cover for guests in the event of a lifethreatening medical emergency following body injury or illness throughout sub-Saharan Africa.

Momentumâ&#x20AC;&#x2122;s tailor-made food and catering insurance is the secret ingredient to your business Momentum Short-term Insurance has designed a tailor-made package for the food and catering industry that addresses the risks associated with your business â&#x20AC;&#x201C; making the perfect choice easy. This package covers you and your establishment against everything from paying out royalties when you canâ&#x20AC;&#x2122;t and compensating for the deterioration of refrigerated stock due to electronic failure â&#x20AC;&#x201C; ensuring life remains as sweet as a crĂ¨me brĂťlĂŠe. To get a quote, contact our Call Centre on 0860 00 6784, or for more information, please send an email to brokerenquiries@momentumsti.co.za

020( B7DLORU 0DGHB$G B [ LQGG

Bicycle insurance

Bicycle insurance B

BIKESURE UNDERWRITING Physical address (head office): Insurance House, 33 Buitengracht Street, Cape Town Website: www.BikesureSA.co.za Phone: +27 (0)86 0BIKESURE Product information: According to BIKESURE, if it has four wheels, three wheels, two, one or no wheels, and it’s called a BIKE, then BIKESURE will cover it.

If it’s powered by petrol, diesel, electricity or by pedal power, then BIKESURE will cover it. If it travels on tar, off-road, on the mountain or moves on water, then BIKESURE will cover it. If you can get it to fly, we will still pay the claim. Best4Women from BIKESURE offers the best package for gutsy riders and special rates are available to multiple bike owners. In the interest of rider safety, BIKESURE offers free cover to airbag jackets.

Cyclesure Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 4132, Cresta, 2118 Website: www.cyclesure.co.za Phone: +27 (0)86 129 2537 Fax: +27 (0)86 124 2925 E-mail: info@cyclesure.co.za Product information: Cyclesure is a short-term insurance package, designed for all cycling enthusiasts, whether recreational or professional cyclists. It covers all risks, both in South Africa and internationally. Cover includes: • All risks for bicycle and accessories based on replacement value. • Theft, hijacking, damage incurred in transit or while training. • Damage incurred during international, national, provincial or club events, time trials or track events. • Legal liability . • Personal accident cover – death or permanent disability of R20 000* • Medical benefit up to R2 000 for any accident* Optional cover: • SweatSafe ER24 (evacuation cover after any accident). • SweatSafe 50 (hospital expenses cover of up to R200 000 for a family of four after any accident) 48

UMA Directory 2012

• Sweatsafe 100 (hospital expenses cover of up to R400 000 for a family of four after any accident). *Cover in respect of official racing events only. Cyclesure Underwriting Managers (Pty) Ltd was established in 2000 and is the only company that specialises in bicycle insurance. Claims: Cyclesure has claims settling authority and 95 per cent of our claims are settled within 24 hours after receipt of all relevant documents. Underwriter: We are underwritten by Hollard Insurance Company Limited. Hollard has been around since 1980, providing pioneering insurance and risk solutions to South Africa and countries abroad through innovative problem solving and rock-solid partnerships. Hollard is South Africa’s largest independent and privately owned insurance group, and the third largest short-term insurer in South Africa. What we can offer brokers: • Cyclesure is a trusted brand name • Unique product • Efficient claims service.

Bloodstock

Bloodstock EquipagĂŠ Insurance Brokers (Hollard) Postal address (head office): PO Box 69010, Bryanston, 2021 Website: www.equipage.co.za Phone: +27 (0)87 150 1853 Fax: +27 (0)86 607 6803 E-mail: info@equipage.co.za Product information: We provide the following covers for horses: mortality cover; loss of use cover critical care cover; public liability cover;

B personal accident cover; tack cover and horsebox cover. The mortality product covers death of a horse between six months and 20 years of age due to accident, illness, disease, theft and while in road transit, or if your veterinary surgeon has to put the horse down on humane grounds as a result of an accident, sickness or disease.

Kuda Insurance Administrators (Pty) Ltd Postal address (head office): PO Box 151, Bloubergstrand, 7436 Website: www.kuda.co.za Phone: +27 (0)21 557 KUDA (5832) Fax: +27 (0)21 557 KUDA (5832) E-mail: info@kuda.co.za Product information: Kuda offers the full suite of bloodstock insurance products, covering

mortality, infertility, loss of use, loss of income, veterinary cover, public liability cover, personal accident cover, etc. We offer products for thoroughbred racehorses, as well as the many breeds of horses involved in the various sport horse disciplines. Not only are our rates extremely competitive, but we pride ourselves on our ability to innovate, excellent service, and an understanding of the needs of our clients.

+27 (0)21 557 KUDA (5832)

Body corporate and sectional title

Body corporate and sectional title B

UMA Directory 2012

Academy. Launched in July, 2011, the Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

Body corporate and sectional title CIA Commercial & Industrial Acceptances (Pty) Ltd B

Postal address (head office): PO Box 615, Bedfordview, 2008 Website: www.cia.co.za Phone: +27 (0)86 124 2777 Fax: +27 (0)86 613 6684 E-mail: sharne@cia.co.za Registration number: 2000/019340/07 FSP number: 13890 Product information: CIA underwrites on behalf of Compass Insurance Company Limited (FSP number 12148, registration number 1994/003010/06). Residential and commercial sectional title policies: CIA’s sectional title products comply with the requirements of the Sectional Titles Act, providing trustees with complete peace of mind. These products include many additional and unique complementary benefits for residential as well as industrial or commercial bodies corporate. Products include: • Inflation and escalation • Public supply connections • Loss of rent or alternative accommodation • Accidental damage • Office contents (residential product) • Liability • Trustees’ indemnity

UMA Directory 2012

• Employers’ liability • All risks (residential product) • Money • Fidelity • Machinery breakdown (residential product) • Geyser maintenance • Commercial glass • Limited subsidence and landslip cover • Power surge • Claims preparation costs CIA has offices in: Johannesburg – phone: 0861 242 777, e-mail: jhb@cia.co.za Durban – phone: 0861 242 555, e-mail: kzn@cia.co.za Cape Town – phone: 0861 242 111, e-mail: ct@cia.co.za Bloemfontein – phone: 0861 242 222, e-mail: bfn@cia.co.za Pretoria – phone: 0861 242 999, e-mail: pta@cia.co.za Port Elizabeth – phone: 0861 242 333, e-mail: pe@cia.co.za

Body corporate and sectional title C-Sure Underwriting Managers (Pty) Ltd Website : www.corporatesure.co.za Phone: +27 (0)31 571 2500/2 E-mail: quotations@corporate-sure.co.za FSP number: 2712 Product information: C-Sure is focused on delivering exclusive insurance solutions for sectional title schemes, share block schemes, retirement developments, homeownersâ&#x20AC;&#x2122; associations, office blocks and parks and golf estates. Our bespoke Corporate Sure policy has been uniquely designed to meet the insurance requirements of the Sectional Titles Act. Together with our specialist attention and expertise, we assist brokers in providing tailor-made protection with a wide selection of complementary covers relevant to property owners and trustees â&#x20AC;&#x201C; eliminating the need to package make-do- solutions with inadequate cover.

C-Sure has been in the industry since the birth of sectional title insurance, lending to our expertise in the market. We have used this specialist knowledge to develop a new revolutionary commercial property insurance offering, which will cement our footprint in this niche market segment. Contact us for more information.

A UsNIQUE blend of Products & Services We are a people-centric business - people always come first. Our primary responsibility is to your clients. We understand that they are successful, busy people who need exceptional products and top quality service to protect their assets and support their demanding lifestyles. The clientâ&#x20AC;&#x2122;s point of view is central to how we run our business, so your clients will enjoy total peace of mind on all aspects of their insurance, be it personal, business or liability. We also have a responsibility to our valued employees. We respect and recognise everyone for the skills, talent and individual personalities they bring to the mix. Our management team is distinguished by their competence, experience and integrity. We are all passionate about what we do. Finally, we have a responsibility to our shareholders. In order to realise a good return for our shareholders, we choose to partner with successful, ethical organisations and operate with solid business principles and practices. STRATEGIC ALLIANCES We have formed alliances with specialist companies to enhance our value proposition and service delivery.

OUR PRODUCTS What we offer: quality protection with cost effective pricing UsNIQUE Personal for high net worth individuals â&#x20AC;&#x201C; a specifically designed, tailor-made product for your affluent clients. A product created to provide cover for clients with high-value homes and exotic vehicles, with a level of cover that cannot be found on a standard insurance policy. Your clients are in the hands of our dedicated and experienced claims team where all claims are resolved quickly, professionally and without fuss. Due to its specialist nature, UsNIQUE Personal for high net worth individuals is only available to select brokers.

UsNIQUE Personal for mid net worth individuals - specifically aimed at your upper middle class clients.

clients also have access to the UsNIQUE Assist Programme - providing free breakdown and roadside assistance throughout South Africa.

In order to ensure that your clients aren't underinsured, we offer an automatic survey of contents aligned to the value of your client’s assets. We also base the premium on the client’s risk profile. Therefore - the lower the risk profile, the lower the premium.

UsNIQUE CLASSIC - specifically created for high net worth collectors of classic, vintage and veteran vehicles.

UsNIQUE entrepreneurs - specifically designed for entrepreneurial clients with their own businesses. We have created a policy for your professional or entrepreneurial clients who require broader cover to compliment their UsNIQUE business needs. We offer one policy with one premium in a combined Business and Personal Insurance policy. UsNIQUE commercial - a general policy providing all the standard sections and extensions for commercial risks. This Commercial product provides cover for small to medium size commercial business entities with enterprises in engineering, retail and manufacturing. Plus extended commercial umbrella liability which can be purchased in addition to enhance the cover provided by your standard commercial policy. UsNIQUE EXEC - specifically designed for owners of executive vehicles. Our policy created for vehicles with values in excess of R350 000, where we insure executive and exotic cars on a stand-alone basis, or in combination with one of our other UsNIQUE products. UsNIQUE Exec

For your clients who are collectors of classic, vintage and veteran vehicles, we offer an exclusive policy on a stand-alone basis or in combination with one of our other UsNIQUE products. UsNIQUE BAIL PROTECT - our innovative service providing immediate bail assistance to your clients in the case of minor offences. For a minimal monthly cost we will provide immediate assistance by dispatching a bail officer to your distressed clients with cash on hand to bail them out of police custody. As one of the leading Underwriting Managers in South Africa, we offer distinct solutions to meet your customer’s needs. THE AUM TEAM Drew Schnehage – Managing Director Andrew Errington – Head of Business Development and Operations Fran van Niekerk – Head of Finance Laura Greer – Marketing Manager Sandra Boy – Business Development KZN and Cape Town Raks Maharaj – Chief Underwriting Manager Megan Hart – Head of Claims Tel 086 72 77 854 FAX 0866 888 361

www.aum.co.za

Authorised Financial Services Provider FSP Number: 35916

Broad-form liability cover

Broad-form liability cover B

Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions to a broad spectrum of industries in South Africa. Camargue’s unique product offering uses the M3 principle. This is to manage, mitigate and migrate critical business risks. Some of our products include: • directors’ and officers’ liability • employment practice liability • pension fund trustee liability • Camargue general liability • Camargue commercial crime • broker professional indemnity • body corporate trustees • clinical trials • directors’ and officers’ and fidelity guarantee for financial institutions • medical malpractice for medical establishments and practitioners • professional indemnity for corporates • cyber liability. Each Camargue policy includes value added services with a number of Risk Managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll out and delivery of its services. With the aim of nurturing up-and-coming talent in the industry, in 2008, Camargue joined forces with the WITS Business School offering a scholarship worth more than R60 000 to students who wish to complete a masters of

commerce degree. A further two scholarships are offered for a bachelor of commerce with honours in risk management and insurance. For the existing industry, Camargue offers the Broker Liability Academy. Launched in July, 2011, the Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

Etana Insurance Physical address (head office): 17th Floor, Metlife Centre, 7 Coen Steytler Drive, Foreshore, Cape Town, 8000 Website: www.etana.co.za Phone: +27 (0)21 815 2200 E-mail: christiaane@etana.co.za 56

UMA Directory 2012

Product information: Etana’s broad-form liability is an all-encompassing product covering company’s third party liabilities, thus making sure you are covered When a third party suffers bodily injury or property damage as a result of the insured’s negligence.

Broad-form liability cover Hollard Liability Postal address (head office): PO Box 87419, Houghton, 2041 Website: www.hollard.co.za Phone: +27 (0)11 351 3000 Fax: +27 (0)11 351 8013 E-mail: bobst@hollard.co.za Product information: We provide security in the form of negligence, errors and omissions cover for all professional firms, including, but not limited to, attorneys, architects, accountants, insurance intermediaries,

engineers, quantity surveyors and medical practitioners, etc. We also underwrite most liability risks for the commercial, construction and retail sectors. We might be the new kids on the block but we have a wealth of experience and an enthusiastic team that is willing and able to provide the requisite technical expertise and service. We come with in excess of 100 years of experience between us and we will go out of our way to assist in finding solutions.

Leppard and Associates (Pty) Ltd Postal address (head office): PO Box 2730, Houghton, 2041 Website: www.leppard.co.za Phone: +27 (0)11 459 1640 Fax: +27 (0)11 268 5887 Contact person: Simon Leppard E-mail: simon@leppard.co.za Product information: General public liability,

broad-form liability, products liability, events liability, excess layers and umbrella covers, agrichem liability, motor fleet third party liability, passenger XOL liability, environmental HazChem spillage (vehicles and premises), personal liability top-up (XOL and umbrella), commercial liability top-up (XOL and umbrella), warehousemen’s and carriers’ liability and contractors’ liability.

and omissions covers for most professions, misappropriation of trust funds cover, and medical malpractice insurance for allied health professionals and institutions.

Product information: Network is a specialist liability and professional indemnity underwriting agency, writing for Guardrisk Insurance Company. We have R100 million capacity lead by Munich Reinsurance Company. We underwrite primary, excess of loss and umbrella policies. We underwrite broad-form liability covers: general liability, products liability, products guarantee/recall, excess of loss motor liability, contractor’s liability, piling liability, event liability, professional indemnity/errors UMA Directory 2012

Broad-form liability cover Risk Technical Services B

Postal address (head office): PO Box 803, Cramerview, 2060 Website: www.rtspi.co.za Phone: +27 (0)11 463 1101 Fax: +27 (0)86 636 5825 E-mail: dwozny@rtspi.co.za

Contact people: Keith Mumford - 082 3778364, Andrew Brown - 082 6547400, Debbie Wozny - 084 5888695, Neal Helps - 082 4654169, Dirk Gouws - 083 2687482 or Caron Whitfield - 082 9028382. Johannesburg office: 011 463 110, Cape Town office: 021 526 0372.

Product information: Liability • General public liability, including tenants’ and property owners’ liability • products liability • mitigation expenses • employer’s liability • defective workmanship • excess of loss cover • structural piling and foundation failure liability. The team is dedicated to supporting our brokers and their clients, and with a collective 130 years of underwriting and claims experience, we can provide technical guidance and assistance on all aspects of construction and engineering and professional indemnity insurance.

Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0082 E-mail: kirkd@sha.co.za Product information: Broad-form liability cover – In an ever-changing world of manufacturing, mining, retail, construction, legislation and technology, we give you access to a local market with global expertise where our word is still our bond. The team is dynamic, focused and has extensive experience in the broad-form liability field. SHA’s policy provides the widest cover that is sensibly available and the company is able to offer unique solutions. 58

UMA Directory 2012

The following covers are available: • general public liability • product liability including defective workmanship and inefficacy • property owners’ and tenants’ liability including spread of fire and sudden and accidental pollution • statutory legal defence costs • wrongful arrest and defamation • employer’s liability including employee-to-employee liability • contractor’s liability including own contracts, PCI contracts and lateral support • product guarantee and recall • pure economic loss • warehouseman’s consequential loss • carrier’s consequential loss • copyright infringement liability • advertiser’s liability • plant hire liability • loss of documents liability • employment practices liability • security liability • school liability.

Broad-form liability cover Tourism Risk Underwriting Managers Postal address (head office): PO Box 250, Umhlanga Rocks, 4320 Website: www.trum.co.za Phone: +27 (0)31 562 0426 Fax: +27 (0)31 562 0025 E-mail: info@trum.co.za Product information: We are specialists in tourism, hospitality and wildlife insurance. As Lloydâ&#x20AC;&#x2122;s cover holders, we are easily able to tailor-make solutions for our niche market. We offer asset protection (property damage and asset all risks solutions available) for all construction types, including thatch, throughout sub-Saharan Africa, motor (sub-Saharan territorial limits) and passenger liability (sub-

Saharan territorial limits). Indemnity limits up to R100 million and general public liability indemnity limits up to R100 million (basic and broad-form solutions). Cover for clients or risks throughout sub-Saharan Africa and worldwide jurisdiction can be obtained. Wildlife transit and all risk of mortality covers are available. We also offer evacuation and comprehensive medical evacuation cover for guests in the event of a life-threatening medical emergency following body injury or illness throughout subSaharan Africa.

UMA Directory 2012

Building insurance

Building insurance B

CIA Commercial & Industrial Acceptances (Pty) Ltd Postal address (head office): PO Box 615, Bedfordview, 2008 Website: www.cia.co.za Phone: +27 (0)86 124 2777 Fax: +27 (0)86 613 6684 E-mail: sharne@cia.co.za Registration number: 2000/019340/07 FSP number: 13890 Product information: CIA underwrites on behalf of Compass Insurance Company Limited (FSP number: 12148, registration number: 1994/003010/06). Property Owners’ Combined: CIA’s Property Owners’ Combined policy offers the widest cover available for residential, commercial and industrial properties at highly competitive rates. All buildings, irrespective of occupation, are issued on a combined basis, including numerous complementary extensions. Products include: • Inflation and escalation • Public supply connections • Loss of rent or alternative accommodation • Accidental damage

UMA Directory 2012

• Liability • Glass • All risks (optional) • Machinery breakdown (optional) • Limited subsidence and landslip cover • Power surge • Claims preparation costs CIA has offices in: Johannesburg – phone: 0861 242 777, e-mail: jhb@cia.co.za Durban – phone: 0861 242 555, e-mail: kzn@cia.co.za Cape Town – phone: 0861 242 111, e-mail: ct@cia.co.za Bloemfontein – phone: 0861 242 222, e-mail: bfn@cia.co.za Pretoria – phone: 0861 242 999, e-mail: pta@cia.co.za Port Elizabeth – phone: 0861 242 333, e-mail: pe@cia.co.za

Over the years, one company has carved out quite a niche in the insurance industry. Consis tency = Client Co nf id enc e

At CIA, we take great pride in our service levels. Itâ&#x20AC;&#x2122;s not for nothing that we have been the FIA Underwriting Manager of the Year for the past two years running. Weâ&#x20AC;&#x2122;re reliable, we have the necessary expertise, we have an in-depth understanding of the building industry and we have a niche range of products that truly set us apart. If you have a building or property that needs to be insured, know this: CIA Building Insurance Specialists will leave an indelible impression. info@cia.co.za

www.cia.co.za

Residential homes

Apartments

)\PSKPUN 0UZ\YHUJL :WLJPHSPZ[Z An Authorised Financial Service Provider FSP: 13890 acting as an Underwriting Managing Agent for Compass Insurance Company Limited Reg No: 1994/003010/06 Commercial & Industrial Acceptances Pty Ltd Reg No: 2000/019340/07

Offices

Shopping Centres

Factories

Body Corporate

UMA Directory 2012

Other

Building insurance FIRST PROPERTY ACCEPTANCES B

Postal address (head office): PO Box 2379, Claremont, 7735 Website: www.firstprop.co.za Phone: +27 (0)21 674 5383 Fax: +27 (0)21 674 2882 E-mail: ian@firstprop.co.za Product information: FIRSTPROP has been a leader and innovator in the property insurance niche since opening our doors in 2005. We have established ourselves as a market leader for the insurance of all types of buildings ranging from domestic houses to shopping malls and factory buildings. Our motto ‘First Tourism Risk Underwriting Managers Postal address (head office): PO Box 250, Umhlanga Rocks, 4320 Website: www.trum.co.za Phone: +27 (0)31 562 0426 Fax: +27 (0)31 562 0025 E-mail: info@trum.co.za Product information: We are specialists in tourism, hospitality and wildlife insurance. As Lloyd’s cover holders we are easily able to tailor-make solutions for our niche market. We offer asset protection (property damage and asset all risks solutions available) for all construction types, including thatch, throughout sub-Saharan Africa, motor (sub-Saharan territorial limits) and passenger liability (subSaharan territorial limits). Indemnity limits up to R100 million and general public liability indemnity limits up to R100 million (basic and broad-form solutions). Cover for clients or risks throughout sub-Saharan Africa and worldwide jurisdiction can be obtained. Wildlife transit and all risk of mortality covers are available. We also offer evacuation and comprehensive medical evacuation cover for guests in the event of a life-threatening medical emergency following body injury or illness throughout subSaharan Africa. 62

UMA Directory 2012

for cover – First for service’ is one we are proud to have maintained throughout our six years in business and our track record of offering innovative solutions for the insurance of property in South Africa is unrivalled. As of 1 December 2011, we have joined forces Ace Insurance Ltd, a member of the global Ace Insurance Group. This association with Ace is a breakthrough for a local UMA, which will provide FIRSTPROP with the resources to offer the widest cover and benefits ever made available to the South African property insurance niche. For full details of our products and services, visit our website.

Buses (passenger transport vehicle insurance)

Buses (passenger transport vehicle insurance) B

IUM Postal address (head office): Private Bag X10, Gardenview, 2047 Website: www.ium.co.za Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 E-mail: info@ium.co.za Product information: IUM’s passenger transport vehicle insurance products incorporate a dedicated division which specialises in passenger transport vehicle insurance. Cover is available for tour operators, commuter buses, shuttle services, long distance passenger transport, buses, private hire (hire and reward), group tours, bus companies and operators. Policy benefits and services: • Competitive rates

• 24/7/365 claims support • In-house claims settlement • Accident scene management • On-site legal services Cover includes: • Fire extinguishing charges • Loss of keys • Search and recovery costs • Third party liability • Towing, wreckage removal • Windscreen cover Optional cover: • Credit shortfall • Cross border recovery and towing costs • Excess reducer • Extended wreckage removal • Goods in transit • Riot and strike • Passenger liability • Personal accident on drivers • Emergency medical evacuation

UMA Directory 2012

5. South Africa’s private security industry is one of the largest in the world.

The letter C

C – 10 facts about cash in transit

1. Cash-in-transit robberies decreased by 23 per cent over the threeyear period between July 2006 and October 2009. A further substantial decrease of 18.7 per cent was recorded in 2010/2011, revealing that 291 incidents occurred last year compared to 467 in 2006/2007. 2. South African company, SBV, was rated the best risk-managed cashin-transit company in the world by insurer Lloyd’s of London in 2011. 3. CIT companies are seen as logistic companies in the private security industry and have to comply with transport and security legislations. 4. In some countries, the transportation of cash has its own legislation.

UMA Directory 2012

6. Some cash-in-transit companies use sophisticated technology to deter criminals and reduce losses in the event of a heist, such as a locally developed system which, when activated, fills the inside of the vehicle with hot Polyurethane foam which solidifies quickly.

7. Cross-pavement carriers which send out smoke signals when lifted off the road and DNA markers to trace stolen money are South African inventions to protect cash in transit.

8. Technology such as time-delayed locks, tracking and biometrics are utilised to limit guards’ ability to hand over information in the event of criminal activities.

9.G4S, Protea Coin, SBV and Fidelity are the main players in the South African cash-intransit industry with about 2 500 vehicles collectively on the roads.

10. The G4S Group has over 625 000 employees globally and is the largest employer listed on the London Stock Exchange.

UMA Directory 2012

Cellular phone insurance

Cellular phone insurance Administration Plus (Pty) Ltd C

Postal address (head office): PO Box 3047, Cape Town, 8000 Website: www.adminplus.co.za Phone: +27 (0)86 111 8765 Fax: + 27 (0)21 403 9172 E-mail: helen@adminplus.co.za Product information: Administration Plus (Pty) Ltd is a privately owned UMA providing a slick administration service primarily in cellular handset and laptop insurance/replacements. Our licence extends to allow us to write mobile devices.

UMA Directory 2012

Classic and vintage cars

Classic and vintage cars Execuline Motor Underwriting Managers Postal address (head office): PO Box 2926, Bedfordview, 2008 Website: www.execuline.co.za Phone: +27 (0)11 663 0500 Fax: +27 (0)11 663 0640 E-mail: debbieg@execuline.co.za Product information: Executive Motor policy includes: • Replacement value settlement in the first year of registration as a new vehicle (if the first owner), retail thereafter. • No excess where there is a theft/hijack or attempted theft/hijacking and an Execulineapproved tracking system is installed. • Sound equipment included up to 2.5 per cent of the vehicle value on an all risk basis. • Car hire is optional for up to 45 days (manual or automatic transmission) in the event of accident or theft. • Locks and keys cover. • Windscreen cover. • Headlamp breakage is covered as an extension. • Top-up cover can be provided. • SASRIA cover included. • Territorial limits include Republic of South Africa, Namibia, Lesotho, Swaziland, Botswana, Mozambique, Malawi, Zimbabwe

and Zambia. Repatriation cover provided. • MVI (motor vehicle inspection) at no cost. • Roadside assistance automatically included. • Medical expenses cover in the event of accident and hijack. • Trauma cover includes counselling as a result of hijack or fatal accident. • General liability cover granted to third parties arising out of event. Limits apply. Classic and Collectibles motor policy: • Agreed or market value as basis of settlement. • Malicious damage to soft tops covered. • Insured has first option to purchase cherished remains. • Emergency repairs allowed up to R5 000. • Temporarily detached parts covered up to 25 per cent of the vehicle value. • Importation of parts included up to R5 000. • General liability cover granted to third parties arising out of one event. Limits apply. Motorcycles: • Total loss or theft claims settled on retail value. • Roadside assistance included. • Non-standard accessories may be specified. • On- and off-road bikes. UMA Directory 2012

Classic and vintage cars Wheels Underwriting Managers (Pty) Limited Postal address (head office): PostNet Suite 421, Private Bag X75, Bryanston, 2021 Website: www.wheelrite.co.za Phone: +27 (0)11 267 4000 or 0860 103 412 Fax: +27 (0)11 267 4298 E-mail: wheels@wheelrite.co.za

Product information: With over 40 years’ combined experience in underwriting and technical expertise in the classic car market, Wheels has designed a unique and superior product catering for the classic car enthusiast. Our national marketing manager for motorcycles, classic and sports, Stephen Cox, has 15 years’ experience within the classic car industry. Stephen is a classic car enthusiast and has restored and built classic cars, some being concourse winners. Our executive chairman, John Towsey, is a collector, has been an enthusiast for over 30 years, and owns five classic cars. Key features of insurance for classic cars and

UMA Directory 2012

classic bikes: • Increased sum insured available for repair costs above market value. • Agreed values. • Four nominated drivers. • In-house assessment. • Comprehensive cover (limited and unlimited mileage). • Private and business use. • Laid-up cover option. • First option to buy salvage. • Cover available for Africa, south of the Equator.

Commercial and industrial risks

Commercial and industrial risks Aquarius Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 3002, Bromhof, 2154 Website: www.aum.co.za Phone: +27 (0)86 727 7854 Fax: +27 (0)86 688 8361 E-mail: andrewe@aum.co.za or laurag@aum.co.za

Product information: Uâ&#x20AC;˘NIQUE Commercial â&#x20AC;&#x201C; Our commercial product provides cover for small- to medium-sized commercial business entities with enterprises in engineering, retail and manufacturing. We understand that as a business owner,

UMA Directory 2012

Commercial and industrial risks purchasing the appropriate commercial insurance policy is critical to protecting your company’s assets and ensuring its continued viability. We assist you to take the first step in purchasing a policy that is correct for your business and assisting your clients with the general nature of commercial insurance and the various cover options.

Key policy covers include the following: Fire, buildings combined, office contents, business interruption, accounts receivable, theft, money, glass, fidelity, goods-in-transit, business all risks, accidental damage, public liability, employers’ liability and stated benefits, group personal accident, motor, motor traders external and internal risks, electronic equipment, house owners’, householders’ and personal legal liability and extended commercial liability. U•NIQUE Entrepreneurs – specifically designed for the entrepreneur with their own business or for people involved in professional or entrepreneurial activity requiring broader cover to suit their U•NIQUE needs. We offer one policy with one premium and combine your business and personal insurance cover, which can be tailored to suit your client’s needs.

Benefits include: • A specifically designed, tailor-made U•NIQUE product for the individual and his business. • Simplified, user-friendly wording, making it easy to see exactly what is covered. • One policy, one premium – business and domestic insurance. • The policy is on an all risks basis and is rated by applying a rate to the business contents, buildings and business interruption sum insured. Limits can be increased at an additional premium. Cover is automatically included for glass, money, theft, fidelity guarantee, liability, accounts receivable, accidental damage and stock in transit. Entrepreneur target market - Any small- to medium-sized business in the following sectors: • Accountants, architects and estate agents. • Insurance brokers, IT specialists, management consultants and other financial services. • Marketing, advertising and public relations consultants. • Communications consultants. • Lawyers, solicitors and surveyors. • Engineers and publishers. • Vets, doctors, dentists and pharmacists. • Florists and small retail businesses.

Etana Insurance

Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2531 E-mail: charls@etana.co.za

cost-effective and thorough in the financial protection of your business. Your potential commercial and industrial clients are: • retailers – large and small • national franchise operations • manufacturers – small, medium, large • all South African businesses.

Product information: We are a one-stop shop for comprehensive insurance for businesses of all sizes. Our experience and get-itdone service delivery are backed by Etana’s effective risk management team and software. This ensures underwriting that is accurate,

All Etana branches have wide mandates to underwrite business and settle claims, meaning that our brokers never have to deal with call centres. We believe that ‘local is lekker’. Our branch managers and local Etanans are the experts to partner with you on your

UMA Directory 2012

Commercial and industrial risks / Commercial insurance Etana experience. Etana’s business policy is an enhanced multi-peril policy offering full protection for your business. This encompasses material loss or damage, crime and accident and business interruption liability (with broadform option), motor and personal accident, and sectional title policy catering for the specific needs of these risks. Claims: Our philosophy is to handle claims locally where there is local knowledge and service available. All our branches have highly experienced claims technicians who are empowered to settle claims with as little fuss as possible.

Commercial insurance Ad Ultimum Outsourcing (Pty) Ltd Postal address (head office): PO Box 9857, Centurion, 0046 Website: www.adultimum.co.za Phone: +27 (0) 12 345 5052 Fax: +27 (0) 12 345 2676 E-mail: info@auo.co.za FSP number: 8273 Product Information: Ad Ultimum provides affordable, tailor-made products for individuals and/or groups. Commercial insurance – includes: • General commercial insurance for small, medium and large business ventures across the board. • Competitive rates with individual underwriting which makes our commercial product unique. • Extended public liability (CUP) cover.

Extensions: • Motor hire, top-up, excess waiver for private vehicles under the motor section of the policy. Add-ons: • Roadside assistance for mechanical and electrical breakdowns or when a collision has occurred, for private vehicles. Personal short-term insurance – includes: • All personal effects, tailor-made to individual needs. • All risk cover for the contents of the house. • Full subsidence and landslip cover for house contents and house owners. • Personal accident cover for clients over 70 years, and extended personal accident. • Trauma cover after armed robbery. • Breast and HPV cancers. UMA Directory 2012

Commercial insurance Through Ad Ultimum Outsourcing (Pty) Ltd, short-term insurance brokers can become the irreplaceable and most important link between the policyholder and the insurance underwriter. Ad Ultimum can provide a comprehensive all-round service to brokers and underwriters to ensure they have a competitive advantage. Ad Ultimum is a short-term insurance outsource company managing the underwriting, administration and claims of personal lines, commercial insurance and group schemes on an efficient insurance system. Our main objective is to assist companies to function more independently and to be able to have sufficient control on all levels. Independence and control imply the ability to keep accurate records, statistics, facts and figures as well as collection of premiums directly from policyholders. We provide an Internetbased insurance solution utilising browser technology. The solution facilitates access via

both the Internet and the traditional digital data networks.

get the competitive edge in an ever-changing market. African Rand is underwritten by Western National Insurance Company Limited, the thought leader in wealth protection. The dynamic approach that African Rand has in forming partnerships with approved brokers ensures that they work together to get that elusive account. African Rand will always go the extra mile, even travelling hundreds of kilometres to assist brokers in closing a desired policy. With claims payments taking place on a daily basis, the claims service is guaranteed.

Anchor Risk Management Postal address (head office): PO Box 220, Newlands, 0049 Website: www.anchorisk.com Phone: +27 (0)12 425 0060 Fax: +27 (0)12 460 6062 E-mail: manage@anchorisk.com 72

UMA Directory 2012

Product information: Personal lines, shortterm insurance and commercial lines shortterm insurance.

Commercial insurance Antares Broker Support Physical address (head office): Suite 16, Sloane Centre, Bryanston Website: www.antaresbrokersupport.co.za Phone: +27 (0)83 267 6864 Fax: +27 (0)86 653 9493 E-mail: maurizio@antaresbrokersupport.co.za Product information: Antares Broker Support provides an Internet-based, multi-product quote platform to brokers for personal lines products. Our offerings are competitively priced to ensure brokers have a competitive edge in the market. Brokers can easily quote their clients within a minute or two and receive our spread of product offerings almost instantaneously. Following that, Antares will handle all the telephonic underwriting on behalf of the broker, plus all other policy administration services such as premium collection/allocation, commission payments, policy communications to client and broker via e-mail or post and complete claims handling,

thus allowing the broker to focus on growth and profitability within a secure and compliant framework without having to spend time on administration. Our aim is to equip the broker with competitively priced products with simple to use, streamlined technology, with the added ethos of aiming to be unmatched in both service and product delivery. We have additional products specifically aimed at certain sectors of the market. Our PETTICOAT product is aimed at women over the age of 27. Some benefits include: • reduced premiums • reduced excesses • standard handbag cover included for R5 000 (can be increased) • road and home assistance services included • car hire facility. 50 PLUS SAVER product: • insurance for clients 50 years of age and over • discounted rates • no basic excess on motor accident

Commercial insurance claims • no basic theft/hijack excess • includes insured’s spouse • car hire facility • road and home assist. PLATINUM product: • competitively priced premiums for first-time buyers or clients with no previous insurance history • motor alone possible or can be combined with householders, etc. • road and home assist

• car hire optional • extra discount if clients have NCB’s General Commercial Insurance • our turn-around time is generally the same day, otherwise within 24 hours.

Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2531 E-mail: charls@etana.co.za Product information: We are a one-stop shop for comprehensive insurance for businesses of all sizes. Our experience and get-itdone service delivery are backed by Etana’s

UMA Directory 2012

effective risk management team and software. This ensures underwriting that is accurate, cost-effective and thorough in the financial protection of your business. Your potential commercial and industrial clients are: • retailers – large and small • national franchise operations • manufacturers – small, medium, large • all South African businesses. All Etana branches have wide mandates to underwrite business and settle claims – this

Commercial insurance means our brokers never have to deal with call centres. We believe that â&#x20AC;&#x2122;local is lekkerâ&#x20AC;&#x2122;. Our branch managers and local Etanans are the experts to partner with you on your Etana experience. Etanaâ&#x20AC;&#x2122;s business policy is an enhanced multi-peril policy offering full protection for your business. This encompasses material loss or damage, crime and accident and business interruption liability (with broad-

form option), motor and personal accident, and sectional title policy catering for the specific needs of these risks. Claims: Our philosophy is to handle claims locally where there is local knowledge and service available. All our branches have highly experienced claims technicians who are empowered to settle claims with as little fuss as possible.

Strategic Insurance Systems (Pty) Ltd Postal address (head office): PO Box 122, Cornwall Hill, 0178 Website: www.stratsys.co.za Phone: +27 (0)12 667 2441 Fax: +27 (0)12 667 2442 E-mail: gary@stratsys.co.za Product information: Our standard commercial insurance has been created to give comprehensive cover that protects your building, plant and equipment, stock cash, motor vehicles legal liabilities and loss of income. We also provide personal insurance created to give comprehensive cover that protects your domestic building, contents, valuables, motor vehicles and legal liabilities. A number of SIS Assist services are available. The SIS principle business objective is to be

the strategic business partner to the small to medium owner-operated broker and be the preferred provider of insurance solutions to our chosen strategic partners. Our focus is entirely on the small- to medium-sized independent broker who owns and operates his business on a daily basis with personal relationships with the majority of his client base. The SIS strategic significance is simply to ensure that the independent owner-run broker is best able to service his clients through the creation, maintenance and continual improvement of the best systems and technical support possible. We create a circle of dependency for the broker to enable him to control the entire service process (i.e. claims, underwriting and accounts) in order to deliver exceptional service. SIS is a fully capitalised risk-carrying cell within the cell captive environment.

We cover all business. ETANA COMMERCIAL & INDUSTRIAL

w w w. e t a n a . c o . z a ETA_A5_Thirds_COE_ADs.indd 1

Etana is an Authorised Financial Service Provider

2011/12/08 12:56 PM

Construction and engineering insurance

Construction and engineering insurance AC and E Engineering Underwriting Managers (Pty) Ltd C

Postal address (head office): PO Box 752189, Gardenview, 2047 Website: www.engineeringace.co.za Phone: +27 (0)11 615 7529 or +27 (0)84 608 2134 Fax: +27 (0)11 615 9360 E-mail: anne-marie@engineeringace.co.za Product information: Contract Works (CAR) – Comprehensive all risks cover intended for the erection of anything from private houses, cluster homes, small blocks of flats up to large projects, such as shopping centres, sugar mills, power stations, refineries, as well as infrastructure such as bridges, roads, dams, water reticulation and pipelines. This cover will also extend to projects such as the installation of air conditioning and painting contractors. Because of the different nature of the various policies available, each policy is subject to exclusions and conditions that are particular to the covers afforded by the various policies. The policy covers the construction site against the following, subject to the standard terms and conditions as outlined in the policy wording: storm, fire, water, subsidence, collapse, landslip, earthquake, cyclone, theft, transit,

UMA Directory 2012

malicious damage, damage to underground services, third party damages. Plant All Risks (PAR) – Loss of or damage to construction plant and equipment. Plant all risks will cover items such as earthmoving equipment, cranes, pumps, air compressors, etc. In addition, standard cover is available for hiring costs, legal liability arising out of the hire and continuing hire charges. AC and E also offers third party liability for plant on site. This policy will cover risks such as fortuitous working accidents, theft, fire, faulty operation, overturning, as well as natural perils such as earthquake, storm, flood, collision, etc. Machinery Breakdown (MB) – Sudden accidental and unforseen physical loss of or damage to machinery and plant arising from mechanical/electrical breakdown. The cover will include repairs to the machine and, in case of a total loss, the insured will be indemnified. Other products include loss of profits (LOP), deterioration of stock (DOS), dismantling, transit and erection, computer and electronic equipment (EEI) and construction guarantees/bonds.

Construction and engineering insurance Risk Technical Services Postal address (head office): PO Box 803, Cramerview, 2060 Website: www.rtsce.co.za Phone: +27 (0)11 463 1101 Fax: +27 (0)86 636 5825 E-mail: cwhitfield@rtsce.co.za Product information: Contract specific cover – one policy covering: • Single project cover caters for all contracting parties irrespective of contract or agreement. • Contract works. • Plant. • Machinery breakdown and loss of profits. • Electronic equipment. • Contractors’ liability. • Removal of support. • Delay in start-up. • Professional indemnity. • Marine and DSU (for material to be incorporated into the works).

• Automatic removal of support cover included. • Professional indemnity for design of temporary works.

The team is dedicated to supporting our brokers and their clients, and with a collective 130 years of underwriting and claims experience, we can provide technical guidance and assistance on all aspects of construction and engineering and professional indemnity insurance. Contact people: Keith Mumford - 082 3778364, Andrew Brown - 082 6547400, Debbie Wozny - 084 5888695, Neal Helps - 082 4654169, Dirk Gouws - 083 2687482 or Caron Whitfield - 082 9028382. Johannesburg office: 011 463 110, Cape Town office: 021 526 0372.

Annual contract works policy covering: • Run-off cover on request. • Turnover vs total value of contracts. • Defects exception. • Testing cover for plant refurbished to original equipment manufacturer’s (OEM) standard.

UMA Directory 2012

Construction and engineering insurance Scintilla (Pty) Ltd (Hollard) Postal address (head office): PO Box 2770, Houghton, 2041 Website: www.scintilla.co.za Phone: +27 (0)11 646 1715 Fax: +27 (0)11 646 0710 E-mail: info@scintilla.co.za

Product information: • Contractors’ All Risks – Covers building, civil and mechanical engineering projects against risks during construction or erection (e.g. flooding, fire). Covers third party liability risks and loss of profits as a consequence of a delay in project start-up can be covered. • Plant All Risks – Covers construction plant and machinery against risks of external damage (e.g. accidents on site) and theft. • Machinery Breakdown – Covers machinery against risks of breakdown (e.g. from defects in material, faults in assembly). Loss of profits as a consequence of machine’s down time can be covered. • Electronic Equipment Insurance – Covers electronic/computer equipment against risks of external damage (e.g. impact), breakdown and theft. Loss of profits as a consequence of machine’s down time can be covered. • Civil Engineering Completed Risks – Covers civil engineering projects against natural hazards after construction is completed. Loss of profits as a consequence of the damage can be covered. Scintilla is a leading contracting and engineering underwriting manager with 100 years of combined management expertise. We support our brokers servicing the construction and engineering sector and are a driving force behind successful and sustainable development

UMA Directory 2012

and opportunities within construction and engineering in Africa. We are positioned to provide our partners with support, focused insurance products and tailored solutions. Our recent infrastructure projects include major airports, Soccer World Cup stadiums, roads and bridges.

Construction and retention guarantees

Construction and retention guarantees Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2589 E-mail: clives@etana.co.za

Product information: Our specialist team members are some of the most experienced and hands-on experts in the industry, all with a problem-solving attitude. We offer cover for: • construction guarantees • performance • retention • advance payment • bid bonds • materials on site.

Firedart Engineering and Construction Guarantee Postal address (head office): PO Box 62660, Marshalltown, 2107 Website: www.firedart.co.za Phone: +27 (0)11 833 1400 Fax: +27 (0)11 836 1020 E-mail: mike@firedart.co.za Product information: Firedart provides a variety of products that cater for the engineering sector including contracts all works, erection all risks, plant all risks, machinery breakdown, including business interruption and deterioration of stock, works damage. Firedart

also specialises in construction guarantees/ bonds and can structure a tailor-made solution to cater to unique requirements. Products: Contract works, plant all risks, machinery breakdown, business interruption, deterioration of stock, works damage, electronic equipment, construction guarantees/bonds. Firedart Engineering Underwriters recently merged with Construction Guarantee to ensure a more comprehensive cover to clients in the engineering sector.

UMA Directory 2012

Construction and retention guarantees / Consumer protection insurance Performance and Customs Bond Services (Pty) Ltd Postal address (head office): PostNet Suite 353, Private Bag X30500, Houghton, 2041 Website: www.pcbs.co.za Phone: +27 (0)11 482 2101/5981/8012 E-mail: info@pcbs.co.za

Products: • Bid bonds (letter of intent) • Performance guarantees • Maintenance guarantees • Retention guarantees

• Advance payment guarantees • Supplier surety (construction industry only) • Customs and excise (freight forwarding) • Foreign currency guarantees (performance guarantees in respect of contracts on the African continent including Indian Ocean islands) • Contract guarantees • Fuel guarantees for selected civil construction companies • Alternative risk transfer products

Consumer protection insurance Dealers Indemnity (Pty) Ltd Postal address (head office): PO Box 417, Morningside, 2057 Phone: +27 (0)11 784 2048 Fax: +27 (0)11 784 3742 E-mail: deni@global.co.za Product information: Credit life, goods cover and retrenchment, underwritten separately or in various

UMA Directory 2012

combinations of the above, either through a broker or directly with the furniture retailer. The company was founded in 1993 and has been specialising in CPI since then.

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UMA Directory 2012

Contract guarantees

Contract guarantees Firedart Engineering and Construction Guarantee Postal address (head office): PO Box 62660, Marshalltown, 2107 Website: www.firedart.co.za Phone: +27 (0)11 833 1400 Fax: +27 (0)11 836 1020 E-mail: mike@firedart.co.za Product information: Firedart provides a variety of products that cater for the engineering sector including contracts all works, erection all risks, plant all risks, machinery breakdown, including business interruption and deterioration of stock, works damage. Firedart also

specialises in construction guarantees/bonds and can structure a tailor-made solution to cater to unique requirements. Products: Contract works, plant all risks, machinery breakdown, business interruption, deterioration of stock, works damage, electronic equipment, construction guarantees/bonds. Firedart Engineering Underwriters recently merged with Construction Guarantee to ensure a more comprehensive cover to clients in the engineering sector.

Performance and Customs Bond Services (Pty) Ltd Postal address (head office): PostNet Suite 353, Private Bag X30500, Houghton, 2041 Website: www.pcbs.co.za Phone: +27 (0)11 482 2101/5981/8012 E-mail: info@pcbs.co.za Products: • Bid bonds (letter of intent) • Performance guarantees • Maintenance guarantees • Retention guarantees 82

UMA Directory 2012

Corporate property and engineering insurance

Corporate property and engineering insurance Emerald Risk Transfer (Pty) Ltd Physical address (head office): Suite 354, Private Bag X51, Bryanston, 2021 Website: www.emeraldsa.co.za Phone: +27 (0)11 658 8200 Fax: +27 (0)11 658 8230 E-mail: info@emeraldsa.co.za Product information: Emerald is currently the largest corporate property and engineering underwriter in South Africa and underwrites business throughout the African continent. Emerald currently offers solutions to over 500 clients

within Africa, and about 75 of these are within South Africaâ&#x20AC;&#x2122;s top 100 companies. The solutionorientated approach of the Emerald team to create sustainable, quality products is part of its culture. This flexible approach, coupled with the support of the excellent reinsurer panel, allows Emerald to be truly innovative. The aim of the company is not to be the cheapest by cutting corners, but rather to be the best by offering expertise and skill. Find us on Facebook: www.facebook.com/ emeraldrisktransfer.

UMA Directory 2012

Court bonds / Credit insurance

Court bonds Shackleton Risk Management C

Postal address (head office): PO Box 393, Strathavon, 2031 Website: www.shackletonrisk.co.za Phone: +27 (0)11 784 5373 Fax: +27 (0)86 611 3226 E-mail: michael@srisk.co.za Product information: SRM has been in the business of placing liquidation bonds in the KwaZulu-Natal province of South Africa since 1999. Today, the company has representation

in all major city centres in South Africa and issues guarantees totalling billions of Rand annually to leading liquidators across the country. In addition to the liquidation bonds being offered in its guarantee line, Shackleton Risk Management now also offers executor bonds and curator bonds to attorneys, accountants and professional liquidators in the market. For more information, please contact Craig Brigg on craig@srisk.co.za or telephone: +27 (0)33 264 8500.

Credit insurance Coface SA Services (Pty) Ltd Website : www.cofaceza.com Phone: +27 (0)11 208 2500 Product information: Coface SA is a credit insurance company. The Global Protector is a 12-month contract providing credit protection on all of a companyâ&#x20AC;&#x2122;s customers, regardless of where they are located, locally or internationally. The company is covered

UMA Directory 2012

for non-payment, including political risk, in the event of an export transaction and insolvency. The Managed Protector product requires the insured to submit the month-end age analysis on a monthly basis. In addition to the normal benefits of credit insurance, this product provides a credit management report which assists the insured in accurately and efficiently controlling the debtorsâ&#x20AC;&#x2122; book. Pinnacle Protector is specifically aimed at those companies wanting to insure themselves against the insolvency of one of their larger customers. A major buyer level is agreed and all clients above this value are insured against insolvency. The Venture Protector is a cost-effective low admin credit insurance product aimed at small to medium enterprises, with a credit turnover of less than R40 million per annum.

Credit protection

Credit protection Infinite Credit Underwriting Managers (Pty)Ltd Postal address (head office): PO Box 17971, Sunwardpark, 1470 Website: www.i-credit.co.za Phone: +27 (0)11 893 1250 Fax: +27(0)86 611 4878 E-mail: jkok@i-credit.co.za

provided the client adheres to the conditions of the policy. Personal Accident: Cover for death or permanent disability from any accident-related event (not just motor) to the value of R20 000.

Product information: Top-up: Covers the difference between what your underlying insurance pays and what is outstanding with the credit provider up to R200 000. We contribute R3 000 towards your excess paid, subject to a legitimate shortfall claim and not exceeding the actual excess. Deposit Protector: Protects your deposit against the depreciation of the vehicle. If you have a write-off, theft or hijacking, we will refund your deposit or part thereof to allow you to purchase your new vehicle. Instalment Protector: Pays your finance instalment for two months in the event of your vehicle being stolen, hijacked or written off. Credit Protection: Credit protection insurance (CPI) â&#x20AC;&#x201C; in the event of death or permanent disablement, the outstanding balance with the credit provider is settled in full

UMA Directory 2012

Credit shortfall

Credit shortfall Infinite Credit Underwriting Managers (Pty)Ltd Postal address (head office): PO Box 17971, Sunwardpark, 1470 Website: www.i-credit.co.za Phone: +27 (0)11 893 1250 Fax: +27 (0)86 611 4878 E-mail: jkok@i-credit.co.za

Product information: Top-up: Covers the difference between what your underlying insurance pays and what is outstanding with the credit provider up to R200 000. We contribute R3 000 towards your excess paid, subject to a legitimate shortfall claim and not exceeding the actual excess. Deposit Protector: Protect your deposit against the depreciation of the vehicle. If you have a write-off, theft or hijacking, we will refund your deposit or part thereof to allow you to purchase your new vehicle. Instalment Protector: Pays your finance instalment for two months in the event of your vehicle being stolen, hijacked or written off. Credit Protection: Credit Protection Insurance (CPI) â&#x20AC;&#x201C; In the event of death or permanent disablement, the outstanding balance with the credit provider is settled in full provided the client adheres to the conditions of the policy. Personal Accident: Cover for death or permanent disability from any accident-related event (not just motor) to the value of R20 000.

UMA Directory 2012

Curator bonds

Curator bonds Shackleton Risk Management Postal address (head office): PO Box 393, Strathavon, 2031 Website: www.shackletonrisk.co.za Phone: +27 (0)11 784 5373 Fax: +27 (0)86 611 3226 E-mail: michael@srisk.co.za

bonding market. Many curators battle to find capacity in the local market for bonds of this nature but SRM, in conjunction with Safire, is able to provide attorneys, accountants and liquidators cover for bonds of any size.

Product information: Shackleton Risk Management, with experience in the insurance guarantee market, has targeted the curator

UMA Directory 2012

The letters “D&E”

D&E

D&E – 10 facts about extreme activities cover

5. Road cycling is the most dangerous sport with the most injuries that is not considered to be an extreme sport.

6. Extreme sports or activities are classified based on where they take place: air-, land- or waterbased.

7. The high levels of adrenaline, dopamine, endorphins and serotonin released as a result of physical exertion in situations with an element of fear are thought to be the source of the rush and appeal of extreme activities.

8.Extreme activities have given rise to the adventure tourism industry, a growing industry in South Africa. 1. Popular extreme activities in South Africa include skydiving, bungee jumping, mountaineering, whitewater rafting, yachting and cave diving. 2. Frequent injuries occur at the annual Running of the Bulls in Pamplona, Spain, and 15 people have died since 1910. 3. Bungee jumping originated in New Zealand. 4. New Zealand also developed zorbing – an activity which involves participants hurling themselves down a slope while inside a large plastic ball.

UMA Directory 2012

9. Cave diving and BASE jumping are considered to be among the most dangerous extreme activities.

10. BASE jumping is illegal in many countries.

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UMA Directory 2012

Directors’ and officers’ liability insurance

Directors’ and officers’ liability insurance Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za

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Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions to a broad spectrum of industries in South Africa. Camargue’s unique product offering uses the M3 principle. This is to manage, mitigate and migrate critical business risks. The company was founded in 2001 to meet the rapidly changing risk transfer needs of businesses operating in Southern African. Some of our products include: • directors’ and officers’ liability • employment practice liability • pension fund trustee liability • Camargue general liability • Camargue commercial crime • broker professional indemnity • body corporate trustees • clinical trials • directors’ and officers’ and fidelity guarantee for financial institutions • medical malpractice for medical establishments and practitioners • professional indemnity for corporates • cyber liability. Each Camargue policy includes value-added services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll out and delivery of its services. With the aim of nurturing up-and-coming talent in the industry, in 2008, Camargue joined forces with the WITS Business School offering a scholarship worth more than R60 000 to students who wish to complete a masters of commerce degree. A further two scholarships are offered for a bachelor of commerce with honours in risk management and insurance. For the existing industry, Camargue offers the Broker Liability 90

UMA Directory 2012

Directors’ and officers’ liability insurance

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Hollard Liability Postal address (head office): PO Box 87419, Houghton, 2041 Website: www.hollard.co.za Phone: +27 (0)11 351 3000 Fax: +27 (0)11 351 8013 E-mail: bobst@hollard.co.za Product Information: We provide security in the form of negligence, errors and omissions cover for all professional firms, including, but not limited to, attorneys, architects, accountants, insurance intermediaries,

Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: + 27 (0)11 447 0081 E-mail: taylora@sha.co.za Product information: Directors’ and officers’ liability insurance – SHA is the market leader when it comes to crime and civil liability coverage of financial institutions as well as directors and officers and commercial crime for all other entities. SHA was the first company in

South Africa to offer bankers blanket bond-type policies and has over 20 years’ experience on which to model its underwriting philosophy. The nature of this business is long-tail; therefore understanding market and claim trends when pricing risks is of paramount importance. SHA underwriters work very closely with their clients to provide tailor-made solutions for each client’s needs, as no two businesses are mirror images of each other, and it is not possible to provide a one-size-fits-all commoditised product to cater for crime and civil liability exposures. UMA Directory 2012

Niche disability

Niche disability FMI Postal address (head office): PO Box 223, Mount Edgecombe, 4300 Website: www.fmi.co.za Phone: +27 (0)86 010 5208 Fax: +27 (0)31 502 5252 E-mail: sales@fmi.co.za

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Product information: Since 1995, FMI has maintained its position in the market place as income protection specialists who are pioneers in the development of disability benefits to small business owners. Its exclusive focus on disability insurance to the small business market has enabled FMI to develop core expertise in this space. No-one else in the insurance industry specialises solely in the provision of income protection solutions to this market, where a temporary loss of income could have a devastating and permanent impact on their livelihood, dependents and business. FMIâ&#x20AC;&#x2122;s

UMA Directory 2012

products are underwritten by Lombard Life, and include Business Person Elect for self-employed individuals and Vision for employees.

Employment practices liability

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Employment practices liability Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions to a broad spectrum of industries in South Africa. Camargue’s unique product offering uses the M3 principle. This is to manage, mitigate and migrate critical business risks. The company was founded in 2001 to meet the rapidly changing risk transfer needs of businesses operating in Southern African. Some of our products include: • directors’ and officers’ liability • employment practice liability • pension fund trustee liability • Camargue general liability • Camargue commercial crime • broker professional indemnity • body corporate trustees • clinical trials • directors’ and officers’ and fidelity guarantee for financial institutions • medical malpractice for medical establishments and practitioners • professional indemnity for corporates • cyber liability.

Each Camargue policy includes value-added services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll out and delivery of its services. With the aim of nurturing up-and-coming talent in the industry, in 2008, Camargue joined forces with the WITS Business School offering a scholarship worth more than R60 000 to students who wish to complete a masters of commerce degree. A further two scholarships are offered for a bachelor of commerce with honours in risk management and insurance. For the existing industry, Camargue offers the Broker Liability Academy. Launched in July, 2011, the Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website. UMA Directory 2012

Employment practices liability / Engineering risks and engineering insurance Leppard and Associates (Pty) Ltd Postal address (head office): PO Box 2730, Houghton, 2041 Website: www.leppard.co.za Phone: +27 (0)11 459 1640 Fax: +27 (0)11 268 5887 Contact person: Simon Leppard E-mail: simon@leppard.co.za

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Product information: Employment practices liability insurance is one of the coverage options available through Leppard and Associates.

Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: + 27 (0)11 447 0082 E-mail: kirkd@sha.co.za

Engineering risks and engineering insurance AC and E Engineering Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 752189, Gardenview, 2047 Website: www.engineeringace.co.za Phone: +27 (0)11 615 7529 or +27 (0)84 608 2134 Fax: +27 (0)11 615 9360 E-mail: anne-marie@engineeringace.co.za Product information: Contract Works (CAR) – Comprehensive all risks cover intended for the erection of anything from private houses, cluster homes, small blocks of flats up to large projects, such as shopping centres, sugar mills, power stations, refineries, as well as infrastructure such as bridges, roads, dams, water reticulation and pipelines. This cover will also extend to projects such as the installation of air conditioning and painting contractors. Because of the different nature of the various policies available, each policy is subject to exclusions and conditions that are particular to the covers afforded by the various policies. The policy covers the construction site against the following subject to the standard terms and conditions as outlined in the policy wording: storm, fire, water, subsidence, collapse, landslip, earthquake, cyclone, theft, transit, 94

UMA Directory 2012

malicious damage, damage to underground services, third party damages. Plant All Risks (PAR) – Loss of or damage to construction plant and equipment. Plant all risks will cover items such as earthmoving equipment, cranes, pumps, air compressors, etc. In addition, standard cover is available for hiring costs, legal liability arising out of the hire and continuing hire charges. AC and E also offers third party liability for plant on site. This policy will cover risks such as fortuitous working accidents, theft, fire, faulty operation, overturning, as well as natural perils such as earthquake, storm, flood, collision, etc. Machinery Breakdown (MB) – Sudden accidental and unforseen physical loss of or damage to machinery and plant arising from mechanical/electrical breakdown. The cover will include repairs to the machine and in case of a total loss the insured will be indemnified. Other products include loss of profits (LOP), deterioration of stock (DOS), dismantling, transit and erection, computer and electronic equipment (EEI) and construction guarantees/bonds.

Engineering risks and engineering insurance Consort Technical Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 520, Banbury, 2164 Website: www.consort.co.za Phone: +27 (0)11 658 1556 Fax: +27 (0)11 658 1175 E-mail: andrew@consort.co.za Product information: Consort’s contractors’ all risks insurance covers all types of building and civil engineering construction and indemnifies the insured against the hazards which may threaten works under construction. In addition, Consort is also able to cater for erection all risks, contractors’ third party liability, plant all risks, electronics all risks, machinery breakdown and loss of profits following machinery breakdown. Underwritten on behalf of Lombard Insurance Company Limited.

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Engineering risks and engineering insurance Etana Insurance

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Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 5218 E-mail: nicksw@etana.co.za Product information: For anything that is being built, transported, erected or assembled – using concrete, bricks, mortar, nuts or bolts – Etana has the specialist product to fit the individual risks. No project

is too small, large, simple or complex. We protect all projects with dedication and industry specific expertise. We cover contractors’ all risks, erection all risks, plant all risks, advance loss of profits/delay in start-up, machinery breakdown, machinery breakdown, consequential loss, public liability, removal of support, employer’s liability, electronic equipment, deterioration of stock, construction guarantees, performance, retention, advance payment bid bonds and materials on site.

FDM Engineering Underwriters (Pty) Ltd Postal address (head office): PO Box 10522, Fonteinriet, 1464 Phone: +27 (0)11 823 6368 Fax: +27 (0)11 823 6295 E-mail: fergus@oaktreesa.co.za Product information: Contractors all risks, plant all risks, machinery breakdown, breakdown loss of profits, erection all risks, and applied electronics. We also write commercial.

The most experienced team in the industry. ETANA CONSTRUCTION, ENGINEERING & GUARANTEES

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Etana is an Authorised Financial Service Provider

2011/12/08 12:56 PM

Specialist in engineering, plant and contractors all risks.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED FDM Engineering Underwriters (Pty) Limited Contact Details: 5FM r 'BY 5VS UPO 3PBE #PLTCVSH 8FTU r 1 0 #PY 'POUFJOSJFU fergus@oaktreesa.co.za 3FHJTUSBUJPO /P r '41 -JDFOTF /VNCFS

UMA Directory 2012

Engineering risks and engineering insurance Firedart Engineering and Construction Guarantee Postal address (head office): PO Box 62660, Marshalltown, 2107 Website: www.firedart.co.za Phone: +27 (0)11 833 1400 Fax: +27 (0)11 836 1020 E-mail: mike@firedart.co.za

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Product information: Firedart provides a variety of products that cater for the engineering sector including contracts all works, erection all risks, plant all risks, machinery breakdown, including business interruption and deterioration of stock, works damage. Firedart also specialises in

construction guarantees/bonds and can structure a tailor-made solution to cater to unique requirements. Products: Contract works, plant all risks, machinery breakdown, business interruption, deterioration of stock, works damage, electronic equipment, construction guarantees/bonds. Firedart Engineering Underwriters recently merged with Construction Guarantee to ensure a more comprehensive cover to clients in the engineering sector.

HIC Underwriting Managers Pty Ltd Postal address (head office): PO Box 2253, Bedfordview, 2008 Website: www.hicsa.co.za Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 E-mail: info@hicsa.co.za Product information: Seamless – This product includes renovations and alterations to existing structures or the building of new structures within the hospitality industry only

– such as bed and breakfast establishments, lodges, guesthouses, restaurants, hotels, conference and convention centres, game farms and lodges and timeshare and resorts. The policy is truly seamless and provides cover for the contract works and, following the successful commissioning or handing over of the assets, can be structured to offer all the unique benefits of our commercial products at no additional cost or as an optional extension.

Kiln SA (Pty) Limited Postal address (head office): PO Box 3304, Rivonia, 2128 Website: www.kilngroup.com Phone: +27 (0)11 612 9300 Fax: +27 (0)11 234 1557 E-mail: graham.jefferies@kilngroup.com Product information: We offer contract and erection all risks, plant all risks and contractors’ liability covers. We provide cover for building and civil engineering contracts in the form of building works, concrete works and earthworks, own 98

UMA Directory 2012

and hired plant, and liability arising from any of the work undertaken by contractors. Our wording is flexible and we like to forge partnerships with brokers and insureds specialising in these fields.

Engineering risks and engineering insurance Mirabilis Engineering Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2081, Saxonwold, 2132 Website: www.mirabilisafrica.com Phone: +27 (0)86 110 0100 Fax: +27 (0)11 880 6857 E-mail: info@mirabilisafrica.com FSP number: 28190 Product information: Mirabilis offers a range of engineering insurance cover that provides for all engineering needs. These include: • Contractors’ all risk (CAR) • Engineering project insurance cover (EPIC) • Advance loss of profits insurance (ALOP) • Contractors’ plant and equipment insurance (CPE) • Plant all risk insurance (PAR) • Machinery breakdown insurance (MB) • Loss of profits following machinery breakdown insurance (MLOP)

• Deterioration of stock insurance (DOS) • Electronic equipment insurance (EEI) • Civil engineering completed risks (CECR) Mirabilis Engineering Underwriting Managers (Pty) Ltd is underwritten by Santam (FSP Number: 3416)

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Engineering risks and engineering insurance Risk Technical Services Postal address (head office): PO Box 803, Cramerview, 2060 Website: www.rtspi.co.za Phone: +27 (0)11 463 1101 Fax: +27 (0)11 463 0249 E-mail: cwhitfield@rtsce.co.za or dwozny@rtspi.co.za

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Product information: Backed by the Fitch A+ rated RMB Structured Insurance Ltd, under whose insurance licence we accept business, RTS is a major player in the specialised liability and construction and engineering markets. Risk Technical Services (Pty) Ltd is an authorised financial services provider – Registration number: 2005/001652/07, FSP number: 41202. Our product offering includes: • contract works insurance • plant all risk insurance • machinery breakdown • electronic equipment • liability • removal of support • delay in start up • contractors’ liability • marine and marine DSU (for material to be incorporated into the works).

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Professional Indemnity offering: • annual policy • project-specific policy • annual design and construct policy. Liability: • general public liability, including tenants’ and property owners’ liability • products liability • mitigation expenses • employer’s liability • defective workmanship • excess of loss cover. The team is dedicated to supporting our brokers and their clients, and with a collective 130 years of underwriting and claims experience, we can provide technical guidance and assistance on all aspects of construction and engineering and professional indemnity insurance. Contact people: Keith Mumford – 082 3778364, Andrew Brown – 082 6547400, Debbie Wozny – 084 5888695, Neal Helps – 082 4654169, Dirk Gouws – 083 2687482 or Caron Whitfield – 082 9028382. Johannesburg office: +27 (0)11 463 110, Cape Town office: +27 (0)21 526 0372.

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Engineering risks and engineering insurance / Environmental impairment liability Scintilla (Pty) Ltd (Hollard) Postal address (head office): PO Box 2770, Houghton, 2041 Website: www.scintilla.co.za Phone: +27 (0)11 646 1715 Fax: +27 (0)11 646 0710 E-mail: info@scintilla.co.za

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Product information: • Contractors all risks – Covers building, civil and mechanical engineering projects against risks during construction or erection (e.g. flooding and fire). Covers third party liability risks and loss of profits as a consequence of a delay in project start-up. • Plant all risks – Covers construction plant and machinery against risks of external damage (e.g. accidents on site) and theft. • Machinery breakdown – Covers machinery against risks of breakdown (e.g. from defects in material, faults in assembly). Loss of profits as a consequence of machine’s down-time can be covered. • Electronic equipment insurance – Covers electronic/computer equipment against

risks of external damage (e.g. impact), breakdown and theft. Loss of profits as a consequence of machine’s downtime can be covered. • Civil engineering completed risks – Covers civil engineering projects against natural hazards after construction is completed. Loss of profits as a consequence of the damage can be covered. Scintilla is a leading contracting and engineering underwriting manager with 100 years of combined management expertise. We can support our brokers servicing the construction and engineering sector and can be a driving force behind successful and sustainable development and opportunities within construction and engineering in Africa. We are positioned to provide our partners with support, focused insurance products and tailored solutions. Our recent infrastructure projects include: major airports, Soccer World Cup stadiums, roads and bridges.

Environmental impairment liability Envirosure Underwriting Managers Phone: +27 (0)31 205 4918 FSP number: 38594 Products: Envirosure Underwriting Managers’ environmental liability and clean-up

insurance provides indemnity against a range of environmental incidents including contamination and rehabilitation for transporters carrying hazardous goods.

UMA Directory 2012

Product information: Leppard offers environmental hazardous material and spillage clean-up policies, which cover the costs for environmental clean-ups related to the spillage of hazardous materials and chemicals.

Environmental impairment liability Synergy Targeted Risk Solutions (Pty) Ltd Postal address (head office): PO Box 1623, Mondeor, 2110 Website: www.starsol.co.za Phone: +27 (0)11 432 3538 Fax: +27 (0)11 432 3442 E-mail: info@starsol.co.za Product information: Pollution liability cleanup costs, the spillage of hazardous products, etc. could prove crippling, not only for the environment, but also for the transporter or stower of the goods. Environmental liability remediation cover, broad-form public liability insurance, excess of loss and public liability insurance is offered. Our mission: Synergy is dedicated to providing insurance products that provide quality protection, value pricing and financial security. We aim to establish successful

partnerships with our clients, our brokers, our partner companies and our staff that respect the interests and goals of each party; and to serve others as we would like to be treated.

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Event liability

Event liability Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za

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and insurance. For the existing industry, Camargue offers the Broker Liability Academy. Launched in July, 2011, the Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

Event liability

AN APPEALING ACT D E

KEU Underwriting Managers CC

Product: Entertainment â&#x20AC;&#x201C; film, commercials, agencies, weather, cancellation, event liability. Product information: We provide cover for all entertainment-related risks, including film and commercial, which will extend to include nominated key cast and crew, negative, faulty stock, extra expenses, miscellaneous equipment, props, sets and wardrobe, location cover and all required public and employerâ&#x20AC;&#x2122;s liability. The cover can also be extended to include motor (hired-in and action) as well as personal accident for all cast and crew, stuntmen and the like. Our other products are event cancellation, which could extend to include nonappearance, weather, riot and strike, etc. Event liability for all non-personal events and sub-sections, which include food and drink, sub-contractors, freelance cast and crew, exhibitors and the like. We also offer prize indemnity, such as hole-in-one, statistical odds and fishing competitions.

After years of inspiring performances in its own productions, KEU brought its flexibility and creative dexterity to the Centriq stage earlier this year. The captivating combination of benefits enhances performance and ensures that projects in the film, television, events and entertainment industries get the right cover for their specific risks. Tailor-made insurance solutions have always been a hallmark of our performance. Add an insightful portrayal of unparalleled service excellence and the final product is worthy of energetic applause. KEU underwritten by Centriq, will partner only with registered short term brokers to ensure your risk is covered.

KEU Underwriting Managers CC underwritten by Centriq Insurance Company Limited, will partner only with registered short term brokers to ensure your risk is covered.

Contact Denise Hattingh 0861 00 0090 e-mail: denise@keu.co.za www.keu.co.za Authorised FSP: KEU 5076 Authorised FSP: CENTRIQ 3417

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Postal address (head office): Suite 125, Private Bag X10030, Randburg, 2125 Website: www.keu.co.za Phone: +27 (0)86 100 0090 Fax: +27 (0)86 100 0030 E-mail: denise@keu.co.za

Event liability Network Liability Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 1281, Randpark Ridge, 2156 Website: www.networkliability.co.za Phone: +27 (0)11 475 3585 or +27 (0)11 475 0318 Fax: +27 (0)11 675 0094 E-mail: shirley@networkliability.co.za

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broad-form liability covers â&#x20AC;&#x201C; general liability, products liability, products guarantee/ recall, excess of loss motor liability, contractorsâ&#x20AC;&#x2122; liability, piling liability, event liability, professional indemnity/errors and omissions covers for most professions, misappropriation of trust funds cover, and medical malpractice insurance for allied health professionals and institutions.

Event liability Tourism Risk Underwriting Managers Postal address (head office): PO Box 250, Umhlanga Rocks, 4320 Website: www.trum.co.za Phone: +27 (0)31 562 0426 Fax: +27 (0)31 562 0025 Email: info@trum.co.za

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Product information: We are specialists in tourism, hospitality and wildlife insurance. As Lloydâ&#x20AC;&#x2122;s cover holders we are easily able to tailor-make solutions for our niche market. We offer asset protection (property damage and asset all risks solutions available) for all construction types, including thatch, throughout sub-Saharan Africa, motor (subSaharan territorial limits) and passenger liability (sub-Saharan territorial limits). Indemnity limits up to R100 million and general public liability indemnity limits up to R100 million (basic and broadform solutions). Cover for clients or risks throughout sub-Saharan Africa and worldwide jurisdiction can be obtained. Wildlife transit and all risk of mortality covers are available. We also offer evacuation and comprehensive medical evacuation cover for guests in the event of a life-threatening medical emergency following body injury or illness throughout sub-Saharan Africa.

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Excess of loss fidelity/money/burglary / Excess of loss liability

Excess of loss fidelity/money/burglary Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)447 0081 E-mail: taylora@sha.co.za

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Tourism Risk Underwriting Managers Postal address (head office): PO Box 250, Umhlanga Rocks, 4320 Website: www.trum.co.za Phone: +27 (0)31 562 0426 Fax: +27 (0)31 562 0025 E-mail: info@trum.co.za Product information: We are specialists in tourism, hospitality and wildlife insurance. As Lloyd’s cover holders we are easily able to tailor-make solutions for our niche market. We offer asset protection (property damage and asset all risks solutions available) for all construction types, including thatch, throughout

sub-Saharan Africa, motor (sub-Saharan territorial limits) and passenger liability (subSaharan territorial limits). Indemnity limits up to R100 million and general public liability indemnity limits up to R100 million (basic and broad-form solutions). Cover for clients or risks throughout sub-Saharan Africa and worldwide jurisdiction can be obtained. Wildlife transit and all risk of mortality covers are available. We also offer evacuation and comprehensive medical evacuation cover for guests in the event of a life-threatening medical emergency following body injury or illness throughout subSaharan Africa.

Excess of loss liability Network Liability Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 1281, Randpark Ridge, 2156 Website: www.networkliability.co.za Phone: +27 (0)11 475 3585 or +27 (0)11 475 0318 Fax: +27 (0)11 675 0094 E-mail: shirley@networkliability.co.za Product information: Network is a specialist liability and professional indemnity underwriting agency, writing for Guardrisk Insurance Company. We have R100 million capacity 108

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lead by Munich Reinsurance Company. We underwrite primary, excess of loss and umbrella policies. We underwrite broad-form liability covers – general liability, products liability, products guarantee/recall, excess of loss motor liability, contractors’ liability, piling liability, event liability, professional indemnity/errors and omissions covers for most professions, misappropriation of trust funds cover, and medical malpractice insurance for allied health professionals and institutions.

Executor bonds / Extreme activities cover

Executor bonds Shackleton Risk Management Postal address (head office): PO Box 393, Strathavon, 2031 Website: www.shackletonrisk.co.za Phone: +27 (0)11 7845373 Fax: +27 (0)86 611 3226 E-mail: michael@srisk.co.za Product information: Executors of deceased estates are governed by the Administration of Estates Act 66 of 1965, as amended, and are appointed by the Master of the High Court. When drawing

up their will, a person may nominate an executor of their choice to administer their estate on their death. Unless the nominated executor has been exempted from furnishing security, or is the parent, spouse or child of the deceased, such executor is required to furnish the Master of the High Court with a Bond of Security in terms of the Act. Shackleton Risk Management offers executor bond cover to attorneys, accountants and liquidators appointed to administer deceased estates.

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Extreme activities cover Tourism Risk Underwriting Managers Postal address (head office): PO Box 250, Umhlanga Rocks, 4320 Website: www.trum.co.za Phone: +27 (0)31 562 0426 Fax: +27 (0)31 562 0025 E-mail: info@trum.co.za Product information: We are specialists in tourism, hospitality and wildlife insurance. As Lloydâ&#x20AC;&#x2122;s cover holders we are easily able to tailor-make solutions for our niche market. We offer asset protection (property damage and asset all risks solutions available) for all construction types, including thatch, throughout sub-Saharan Africa, motor (subSaharan territorial limits) and passenger liability (sub-Saharan territorial limits). Indemnity limits up to R100 million and general public liability indemnity limits up to R100 million (basic and broadform solutions). Cover for clients or risks throughout sub-Saharan Africa and worldwide jurisdiction can be obtained. Wildlife transit and all risk of mortality covers are available. We also offer evacuation and comprehensive

medical evacuation cover for guests in the event of a life-threatening medical emergency following body injury or illness throughout sub-Saharan Africa. UMA Directory 2012

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The letters “F&G”

F&G

F&G – 10 facts about flight cover

5. The largest commercial passenger airplane is the Airbus A380 which provides seating for up to 525 in a traditional three-class configuration.

6. Flight cover can include aircraft hull all risks, war risks, legal liability, repairer’s liability and personal accident insurance.

7. South African celebrities, Hansie Cronje and Worsie Visser lost their lives in airplane crashes.

8.The airline crashes of 11 September 2001 in New York are the worst air disasters to date measured by their death toll of more than 2 800 lives (in the aircraft and on the ground).

1. The first airplane flight was recorded on 17 December 1903 by the Wright brothers. 2. The first successful military airplane was the 1909 Wright Military Flyer. 3. Flight cover can be secured for small aircraft, vintage or new, piston or jet-engines, micro-lights and hot air balloons. 4. Hot air ballooning is normally considered to be a serene pastime. However, several hot air balloon crashes have taken place in recent years including a fatal incident in January 2011 in the UK, in which two people were killed.

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10. It takes approximately 51 weeks (nearly a year) of training to obtain a commercial pilot’s license.

9. In order for a micro-light to take to the air legally, the pilot must have a valid MPL (micro-light pilot’s license), be a paid up member of MISASA (Micro-light Section of the Aero Club of South Africa), and have valid third party insurance. The aircraft must also have a valid Authority to Fly from the CAA (Civil Aviation Authority).

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Factory and industrial

Factory and industrial Alternative Commercial Acceptances (Pty) Ltd Postal address (head office): PO Box 504, Fauna Park, Polokwane, 0787 Website: www.acaselect.co.za Phone: +27 (0)87 808 5040 or +27 (0)87 808 5599 Fax: +27 (0)86 620 0174 E-mail: leon@acaselect.co.za / francois@ acaselect.co.za FSP number: 39835

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Product information: ACA is a registered financial services provider with an underwriting arrangement with Western National Insurance Company Ltd. Commercial lines: We write all general lines of short-term insurance, with preference to commercial business (small to medium industries). Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2585 E-mail: andrev@etana.co.za Product information: Etana’s corporate insurance delivers protection for your clients with major asset values, where specific and specialist covers are required. Your potential corporate clients include: Large commercial and industrial risks – mining, parastatals, multinational corporations and business involving foreign territories. We deliver specialist attention and expertise in this defined insurance category where extraordinary values are involved. Etana has a keen eye on business in Africa and is well placed to handle corporate insurance throughout the continent.

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Hospitality lines: We are able to write hospitality business – lodges, hotels, game and hunting farms, guesthouses and related risks. Personal lines: We have a very competitive personal lines product with a well balanced rating approach to the risks that we would like to acquire. Farming lines: We can provide a wide range of covers that will cater for the needs of commercial and bona fide farming entities. Niche product: Turtle I’Cover – We have a market first in this product where we are breaking boundaries to extend existing clients’ cover to ensure that they are not left with a shortfall when experiencing a claim. See our product-specific details on www.turtlecover.co.za.

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Factory and industrial HIC Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2253, Bedfordview, 2008 Website: www.hicsa.co.za Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 E-mail: info@hicsa.co.za

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Product information: We offer insurance solutions across the C&I arena. Manufacturing – Strong focus on risk management to help intermediaries identify risks, minimise potential impact, maximise the opportunity to improve the risk and offer an optimal insurance solution. Retail – Comprehensive product to protect companies’ most valuable assets with fast claims turnaround times to ensure minimum post-loss disruptions.

Motor fleets – Design the perfect programme for your client with options of aggregates, stop losses and deposit premiums. Directors’ and officers’ – Designed for the private company with a turnover of under R50 000 000, covering the directors’ and officers’ management liability exposures. Conventional insurance product – Brokers are now able to offer entrepreneurial businesses and institutions tailor-made packages that will create individual value and offer professional personalised service. Affinity – For professionals, doctors, dentists, vets and optometrists and is rated on turnover.

Commercial buildings – Accidental damage, liability and trustees’ liability are only some of the automatic extensions crucial for the commercial property owner.

Factory & Industrial Postal address (head office): PO Box 615, Bedfordview, 2008 Website: www.facind.co.za Phone: +27 (0)11 615 1640 Fax: +27 (0)11 616 3027/ +27 (0)86 665 7777 E-mail: brian@facind.co.za Contact person: Brian Muller – Director Product information: Industrial and manufacturing – Factory & Industrial has a risk management approach to underwriting solutions for the more hazardous classes of insurance. Services include: Specialist fire and security 114

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assessments, fire surveys for industrial, manufacturing and risks of thatch construction and occupational health and safety audits. Products include: Factory & Industrial insures industries involved in plastics, textiles, engineering, fibreglass, gas, chemicals, etc. We also specialise in the insurance of risks of thatch construction, especially in the hospitality industry (See also F&I’s entries under the Thatch and Hospitality and Leisure indexes). Branches: Durban +27 (0)31 584 7720; Cape Town +27 (0)21 671 1370; Pretoria +27 (0)82 574 9463; Eastern Cape +27 (0)82 780 4556.

Factory and industrial Kiln SA (Pty) Ltd Postal address (head office): PO Box 3304, Rivonia, 2128 Website: www.kilngroup.com/southafrica Phone: +27 (0)11 612 9300 Fax: +27 (0)11 234 1557 E-mail: See contact details below Product information: Kiln celebrates 50 years at Lloyd’s. Property (commercial and industrial) Products include: Commercial and industrial risks, which incorporate: • Fire and accident • Building combined • Business interruption • Offices and office contents • Liability, including broad-form and public liability • Fidelity • Theft • Money • Glass • Motor • Goods in transit • Health and accident

• Film producers • Riot wrap around • Marine • Engineering • Electronic equipment Branch contact details: Johannesburg: Julie Smith – Property director, phone: +27 (0)11 612 9304, e-mail: julie. smith@kilngroup.com or Grant Woodburn – Business development director, phone: +27 (0)11 612 9308, E-mail: grant.woodburn@ kilngroup.com Cape Town: Ian Smith – Deputy regional managing director, phone: +27 (0)21 673 6208, e-mail: ian.smith@kilngroup.com Durban: David Whitmill – Underwriter, phone: +27 (0)31 535 7133, e-mail: david.whitmill@ kilngroup.com

Protecting your clients with major asset values. ETANA CORPORATE & AFRICA

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Etana is an Authorised Financial Service Provider

2011/12/08 12:56 PM

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Fidelity guarantee

Fidelity guarantee Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za

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For the existing industry, Camargue offers the Broker Liability Academy. Launched in July, 2011, the Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

Fidelity guarantee Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2584 E-mail: gizellee@etana.co.za

protecting companies from a financial loss as a result of dishonesty. This holds especially true given the current day and age, where white collar crime, theft & syndicate driven fraud is on the increase on a daily basis. F G

Product information: Etanaâ&#x20AC;&#x2122;s Commercial Crime policy provides the necessary cover

Shackleton Risk Management Postal address (head office): PO Box 393, Strathavon, 2031 Website: www.shackletonrisk.co.za Phone: +27 (0)11 784 5373 Fax: +27 (0)86 611 3226 E-mail: michael@srisk.co.za

liquidators) from theft of their business account funds or their physical assets by dishonest staff members. Our cover can be taken out on named persons, named positions or on a blanket basis and in this way we are able to offer some of the best rates in the market.

Product information: SRMâ&#x20AC;&#x2122;s Fidelity Guarantee product protects practitioners (attorneys and Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: + 27 (0)11 447 0081 E-mail: taylora@sha.co.za Product information: Commercial crime and fidelity guarantee cover.

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Film producers’ indemnity/Film and entertainment

Film producers’ indemnity/Film and entertainment Film & Entertainment Underwriters SA (Pty) Ltd Postal address (head office): Suite 244, Private Bag X17, Weltevreden Park, 1715 Website: www.feusa.co.za Phone: +27 (0)11 431 3694 Fax: +27 (0)11 431 1488 E-mail: clive@feusa.co.za Contact person: Clive Shelver – Managing director

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Product information: Film and Entertainment Underwriters SA specialises in insurance products that are specific to the film and entertainment industries, such as insurance for television commercials, television series, documentaries, music videos and entertainment events. Products include: • Package covering key cast and crew. • Negative and video tape all risks.

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• Faulty stock/camera and processing. • Props, sets and wardrobe. • Third party property damage. • Extra expense. • All risks protection on hired-in film equipment. • Personal accident protection for crew, cast and extras. • Public liability on premises and location. • Employer’s liability. • Motor insurance for hired-in vehicles/action vehicles. • Cancellation, abandonment and weather related risks • Animal mortality. • Events liability.

Film producersâ&#x20AC;&#x2122; indemnity/Film and entertainment

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KEU Underwriting Managers CC Postal address (head office): Suite 125, Private Bag X10030, Randburg, 2125 Website: www.keu.co.za Phone: +27 (0)86 100 0090 Fax: +27 (0)86 100 0030 E-mail: denise@keu.co.za Product information: We provide cover for all entertainment (film, commercials, agencies, weather, cancellation and event liability) related risks, which includes: film and commercial which will extend to include nominated key cast and crew, negative, faulty stock, extra expenses, miscellaneous

equipment, props, sets and wardrobe, location cover and all required public and employerâ&#x20AC;&#x2122;s liability. The cover can also be extended to include motor (hired-in and action) as well as personal accident for all cast and crew, stuntmen and the like. Our other products are event cancellation which could extend to include non-appearance, weather, riot and strike, etc; event liability for all non-personal events and sub-sections that include food and drink, sub-contractors, freelance cast and crew, exhibitors and the like; and prize indemnity such as hole-in-one, statistical odds and fishing competitions. UMA Directory 2012

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Flight cover

Flight cover Santam Aviation Website: www.santam.co.za Phone: +27 (0)11 912 8405 Fax: +27 (0)11 268 6268 E-mail: aviation@santam.co.za

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Product information: Santam Aviation is South Africa’s longest established aviation insurer specialising in products which include: • Corporate aircraft • Private owners and sport classes

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• Charter operators as well as aircraft owner and operators’ liability • Experimental aircraft • Deductible insurance • Agricultural aircraft • Gliders

Fuel guarantee cover and filling station cover

Fuel guarantee cover and filling station cover Garagesure Postal address (head office): PO Box 3375, Randburg, 2125 Website: www.garagesure.co.za Phone: +27 (0)11 791 6602 Fax: +27 (0)11 791 6361 E-mail: leslie@garagesure.co.za

Product information: Retail fuel insurance specialists offering niche underwriting skills for both commercial and retail fuel guarantees. F G

Niche GAP cover

Niche GAP cover Turtle I’Cover (Alternative Commercial Acceptances (Pty) Ltd – FSP number 39835) Postal address (head office): PO Box 504, Fauna Park, Polokwane, 0787 Website: www.turtlecover.co.za Phone: +27 (0)87 808 5040 Fax: +27 (0)86 620 0174 E-mail: leon@acaselect.co.za/francois@ acaselect.co.za

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Product information: This policy has been designed to ensure that you are not left with a gap in cover and are short paid when you have a loss under which your existing policy covers only a limited or restricted amount under the various extensions of your current short-term insurance policy. Turtle I’Cover is a new, innovative and exciting product in which we seek to avoid or reduce your risk of having or finding yourself being short paid due to your underlying policy providing cover for only a reduced or restricted value. Turtle I’Cover provides additional value by paying the claim shortfall, subject to certain limits and cover options that you have selected. Product details and broker packages available. Turtle I’Cover specialises in providing protection from the unforseen policy

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limitations against which we usually expect policies to cater. Cover for: • Where average has been applied to a claim under householders’ and house owners. • Where your policy extensions do not cover your full loss, and you are short paid on your claim. • All risk – ‘I forgot’ cover for items where clients have forgotten to add specified items to their policy. • Pothole cover – Tyre damage following pothole collision. • Gap cover: Most forms of gap cover where your existing limits or cover periods are exhausted. Various other exciting extensions are available. This is a must-have product for brokers seeking to ensure client retention and to avoid conflict when the expected pay-out result is not achieved under the underlying policy. Turtle I’Cover attaches to and follows any underlying policy and can be taken as a standalone cover.

General and broad-form liability

General and broad-form liability Hollard Liability Postal address (head office): PO Box 87419, Houghton, 2041 Website: www.hollard.co.za Phone: +27 (0)11 351 3000 Fax: +27 (0)11 351 8013 E-mail: bobst@hollard.co.za

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Product information: We provide security in the form of negligence and errors and omissions cover for all professional firms, including, but not limited to, attorneys, architects, accountants, insurance intermediaries, engineers, quantity surveyors and medical practitioners, etc. We also underwrite most liability risks for the commercial, construction and retail sectors. We might be the new kids on the block but we have a wealth of experience and an enthusiastic team that is willing and able to provide the requisite technical expertise and service. We come with in excess of 100 years of experience between us and we will go out of our way to assist in finding solutions.

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Goods in transit/inland transit

Goods in transit/inland transit Associated Marine Postal address (head office): PO Box 55182, Northlands, 2116 Website: www.associatedmarine.co.za Phone: +27 (0)11 912 8000 Fax: +27 (0)11 268 0269 E-mail: mike.brews@amua.co.za

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Product information: Land, sea and air – we’ve got you covered, providing wider, flexible cover for all your marine insurance needs. Whether it’s marine cargo, goods in transit, marine hull or marine liabilities – we’ve got it covered.

commercial hull and marine liabilities. Astra Maritime Underwriting Managers underwrites on behalf of Hollard Insurance Company. Goods-in-transit cover falls within the ambit of its marine protection policies.

Product information: Marine cargo – For imports and exports, goods in transit, Beyonda (Pty) Ltd Postal address (head office): PO Box 1860, Bedfordview, 2008 Website: www.beyonda.co.za Phone: +27 (0)11 023 6561 Fax: +27 (0)86 600 0964 E-mail: gerharddb@beyonda.co.za Product information: As market leaders in excess buy-down products, Beyonda provides clients with all their commercial vehicles excess/deductible requirements. Beyonda is also proud to announce that we now offer comprehensive goods-in-transit cover together with goods-in-transit excess buy-back. Protect your cash flow in the event of a loss by insuring your excesses. Our value-added products include: • Comprehensive goods-in-transit cover. • Own damage excess buy-down. • Total loss, including theft/hijacking. • Excess buy-down. • Penalty excess buy-down. 124

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• Own damage and theft/hijacking. • Hazardous chemical pollution liability excess reducer. • Loss of use/income cover. • Third party excess reducer. • Credit shortfall. • Deposit protector. • Tow fee top-up cover. • Goods-in-transit excess reducer. • Stand-alone windscreen cover.

Specie Insurance Assets in Transit & Cash in Transit Products: As leading specie insurance professionals, our tailor made specialist policies are designed to protect diverse commercial assets. We support these policies with intelligent and pragmatic risk management advice, enhanced by our expertise in the complementary disciplines of high valued commodities and cash in transit and coverage for static risks. Inclusions: • Assets in transit (cash, bullion, precious metals, precious stones) • Static Vault cover • Fine art and collectables • ATMs – static and transit exposures • Deposit taking devices – static and transit exposures Extensions: • Fidelity Risk cover • Cover for safes • Device cover

goods in transit insurance Products: Lynx Transit Underwriting Managers provide niche liability and insurances tailor-made for the goods-in-transit sector, specifically owners of commercial transport vehicles and fleets. Lynx brings refreshing new market capacity and expertise. • Conventional Goods in Transit cover for Transport Contractors • Conventional Goods in Transit cover for Owners of goods • Transport Broker Contingent Cover • Once off Risks • Basic Excess reducer • Theft Hijack excess reducer

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AUTOMATIC Extensions: • Container Cover • First loss basis limit • Driver Fidelity • Tarps, nets, straps & Chains • Salvaging Costs • Debris removal • Temporary Storage • Overloading

POLYGON UNDERWRITING AGENCY Tel: 086 110 3000 • Fax: 086 531 3005 www.polygongroup.co.za • info@polygongroup.co.za

QUANTUM LIABILITY UNDERWRITERS Tel: 086 110 3000 • Fax: 086 531 3005 www.qlu.co.za • info@qlu.co.za

An Authorised Financial Services Provider FSP No. 35345 Underwriting Agency for Resolution Insurance Co Ltd Polygon Underwriting Agency (Pty) LTD

We are an authorised representative of Polygon Underwriting Agency (Pty) Ltd - FSP No. 35345 Underwriting Agency for Resolution Insurance Co Ltd. Quantum Liability Underwriters (Pty) Ltd

UMA Directory 2012

Specialist Multi-Security Liability Underwriters Products: Quantum Liability Underwriters provide comprehensive security liability insurance cover, designed specifically for the Security Industry. Inclusions: • General • Pollution • Products • Security Liability • Professional Indemnity • Custody & Control • Firearms • Fidelity Risks Extensions: • Cash-In-Transit • Commercial Legal insurance and advice

Heavy Commercial Vehicle Insurance Products and Services Transporters need assistance in many ways beyond just the insurance of their vehicles. Our services pack includes specialist cover such as Hazmat (hazardous materials spillage and treatment), and a 24-hour support system for vehicle breakdown, towing and recovery as well as load recovery. Our customers have a need for insurance and services of HCV’s, trailers, light delivery vehicles, private type vehicles and special vehicles; excess buy back cover; fleet management assistance; risk sharing schemes; personalised broker services; goods in transit cover; funeral cover for drivers and their families; and expeditious claim settlement.

Lynx Transit Underwriting Managers Tel: 086 110 5969 • Fax: 086 585 6627 www.ltum.co.za • info@ltum.co.za

Lynx HCV Underwriters (Pty) Ltd Tel: (012) 346 6160 • Fax: (012) 346 2856 www.lhcv.co.za • info@lhcv.co.za

We are an authorised representative of Polygon Underwriting Agency (Pty) Ltd - FSP No. 35345 Underwriting Agency for Resolution Insurance Co Ltd. Lynx Transit Underwriting Managers (Pty) Ltd

An authorized financial Service Provider. FSP No. 2880 Underwriting Agency for Resolution Insurance Co Ltd. Lynx Heavy Commercial Vehicle Underwriters

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Goods in transit/inland transit Cargotransit Insurance Underwriting Managers (Pty) Limited

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Postal address (head office): PO Box 22195, Helderkruin, 1725 Website: www.cargotransit.co.za Phone: +27 (0)11 768 3287 or +27 (0)11 768 3086 Fax: +27 (0)86 649 5374 E-mail: info@cargotransit.co.za

• Container liability • Carriers’ legal liability

Product information: Cargotransit Insurance Underwriting Managers specialises in marine and transit insurance: • Imports and exports • Goods in transit • Stock throughput • Pleasure-craft insurance (within the Republic of South Africa) • Household goods and personal effects • Advance loss of profits/increase cost of working

Feroza Evans – phone: +27 (0)11 768 6244, (direct) fax: +27 (0)86 681 6618, e-mail: feroza.evans@cargotransit.co.za

Contact persons: Peter Moodley – phone: +27 (0)11 768 4622, (direct) fax: +27 (0)86 683 1536, e-mail: peter.moodley@cargotransit.co.za

Vanessa Govender – phone: +27 (0)11 768 1369, (direct) fax: +27 (0)86 686 2318, e-mail: vanessa.govender@cargotransit.co.za Zainub Shaikh – phone: +27 (0)11 768 7859, (direct) fax: +27 (0)86 681 1085, e-mail: zainub.shaikh@cargotransit.co.za

Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2626 E-mail: frankp@etana.co.za Product information: Etana Marine’s policy covers the loss or damage to any goods while the property is being transported by road, air,

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rail, or sea within the borders of South Africa. The policy can be issued in the name of the cargo owner or in the name of the authorised entity acting on behalf of the cargo owner; for example the transporter and/or freight forwarder.

in transit andand carrier liability. all risks. SpecialistSpecialist in engineering, plant contractors

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED Goldfield Insurance Administration CC Contact Details: FDM Engineering Underwriters (Pty) Limited Contact Details: Tel (011) r 'BY 5FM r 'BY 4VSSFZ "WF 'FSOEBMF 3BOECVSH r 1 0 #PY 3BOECVSH 5VS UPO 3PBE #PLTCVSH 8FTU r 1 0 #PY 'POUFJOSJFU matthewo@goldfield.co.za fergus@oaktreesa.co.za 3FHJTUSBUJPO /P r '41 -JDFOTF /VNCFS 3FHJTUSBUJPO /P r '41 -JDFOTF /VNCFS

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Goods in transit/inland transit Lynx Transit Underwriting Managers (Pty) Ltd Postal address (head office): PostNet Suite 366, Private Bag X 132, Centurion, 0046 Website: www.ltum.co.za Phone: +27 (0)86 110 5969 Fax: +27 (0)86 585 6627 E-mail: info@ltum.co.za

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Product information: Lynx Transit Underwriting Managers (Pty) Ltd Underwrites on behalf of Resolution Insurance Company Limited. Our products provide niche liability and insurances tailor-made for the goods-intransit sector, specifically owners of commercial transport vehicles and fleets. Lynx brings refreshing new market capacity and expertise. • Conventional goods-in-transit cover for transport contractors. • Conventional goods-in-transit cover for owners of goods.

• Transport broker contingent cover. • One-off risks. • Basic excess reducer. • Theft hijack excess reducer. Benefits with the Lynx Policy: • Container cover (R15 000 for six months and R30 000 for 12 months). • Driver fidelity. • Debris removal @ R30 000 with a nil excess. • Salvaging costs @ R30 000 with a nil excess. • Tarps, nets, straps and chains @ R20 000 with a nil excess. • 72-hour temporary storage. • Five per cent overloading allowance. • Cover on a first-loss basis.

Santam Transport Underwriting Website: www.santam.co.za Phone: +27 (0)11 912 8000 Fax: +27 (0)11 347 9026 E-mail: underwriting.transport@santam.co.za Product information: Santam Transport is the leading heavy commercial vehicle insurer in South Africa, offering the most comprehensive cover together with exceptional service delivery to transport contractors. In addition to the standard commercial motor cover, the product range extends to the following cover: • Excess reducer • Theft/hijacking excess reducer • Credit shortfall • Extended wreckage removal • Extended territorial limits

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• Cross border • Loss of use • Third party excess reducer • Increased third party liability • Towing – mechanical breakdown • One excess – GIT/own damage

Goods in transit/inland transit Transit Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 291, Century City, 7446 Website: www.tum.co.za Phone: +27 (0)86 111 3597 Fax: +27 (0)86 111 3655 E-mail: tum@tum.co.za Product information: Road transit within RSA and SADC countries, specified vehicle basis, one-off covers, contingency covers, ownerdriver and large fleet schemes and excess buy-back options.

First loss limits loading/off-loading, extended basis of valuation for imported and bonded cargo, over-height container extension, overloading extension, additional cover for debris removal, including non-liability clean-up, additional cover for load recovery, incidental storage and consolidation cover as well as driver fidelity extension available.

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Policy Provider Underwriting Managers Postal address (head office): PO Box 654, Hyper by the Sea, 4053 Website: www.policyprovider.co.za Phone: +27 (0)31 566 2322 Fax: +27 (0)31 566 2374 E-mail: sean@policyprovider.co.za Product information: Policy Provider is a niche company that designs and underwrites niche products.

will be paid out in the event that the insured is retrenched. An add-on product which can be added to a domestic line policy or similar, that will insure a premium or payment in the event that the insured is retrenched. A customised product tailored for instalment sale agreements, premium payments or monthly credit agreements.

StayMobile is an add-on or stand-alone product that gives the client the assurance of being mobile in the event of his vehicle being stolen, if he has an accident, the third party insurer cover has been utilised or in the case where the car has to be serviced. The product can be added on to a domestic lines or commercial policy. Specifically packaged products or options can also be arranged. LCVSure accommodates the small- to medium-sized business whose primary requirement is to insure bakkies. TransitSure is a conventional goodsin-transit policy. RetrenchSure offers three products: A stand-alone policy whereby a client can insure a monetary value UMA Directory 2012

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5. Sun City in the North West province opened its doors for the first time in 1979. The letters “H;I&J”

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H;I&J – 10 facts about the hospitality industry 1. The Federated Hospitality Association of Southern Africa (Fedhasa) has been representing the South African hospitality industry since 1949. 2. During the 2010 FIFA World Cup, over 300 000 tourists visited South Africa, spending in the region of R3.6 billion. More than half of these were first-time visitors to the country. 3. Cape Town is the top travel destination in the world according to TripAdvisor’s Choice Awards 2011. 4. Hospitality insurance includes cover for bed and breakfast establishments, guesthouses, hotels and lodges, leisure and other recreational facilities, restaurants and pubs. 132

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6. In South Africa, star ratings are determined by the Tourism Grading Council of South Africa.

7. The Intercontinental Hotel Group is the largest hotel group in the world. It owns the Holiday Inn brand, among others, and offers over 600 000 rooms worldwide.

8. One of the most famous billionaire real estate tycoons and operators of destination resorts is South African Sol Kerzner.

9. Genting Resort in Malaysia is one of the biggest resorts in the world with over 10 000 rooms, its own casino and elaborate theme park.

10.The renowned Cape Grace hotel in Cape Town is a favourite with a number of international celebrities and dignitaries such as former US President Bill Clinton, actor Hugh Jackman and diplomat Kofi Annan.

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Hauliers’ combination insurance

Hauliers’ combination insurance Etana Insurance Physical address (head office): Etana Trucking, Unit 11, Hillcrest Office Park, 2 Old Main Road, Hillcrest, 3610 Website: www.etana.co.za Phone: +27 (0)31 765 6541 E-mail: charlief@etana.co.za or iany@etana.co.za H I J

Product information: We deliver purpose-

designed insurance to fit the individual risk needs of heavy commercial vehicle (HCV) operators – including cars, LDVs and certain special types of vehicles that are a minor part of any HCV fleet. We offer: • heavy commercial vehicle cover • motor third party liabilities • own damage excess reducer • theft and hijacking excess reducer • loss of use cover.

IUM Postal address (head office): Private Bag X10, Gardenview, 2047, Johannesburg Website: www.ium.co.za Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 E-mail: info@ium.co.za Product information: IUM’s heavy commercial vehicle products incorporate a dedicated commercial trucking division which specialises in commercial trucking and transportation insurance. Cover is available for owner-drivers, small fleet and certain large fleet that operate locally and in an intermediate and long-haul radius. Policy benefits and services: • Competitive rates • 24/7/365 claims support • In-house claims settlement

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• Accident scene management • On-site legal services Cover includes: • Fire extinguishing charges • Loss of keys • Search and recovery costs • Third party liability • Towing, wreckage removal • Windscreen cover Optional cover: • Credit shortfall • Cross-border recovery and towing costs • Excess reducer • Extended wreckage removal • Goods in transit • Riot and strike • Truck hire

Health and accident / Heavy commercial vehicle cover

Health and accident Ambledown Risk and Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 1862, Cramerview, 2060 Website: www.ambledown.co.za Phone: +27 (0)86 126 2533 Fax: +27 (0)11 463 1600 E-mail: info@ambledown.co.za Product information: Augmentation of medical schemes through the provision of gap cover

for shortfalls in hospital on the accounts of service providers, in-hospital co-payment cover, in-hospital sub-limitations, out-of-hospital co-payment cover for MRI and CT scans and biological cancer drug treatment. Ambledown is the largest health insurance underwriting manager/administrator providing gap cover through multiple insurers.

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Heavy commercial vehicle cover Beyonda (Pty) Ltd Postal address (head office): PO Box 1860, Bedfordview, 2008 Website: www.beyonda.co.za Phone: +27 (0) 023 6561 Fax: +27 (0)86 600 0964 E-mail: gerharddb@beyonda.co.za Product information: As market leaders of excess buy-down products, Beyonda provides clients with all their commercial vehicle excess/ deductible requirements. Beyonda now offers comprehensive goods-in-transit cover. Protect your cash flow in the event of a loss by insuring your excesses.

• Total loss – including theft/hijacking excess buy down. • Penalty excess buy down – own damage and theft/hijacking. • Goods-in-transit excess buy down. • Loss of use/income cover. • Hazardous chemical pollution liability excess reducer. • Third party excess reducer. • Credit shortfall. • Deposit protector. • Tow fee top-up cover. • Driver death benefit. • Driver impairment benefit. • Stand-alone windscreen cover.

Inclusions: • Own damage excess buy down. UMA Directory 2012

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Heavy commercial vehicle cover CBC Fleet Insurance Solutions Postal address (head office): PO Box 654, Bedfordview, 2008 Website: www.captive.co.za Phone: +27 (0)11 615 3640 Fax: +27 (0)11 615 3678 E-mail: chris@captive.co.za H I J

Product information: All heavy commercial vehicles and yellow items insurance cover. Comprehensive, limited covers, discretionary premium refunds, progressive funds and self-funding options. Own damage cover in Africa, south of the Equator; R50 000 repatriation included.

Etana Insurance Physical address (head office): Etana Trucking, Unit 11, Hillcrest Office Park, 2 Old Main Road, Hillcrest, 3610 Website: www.etana.co.za Phone: +27 (0)31 765 6541 E-mail: charlief@etana.co.za or iany@etana.co.za Product information: We deliver purpose-

Specialist cover for Heavy Commercial Vehicles. ETANA TRUCKING

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Etana is an Authorised Financial Service Provider

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Heavy commercial vehicle cover Merx HCV Postal address (head office): PO Box 4472, Atlasville, 1465 Website: www.merxhcv.co.za Phone: +27 (0)11 455 3838 Fax: +27 (0)11 455 0943 E-mail: info@merxhcv.co.za

claims process. Merxsure is our tailor-made product aimed at the transportation market.

Product information: Merx HCV is a specialist UMA for heavy commercial vehicles. We underwrite on behalf of Mutual & Federal. Heavy commercial vehicles are any vehicles that require license codes C1, C, EB, EC1 and EC. We have a mandate from Mutual & Federal to handle the full underwriting and

Value-added products: • transit cover • own damage excess reducer • theft or hijacking excess reducer • loss of use • credit shortfall • towing cost outside RSA • third party excess reducer • transit own damage excess reducer • transit theft or hijacking excess reducer • environmental impairment liability policy.

Other tailor-made solutions include: • aggregate excess • burning cost • Merxsure funding. H I J

IUM Postal address (head office): Private Bag X10, Gardenview, 2047 Website: www.ium.co.za Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 E-mail: info@ium.co.za Product information: IUM’s heavy commercial vehicle products incorporate a dedicated commercial trucking division which specialises in commercial trucking and transportation insurance. Cover is available for owner-drivers, small fleet and certain large fleet that operate locally and in an intermediate and long-haul radius.

• Third party liability • Towing, wreckage removal • Windscreen cover Optional cover • Credit shortfall • Cross-border recovery and towing costs • Excess reducer • Extended wreckage removal • Goods in transit • Riot and strike • Truck hire

Policy benefits and services: • Competitive rates • 24/7/365 claims support • In-house claims settlement • Accident scene management • On-site legal services Cover includes: • Fire extinguishing charges • Loss of keys • Search and recovery costs

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Heavy commercial vehicle cover Lynx Heavy Commercial Vehicle Underwriters (Pty) Ltd Postal address (head office): PO Box 26460, Monument Park, 0105 Website: www.lhcv.co.za Phone: +27 (0)12 346 6160 Fax: +27 (0)12 346 2856 E-mail: info@lhcv.co.za Product information: Lynx HCV underwrites heavy commercial vehicle insurance, including cars and light delivery vehicles which form part of a fleet, on behalf of Resolution Insurance Company Limited.

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Cover is available for special types (yellow goods), including mobile plant used in construction works. We also specialise in owner-driver operations. We have special rates for transport vehicles operating within a radius

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of 300 kilometres. Buses, taxis and motorcycle risks are excluded. Includes: • Comprehensive cover • Restrictive covers • Profit-sharing incentive schemes • Goods in transit • The transport of hazardous goods • All risks cover • Special types of vehicles • Excess buy-backs including goods-in-transit, penalty, own damage and hazchem buybacks • Loss of use • Credit shortfall

Specialist in partly insured funded heavy commercial vehicle insurance.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED Ownsurance Underwriters (Pty) Limited. Contact Details: 5FM r 'BY 4IPQ C $MVC (BCMFT "OMJO 1SFUPSJB r 1 0 #PY .POUBOB IJMNBS !PXOTVSBODF DPN r XXX PXOTVSBODF DPN 3FHJTUSBUJPO /P r '41 -JDFOTF /VNCFS

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Heavy commercial vehicle cover Omnicover Transport and Transit Acceptances Pty Ltd (Hollard) Postal address (head office): PO Box 304, Bedfordview, 2008 Website: www.otta.co.za Phone: +27 (0)11 022 0701/2/3/4/5 Fax: +27 (0)11 615 1040 E-mail: craigm@oracc.co.za Product information: OTTA is establishing itself as a leading underwriting manager for the commercial motor vehicle market. Our well-rounded team of insurance professionals has extensive knowledge and broad experience of this market. We support brokers’ business needs with our customised product offerings, technical expertise and dedicated service ethic. The core product is based on our unique Commercial Motor Vehicle Comprehensive policy, which has been specifically developed to cater for the risk exposures facing the transport industry. The wording has additional benefits not normally offered on a commercial

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motor policy and we have extended the territorial limits for our clients travelling into Africa. In addition to the traditional insurance policies, we are able to offer various structured deals to clients who require specialised risk funding programmes. Our approach is to underwrite each account on its merits, thus ensuring fair terms for the risk insured. At Omnicover Transport and Transit Acceptances (Pty) Ltd, we understand the meaning of transport and transit insurance. We have an innovative product that caters for small to medium commercial business, as well as national fleets. As premium levels continue to rise, most insurance companies are now demanding more protection and risk management planning and our expertise will help you reduce your insurance costs and prevent potential business damaging issues, thus improving your profitability.

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for individual requirements. We offer the following options of insurance cover: • Excess reducer products, including driver personal accident insurance. • Fire and accident insurance related to the transport operation. Key features of insurance for heavy commercial vehicles: • Individual underwriting to suit the client’s profile. • Various premium payment options available. • Same-day turnaround on underwriting. • Assessors appointed immediately. • Free R10 000 driver personal accident cover in the event of death or total permanent disability to the driver. • Complete range of fire and accident classes available to suit the client’s needs. • One debit order covering Wheelscap and Fire & Accident policies under the transporter’s policy.

HIV life cover / Homeowners’ association

HIV life cover AllLife (Pty) Ltd Postal address (head office): PO Box 787159, Sandton, 2196 Website: www.alllife.co.za Phone: +27 (0)86 125 5433 Fax: +27 (0)86 612 6595 E-mail: info@alllife.co.za Product information: AllLife designs, distributes and administers life insurance

products. We provide affordable life cover for individuals living with HIV. Since 2005, we have provided affordable life cover for thousands of people living with HIV, as well as significantly improving the health experience of the individuals we insure through our adherence management programme.

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Homeowners’ association Tenrisk Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 21095, Noordbrug, 2522 Website: www.tenrisk.com Phone: +27 (0)86 125 4254 Fax: +27 (0)18 297 0843 E-mail: info@tenrisk.com

Product information: Financial and legal security for property letting – rental guarantee against default tenants and eviction assistance.

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Homeowners’ insurance

Homeowners’ insurance CIA Commercial & Industrial Acceptances (Pty) Ltd Postal address (head office): PO Box 615, Bedfordview, 2008 Website: www.cia.co.za Phone: +27 (0)86 124 2777 Fax: +27 (0)86 613 6684 E-mail: sharne@cia.co.za H I J

Product information: CIA – Commercial & Industrial Acceptances (Pty) Ltd (Registration number: 2000/019340/07, FSP number: 13890) – underwrites on behalf of Compass Insurance Company Limited (FSP number: 12148, registration number:

1994/003010/06). CIA’s Houseowners’ policy is unique in that it provides all risk cover and automatically includes subsidence at no additional cost and without the need for expensive geotechnical engineers’ reports. Products include: • inflation and escalation • public supply connections • subsidence and landslip • loss of rent or alternative accommodation • liability • power surge • claims preparation costs. Branch contact details: Johannesburg – phone: 0861 242 777, e-mail: jhb@cia.co.za Durban – phone: 0861 242 555, e-mail: kzn@cia.co.za Cape Town – phone: 0861 242 111, e-mail: ct@cia.co.za Bloemfontein – phone: 0861 242 222, e-mail: bfn@cia.co.za Pretoria – phone: 0861 242 999, e-mail: pta@cia.co.za Port Elizabeth – phone: 0861 242 333, e-mail: pe@cia.co.za

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Hospitality and leisure industry

Hospitality and leisure industry Alternative Commercial Acceptances (Pty) Ltd Postal address (head office): PO Box 504, Fauna Park, Polokwane, 0787 Website: www.acaselect.co.za Phone: +27 (0)87 808 5040 or +27 (0)87 808 5599 Fax: +27 (0)86 620 0174 E-mail: leon@acaselect.co.za/ francois@acaselect.co.za FSP number: 39835 Product information: ACA is a registered financial services provider with an underwriting arrangement with Western National Insurance Company Ltd. Commercial lines: We write all general lines of short-term insurance, with preference to commercial business (small to medium industries).

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Farming lines: We can provide a wide range of covers that will cater for the needs of commercial and bona fide farming entities. Niche product: Turtle I’Cover – we have a market first in this product where we are breaking boundaries to extend existing clients’ cover to ensure that they are not left with a shortfall when experiencing a claim. See our product specific details on www.turtlecover.co.za.

Ascent Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2316, Rivonia, 2128 Website: www.ascentsure.co.za Phone: +27 (0)86 128 6264 Fax: +27 (0)86 633 4311 E-mail: info@ascentsure.co.za

are backed up with market-leading service and exceptional claims service delivery. Our strategic vision and distribution strategies make us the logical choice of brokers with portfolios they wish to retain or grow while providing their clients with leading products and services.

Product information: Ascent provides a comprehensive range of innovative specialist products, which include: Welcome Plus for the hospitality sector; Wine and Dine for the entertainment, restaurant and leisure sectors; Tourinsure for the tourism sector. We also have a specialist Bed and Breakfast policy designed specifically for and in conjunction with the bed and breakfast and guesthouse sectors. Make sure your B&B can be sure of their insurance product supplier. With a 100 per cent specialist niche focus, we develop products in consultation with brokers and clients on a regular basis. All products UMA Directory 2012

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Hospitality and leisure industry Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2744 E-mail: johanc@etana.co.za Product information: Etana Tourism is passionate about providing tourism businesses with efficient and effective risk cover. The product is not generic, but specifically

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designed to meet the ever-changing landscape of the Southern African tourism industry and all the sub-sectors that make up the industry. Unique features: • combined property section – fire, buildings combined and glass section • theft cover on a first loss basis • broad-form public liability cover • CRISIS VOUCHER 24 – medical evacuation and intervention services • each risk surveyed • thatch capacity • full glass cover • wildlife – fire and lightning.

Factory & Industrial Postal address (head office): PO Box 615, Bedfordview, 2008 Website: www.facind.co.za Phone: +27 (0)11 615 1640 Fax: +27 (0)11 616 3027 or +27 (0)86 665 7777 E-mail: brian@facind.co.za Contact person: Brian Muller – Director Product information: Hospitality & Leisure – Factory & Industrial extends its risk management approach to the underwriting of game farms, lodges, conference centres, boutique hotels, etc. Services include: Free risk assessment, support and assistance with regard to fire and security protection and Occupational Health and Safety audits.

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Products include: Factory & Industrial’s product, Amkela (meaning welcome in Xhosa) is designed specifically to meet the needs of the South African hospitality industry. The Amkela product provides comprehensive and specialised insurance that includes emergency services, trauma counselling (guests and staff), game-viewing vehicles and liability, prevention of access, wild game recovery and many more important features. (See also F&I’s entry under the Thatch index). Branches: Durban +27 (0)31 584 7720; Cape Town +27 (0)21 671 1370; Pretoria +27 (0)82 574 9463; Eastern Cape +27 (0)82 780 4556.

Hospitality and leisure industry HIC Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2253, Bedfordview, 2008 Website: www.hicsa.co.za Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 E-mail: info@hicsa.co.za

Product information: HICâ&#x20AC;&#x2122;s hospitality products are not restricted to one segment of the industry but are designed to cater for various types of establishments, including bed and breakfasts, restaurants, golf clubs and conference centres. H I J

Hospitality and leisure industry Hospitality & Leisure Underwriters Postal address (head office): PO Box 696, Bedfordview, 2008 Website: www.handl.co.za Phone: +27 (0)11 615 2973 Fax: +27 (0)86 689 4950 E-mail: info@handl.co.za FSP number: 4995 H I J

game farms, lodges, holiday or timeshare resorts, holiday homes and rentals, health and wellness spas, restaurants or franchise restaurants, golf clubs or estates and wine estates plus all associated risks.

Product information: Hospitality & Leisure Underwriters (H&L), Santam’s specialist hospitality underwriter, offers specific related insurance to the entire hospitality industry. With our expertise and dedication we ensure we are the brokers’ preferred market leaders in the hospitality insurance sector providing customised insurance solutions for this specialist niche. Target markets include: Bed and breakfasts, guesthouses, boutique hotels, hotel chains, Risk Guard Alliance Postal address (head office): PO Box 73450, Lynnwood Ridge, Pretoria, 0040 Website: www.riskga.co.za Phone: +27 (0)86 110 2025 Fax: +27 (0)86 110 2000 E-mail: commercial@riskga.co.za Product information: Risk Guard Alliance (Pty) Ltd is a dynamic underwriting management agency underwritten by RMB Structured Insurance Limited. The Greenguard policy is tailor made to suit the specific insurance needs that golf courses and bowling greens (country clubs) have. We offer standard cover such as buildings, public liability, theft, contents, as well as cover for greens, bridges and pathways on the course against damage. We also cover the irrigation system and electrical system of the greens against accidental damage as well as loss of profits due to the greens being damaged, 146

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cancellation of events cover and special events cover, reinstatement of landscaped gardens and water features, cover against the pollution of fish ponds and water features, signs, blinds and canopies and deterioration of stock. It also includes cover for loss of income due to cancellation of bookings, generator failure, airconditioning failure, closure of road, rail and air services, infectious diseases/pollution/shark and animal attack, loss of liquor license extension, absconding of guests, loss of tourist attraction, cost of loss of water, goods in the open under the theft section and loss of customers’ clothing and personal effects. With our Innguard product, we insure hotels’ and inns’ standard construction as well as thatch buildings up to R40 million. In addition to the standard cover we also insure against damage to and reinstatement of landscaped gardens and water features, cover against the pollution of

Hospitality and leisure industry Our Gameguard policy insures standard construction as well as thatch game lodges up to R40 million. We also insure damage by wild animals, reinstatement of landscaped gardens and water features, game fencing, death of wild game against fire and lightning perils, cover against the pollution of fish ponds and water features, signs, blinds and canopies, deterioration of stock. We cover you against loss of income which includes cover for cancellation of bookings, generator failure, air-conditioning failure, closure of road, rail and air services, infectious diseases/pollution/ shark and animal attack, loss of liquor license extension, absconding of guests, loss of tourist attraction as well as the cost of loss of water. Theft cover is not limited to forcible and violent entry/exit to the premises except in areas where alcohol or cigarettes are stored or sold. We cover goods in the open under this section and loss of customersâ&#x20AC;&#x2122; clothing and personal effects. We can provide not only your standard public liability cover, but liability cover for claims arising from

DRAFTFCB CAPE TOWN MOME000971/E/1

fish ponds and water features, signs, blinds and canopies and deterioration of stock. We cover against loss of income, which includes cover for cancellation of bookings, generator failure, airconditioning failure, closure of road, rail and air services, infectious diseases/pollution/shark and animal attack, loss of liquor license extension, absconding of guests, loss of tourist attraction as well as the cost of loss of water. Theft cover is not limited to forcible and violent entry/exit to the premises except in areas where alcohol or cigarettes are stored or sold. We also cover goods in the open under this section and loss of customers clothing and personal effects. With both Greenguard and Innguard, we can provide not only your standard public liability cover, but liability cover for outdoor activities (available for liability occurring as a result of horse riding, hiking, game watching activities, game drives, swimming, abseiling, diving and mountain biking), food and drink liability, accidental damage to public services that the insured may become legally liable to pay, as well as car parks liability.

rest easy with Momentumâ&#x20AC;&#x2122;s tailor-made hospitality insurance Momentum Short-term Insurance has designed a tailor-made package for the hospitality industry that addresses the risks associated with your business â&#x20AC;&#x201C; making the perfect choice easy. This package covers your business against everything from guests that leave without paying their bill, to game lodges when animals break through fences and the liability associated with hunting activities â&#x20AC;&#x201C; creating peace of mind in any situation. To get a quote, contact our Call Centre on 0860 00 6784, or for more information, please send an email to brokerenquiries@momentumsti.co.za

020( B7DLORU 0DGHB$G B [ LQGG

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Hospitality and leisure industry / Hull insurance outdoor activities (available for liability occurring as a result of horse riding, hiking, game watching activities, game drives, swimming, abseiling, diving and mountain biking), breakout of wild animals, relocation costs of the wild animals, hunting liability, spread of fire liability as well as liability arising from a wild animal attack,

professional indemnity, food and drink liability, accidental damage to public services that the insured may become legally liable to pay as well as car parks liability – damage to vehicles and their contents for which the insured becomes legally liable to pay.

Tourism Risk Underwriting Managers H I J

Hull insurance Associated Marine Postal address (head office): PO Box 55182, Northlands, 2116 Website: www.associatedmarine.co.za Phone: +27 (0)11 912 8000 Fax: +27 (0)11 268 0269 E-mail: mike.brews@amua.co.za Product information: Land, sea and air – we’ve got you covered, providing wider, flexible cover for all your marine insurance needs. Whether it’s marine cargo, goods in transit, marine hull or marine liabilities – we’ve got it covered.

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throughout sub-Saharan Africa. Motor and passenger liability within sub-Saharan territorial limits. Indemnity limits up to R100 million. General public liability (basic and broad-form solutions). Indemnity limits up to R100 million. Cover available to clients/risks throughout sub-Saharan Africa and worldwide jurisdiction can be obtained. Wildlife transit and all risk of mortality covers available, as well as evacuation comprehensive, medical evacuation cover for guests in the event of a life threatening medical emergency following body injury or illness throughout sub-Saharan Africa.

Hull insurance

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Product information: Marine cargo – for imports and exports, goods in transit, commercial hull and marine liabilities. Astra Maritime Underwriting Managers underwrites on behalf of Hollard Insurance.

Cargotransit Insurance Underwriting Managers(Pty) Limited Postal address (head office): PO Box 22195, Helderkruin, 1725 Website: www.cargotransit.co.za Phone: +27 (0)11 768-3287 or +27 (0)11 768 3086 Fax: +27 (0)86 649 5374 E-mail: info@cargotransit.co.za Product information: Specialising in marine and transit insurance, we cover • imports and exports • goods in transit • stock throughput • pleasure craft insurance (within the Republic of South Africa) • household goods and personal effects • advance loss of profits/ increase cost of working • container liability • carriers’ legal liability.

Contact persons: Peter Moodley – phone: +27 (0)11 768 4622, (direct) fax: +27 (0)86 683 1536, e-mail: peter.moodley@cargotransit.co.za Feroza Evans – phone: +27 (0)11 768 6244, (direct) fax: +27 (0)86 681 6618, e-mail: feroza.evans@cargotransit.co.za Vanessa Govender – phone: +27 (0)11 768 1369, (direct) fax: +27 (0)86 686 2318, e-mail: vanessa.govender@cargotransit.co.za Zainub Shaikh – phone: +27 (0)11 768 7859, (direct) fax: +27 (0)86 681 1085, e-mail: zainub.shaikh@cargotransit.co.za

policy covers all hull insurance needs which insures vessels for accidental physical damage or destruction caused by certain perils, such as collision, theft and sinking. Hull insurance covers not only the vessel itself, but also its motors, lifeboats, rafts, furniture, bunkers, stores, supplies, tackle, fittings and equipment. UMA Directory 2012

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Income protection

Income protection FMI Postal address (head office): PO Box 223, Mount Edgecombe, 4300 Website: www.fmi.co.za Phone: +27 (0)86 010 5208 Fax: +27 (0)31 502 5252 E-mail: sales@fmi.co.za H I J

Product information: Since 1995, FMI has maintained its position in the marketplace as income protection specialists that pioneer in the development of disability benefits for small business owners. Our exclusive focus

on disability insurance to the small business market has enabled FMI to develop core expertise in this space. No-one else in the insurance industry specialises solely in the provision of income protection solutions to this market, where a temporary loss of income could have a devastating and permanent impact on their livelihood, dependents and business. FMI’s products are underwritten by Lombard Life and include Business Person Elect for self-employed individuals and Vision for employees.

LCVSure accommodates the small- to mediumsized business whose primary requirement is to insure bakkies.

Product information: Policy Provider is a niche company that designs and underwrites niche products.

RetrenchSure offers three products: • A stand-alone policy where a client can insure a monetary value that will be paid out in the event the insured is retrenched. • An add-on product which can be added to a domestic line policy or similar, that will insure a premium or payment in the event that the insured is retrenched. • A customised product tailored for instalment sale agreements, premium payments or monthly credit agreements.

StayMobile is an add-on or standalone product that gives the client the assurance of being mobile in the event his vehicle is stolen, should he have an accident, if third party insurer cover has been utilised or in the case where the car has to be serviced. The product can be added on to a domestic lines or commercial policy. Specifically packaged products or options can also be arranged.

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TransitSure is a conventional goods-in-transit policy.

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Jewellers’ block

Jewellers’ block Gem & Jewel Acceptances (Pty) Ltd Postal address (head office): PO Box 70014, Bryanston, 2021 Website: www.gemjewel.co.za Phone: +27 (0)86 123 4436 Fax: +27 (0)86 123 5436 E-mail: natasha@gemjewel.co.za H I J

Product information: Our ‘2 Precious’ policy provides comprehensive tailor-made cover for the jewellery industry. Cover options include stock, contents (includes internal glass), buildings, business interruption (also following theft), money, glass, fidelity guarantee, business all risks, liability, personal accident, motor, electronic equipment and accounts receivable.

Included free of charge (terms and conditions apply): Trauma counselling following an armed robbery for staff and customers, stone breakage, shoplifting and rent.

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k&l The letters â&#x20AC;&#x153;K&Lâ&#x20AC;?

k&l

KL â&#x20AC;&#x201C; 10 facts about legal protection

1. Attorneys are among the highest paid professionals in South Africa. 2. In order to be admitted to practise as an attorney in South Africa, an individual must be considered a fit and proper person by the Law Society and the High Court. 3. One-thousand, five-hundred new attorneys were admitted to practise in 2010. Of these, 55 per cent are women and 51 per cent black. 4. Fraud, including insurance fraud, is one of the more common reasons for disbarring of attorneys.

5. Whereas in the past, only advocates were permitted to present cases in the higher courts, attorneys were granted right of appearance in the High Courts and the Constitutional Court as of 1 November 1995.

8. A number of South African legal insurance providers, such as LIPCO and LegalWise, offer a 24-hour telephonic advice service.

6. Of the 44 presidents that have led the United States, 25 started out as lawyers.

7. Most attorneys participate in national initiatives throughout the year, arranged by the Law Society of South Africa and by its constituent members to aid people who do not have the means to pay for legal services. During these initiatives they render free services to members of the public.

9. In South Africa, the average duration of marriages that end in divorce is nine years.

10.The age of majority in terms of South African law was changed in 2007 from 21 years to 18 years. 154

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155

Kidnap and ransom insurance

Kidnap and ransom insurance Chartis Phone: +27 (0)11 551 8037 Fax: +27 (0)11 551 8442 Website: www.chartisinsurance.com Philip Hobson – Profit centre manager E-mail: philip.hobson@chartisinsurance.com Product information: Chartis Insurance provides corporate kidnap and ransom/ extortion insurance that protects against financial loss and includes the negotiation and crisis management services of Clayton Consultants Inc.

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Products: • Kidnap/alleged kidnap: protection against the seizure or detention of an insured for ransom purposes. • Extortion: cover for payment demands following threats to injure or kill an

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insured, damage property, contaminate products, divulge trade secrets and destroy electronic data. • Wrongful detention: covers involuntary confinement by a government entity or insurgent organisation. • Evacuation and repatriation. • Child abduction. Cover includes: • Death or dismemberment. • Ransom/extortion payment. • Payment lost in transit. • Judgement, settlements and defence costs. • Recall costs. • Business interruption. • Any other reasonable and necessary expenses.

Kidnap and ransom insurance

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Praesidio Risk Managers (Pty) Ltd Postal address (head office): PO Box 3337, Cramerview, 2060 Website: www.praesidio.co.za Phone: +27 (0)11 521 4056 Fax: +27 (0)11 521 4002 E-mail: andrew@praesidio.co.za Product information: 1. Group personal accident: Our core benefits include accidental death, permanent and temporary disability, medical expenses, critical illness and loss of income. Types of risk we cover: South African corporations of all sizes, mining, security guards, oil rigs, hunting and film crews. 2. Aviation personal accident: This facility provides pilots and crew with accidental death, permanent and temporary disability and medical expenses. Cover can be purchased for an individual pilot and can include passengers. 3. HIV+ needlestick cover: Covering medical professionals for accidental HIV exposure treatment and a lump sum upon positive HIV conversion.

4. Extreme risk personal accident: We provide up to R 1 000 000 in the case of accidental death and disability while participating in any activity deemed to be extreme, such as skydiving, bungee jumping, mountaineering, white-water rafting, yachting, cave diving and skin diving. Praesidio Risk Managers offers highly specialised and niche personal accident and healthcare insurance to our clients through our broker network. Our tribunalisation with Lloyd’s of London in 2003 put us in the position to provide coverage and capacity not readily available in our local market. We maintain a relationship of excellence with our underwriters that enhances our flexibility to accommodate our brokers on each and every risk. In addition to personal accident, Praesidio also has access to specialist niche insurance products such as: • kidnap and ransom • professional sports personal accident • key man • political evacuation • contingency insurance.

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Legal advice and expense protection

Legal advice and expense protection Legal Exchange Corporation – LEXCorp Physical address (head office): 8 Kikuyu Road, The District, 1st Floor, Sunninghill, 2157 Website: www.lexcorp.co.za Phone: +27 (0)11 966 7777 Fax: +27 (0)11 234 3916 E-mail: cover@lexcorp.co.za Product information: LEXCorp is a subsidiary of Santam Limited and operates as a specialist underwriting manager for legal expense insurance. We operate an innovative and flexible business model that allows partnerships with affinity groups, retailers, financial institutions, portfolio managers, administrators and the broker market. Our core business is the development, management and distribution of legal expense insurance products and services. Legal Access is our main brand product, specially designed to provide indemnity against legal costs and expenses on a wide range of legal disputes, including personal, commercial and selected niche markets.

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Legal services: LEXAssist and LEXDocuments – Accessing the correct legal information and advice is

crucial. LEXAssist and LEXDocuments are divisions of Legal Exchange Corporation, dedicated to the provision of legal advice and document assistance to our policyholders. LEXAssist operates a 24-hour state-of-theart call centre manned by qualified legal personnel. As the law is dynamic and evolving all the time, our team of experienced inhouse lawyers has access to an electronic law library powered by LexisNexis. Unlimited legal advice and assistance is given on a broad range of legal topics. LEXDocuments is an innovative legal drafting service that combines an experienced team of leading advocates and attorneys working hand in hand with top information technology specialists to deliver the most advanced range of document creation, compliance and legal support solutions available on the market today. Legal documents, contracts and review packages are customised to each client’s unique circumstances, and are backed by a team of experienced lawyers. Quick, reliable and convenient contracts all at a fraction of the costs traditionally associated with legal assistance services.

Legalwise (Pty) Ltd Postal address (head office): PO Box 6144, Weltevredenpark, 1715 Website: www.legalwise.co.za Phone: +27 (0)11 670 4500 Fax: +27 (0)11 679 1049 E-mail: jacovdw@legalwise.co.za Product information: The Legalwise policy covers: • job-related problems, e.g. unfair dismissals • home owner problems, e.g. defective building work • motor vehicle problems, e.g. guarantees on poor repairs • third party claims • problems when

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buying or selling a house • consumer-related problems, e.g. faulty products • criminal charges against you or your family • unfairly rejected insurance-related cases. Following extended services: Settlement negotiations, debt counselling, rescission of administration of administration orders, unopposed divorces, maintenance matters, base wills, antenuptial contracts, other civil processes, mediations or referrals to alternate dispute resolution forums and referrals to small claims courts.

Legal services

Legal services Legal Exchange Corporation â&#x20AC;&#x201C; LEXCorp Physical address (head office): 8 Kikuyu Road, The District, 1st Floor, Sunninghill, 2157 Website: www.lexcorp.co.za Phone: +27 (0)11 966 7777 Fax: +27 (0)11 234 3916 E-mail: cover@lexcorp.co.za Product information: LEXCorp is a subsidiary of Santam Limited and operates as a specialist underwriting manager for legal expense insurance. We operate an innovative and flexible business model that allows partnerships with affinity groups, retailers, financial institutions, portfolio managers, administrators and the broker market. Our core business is the development, management and distribution of legal expense insurance products and services. Legal Access is our main brand product, specially designed to provide indemnity against legal costs and expenses on a wide range of legal disputes, including personal, commercial and selected niche markets. Legal services: LEXAssist and LEXDocuments â&#x20AC;&#x201C; Accessing the correct legal information and advice is

crucial. LEXAssist and LEXDocuments are divisions of Legal Exchange Corporation, dedicated to the provision of legal advice and document assistance to our policyholders. LEXAssist operates a 24-hour state-of-theart call centre manned by qualified legal personnel. As the law is dynamic and evolving all the time, our team of experienced inhouse lawyers has access to an electronic law library powered by LexisNexis. Unlimited legal advice and assistance is given on a broad range of legal topics. LEXDocuments is an innovative legal drafting service that combines an experienced team of leading advocates and attorneys working hand in hand with top information technology specialists to deliver the most advanced range of document creation, compliance and legal support solutions available on the market today. Legal documents, contracts and review packages are customised to each clientâ&#x20AC;&#x2122;s unique circumstances, and are backed by a team of experienced lawyers. Quick, reliable and convenient contracts all at a fraction of the costs traditionally associated with legal assistance services.

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Life insurance

Life insurance AllLife (Pty) Ltd Postal address (head office): PO Box 787159, Sandton, 2196 Website: www.alllife.co.za Phone: +27 (0)86 125 5433 Fax: +27 (0)86 612 6595 E-mail: info@alllife.co.za Product information: AllLife designs, distributes and administers life insurance K L

Altrisk (Pty) Ltd Postal address (head office): PO Box 2944, Pinegowrie, 2123 Website: www.altrisk.co.za Phone: +27 (0)11 547 7000 Fax: +27 (0)11 547 7777 E-mail: bronwynv@altrisk.co.za Product information: Altrisk offers life cover, death income benefit and accidental death cover, impairment cover consisting of core and comprehensive impairment benefits and disability cover comprising of Core, Comprehensive, Disability Plus as well as income replacement and disability premium waiver benefits. We also offer critical illness cover (basic, core or comprehensive). Under our specialist benefits we have deferred life, HIV positive applications, as well as our longterm care benefits. We’re owner-managed with a core focus on the risk market. Since our humble beginnings, we have achieved a number of firsts in our field: first to regularly cover people with severe medical impairments – those who traditionally couldn’t get cover in the marketplace; first to offer new generation life cover to people with HIV; first to regularly cover people working in high-risk countries; first to introduce a suicide exclusion that recognises previous periods of life cover; first to adopt standardised critical 160

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illness definitions; and first to do away with irrelevant general exclusions. We have the best, solution-orientated underwriting team in the business, with almost 150 years’ collective direct insurance and reinsurance experience. It’s all part of our quest to be recognised as the best risk provider in our chosen market, in a very competitive industry – and to offer you the best possible solutions for your clients.

Liquidator’s bond / Livestock

Liquidator’s bond Shackleton Risk Management Postal address (head office): PO Box 393, Strathavon, 2031 Website: www.shackletonrisk.co.za Phone: +27 (0)11 784 5373 Fax: +27 (0)86 611 3226 E-mail: michael@srisk.co.za Product information: SRM has been in the business of placing liquidation bonds in the KwaZulu-Natal province of South Africa since 1999. Today, the company has representation

in all major city centres in South Africa and issues guarantees totalling billions annually to leading liquidators across the country. In addition to the liquidation bonds being offered in its guarantee line, Shackleton Risk Management now also offers executor bonds and curator bonds to attorneys, accountants and professional liquidators in the market. For more information, please contact Craig Brigg on craig@srisk.co.za or +27 (0)33 264 8500.

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Livestock African Rand Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 731386, Fairland, 2030 Website: www.africanrand.com Phone: +27 (0)11 678 1354 Fax: +27 (0)86 685 9120 E-mail: dion@africanrand.co.za Product information: StockSure – You can now guarantee the performance of your stud animals and those that you sell by insuring them against impotency. This new cover developed by Natagri enables you to insure your stud animals against impotency without the need to purchase expensive mortality cover as the only solution offered by other insurers. The Natagri impotency insurance provides cover for pedigree animals who become impotent due to an accident or sickness, within 12 months of purchase, for as little as three per cent of the value insured. Natagri is part of the Natsure Group, a specialist underwriting manager with a whollyowned cell in Guardrisk, giving all its insurance products AA-rated security. African Rand Underwriting Managers, with its AgrinSure product for farming assets, has teamed up with Natagri to offer the livestock

farmer a one-stop solution to his insurance requirements. More products on offer: Herd Select provides the farmer with the broadest possible cover against death for the entire herd of animals. –Herd Essential provides the farmer with cover against fire and lightning, with the option to extend the cover to include theft and/or accidental death. Stud Animals ensures that stud animals are covered against death and impotency for the broadest possible risks. The best rates are applied for each specified animal.

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m;n&o The letters “M;N&O”

4. Medical negligence that amounts to unprofessional conduct may result in disciplinary action by the Health Professions Council of South Africa. Medical negligence causing death may result in a conviction for culpable homicide. Civil liability for damages may arise from negligent treatment or operations

M;N&O 5. In 2010 alone, well over 2 000 healthcare professionals faced claims of medical malpractice in both the public and private healthcare sectors.

MNO – 10 facts about malpractice

1. Medical malpractice is professional negligence by a doctor, surgeon or healthcare provider which results in injury or death of a patient. It can be an erroneous act on the part of the doctor or an omission of treatment that is seen to deviate from the acceptable norms and standards of professional healthcare. 2. Medical malpractice insurance indemnifies medical practitioners in the event of claims arising from negligence or incorrect performance of their professional duties. 3. According to the Medical Protection Society of South Africa, an independent organisation which assists healthcare professionals with legal problems, the vast majority of claims arise from babies born with brain damage; birth defects not diagnosed in time, unnecessary Caesarean sections and poor cosmetic surgery. 162

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6. Some medical malpractice lawyers are so confident of their abilities to win a case that they do not charge a fee unless they win. .

7. All medical practitioners should have medical malpractice insurance. In addition, physiotherapists, homeopaths, nursing homes, elderly care facilities and other healthcare professionals should all protect themselves with medical malpractice insurance.

8. The cost of medical malpractice insurance is determined based on the medical field within which the professional operates and the number of staff and number of clients of the practice.

9. In the United States of America, it takes an average of four to five years from the date of the incident for a malpractice claim to be resolved.

10.In some instances, medical students can secure medical malpractice insurance, but this is not the norm.

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Malpractice (allied health professionals) / Management liability

Malpractice (allied health professionals) Network Liability Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 1281, Randpark Ridge, 2156 Website: www.networkliability.co.za Phone: +27 (0)11 475 3585 or +27 (0)11 475 0318 Fax: +27 (0)11 675 0094 E-mail: shirley@networkliability.co.za Product information: Network is a specialist liability and professional indemnity underwriting agency, writing for Guardrisk Insurance Company. We have R100 million M N O

capacity lead by Munich Reinsurance Company. We underwrite primary, excess of loss and umbrella policies. We underwrite broad-form liability covers general liability, products liability, products guarantee/ recall, excess of loss motor liability, contractor’s liability, piling liability, event liability, professional indemnity/ errors and omissions covers for most professions, misappropriation of trust funds cover, and medical malpractice insurance for allied health professionals and institutions.

Management liability Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions to a broad spectrum of industries in South Africa. Camargue’s unique product offering uses the M3 principle. This is to manage, mitigate and migrate critical business risks. The company was founded in 2001 to meet the rapidly changing risk transfer needs of businesses operating in Southern African. Some of our products include: • directors’ and officers’ liability • employment practice liability • pension fund trustee liability • Camargue general liability • Camargue commercial crime • broker professional indemnity • body corporate trustees • clinical trials • directors’ and officers’ and fidelity guarantee for financial institutions • medical malpractice for medical establishments and 164

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practitioners • professional indemnity for corporates • cyber liability. Each Camargue policy includes value-added services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll out and delivery of its services. With the aim of nurturing up-and-coming talent in the industry, in 2008, Camargue joined forces with the WITS Business School offering a scholarship worth more than R60 000 to students who wish to complete a masters of commerce degree. A further two scholarships are offered for a bachelor of commerce with honours in risk management and insurance. For the existing industry, Camargue offers the Broker Liability Academy. Launched in July, 2011, the Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the

Management liability product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website. Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2577 E-mail: warwickg@etana.co.za Product information: Etana’s Management Liability product protects the officers and directors of a company, in their personal capacity, against claims made by third parties for any actual or alleged wrongful act, error

or omission. Cover extends to employees for employment practice liability insurance, outside directorship liability and spouse and estate. Those persons that should consider this cover are any directors, officers, committee members, prescribed officers or company secretaries of any entity that is subject to the new Companies Act, and who is concerned about the personal liability they can now attract under this Act.

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Marine and special risks

Marine and special risks Associated Marine Postal address (head office): PO Box 55182, Northlands, 2116 Website: www.associatedmarine.co.za Phone: +27 (0)11 912 8000 Fax: +27 (0)11 268 0269 E-mail: mike.brews@amua.co.za

M N O

Product information: Marine Cargo – for imports and exports, goods in transit, commercial hull and marine liabilities. Astra Maritime Underwriting Managers underwrites on behalf of Hollard Insurance.

Devereux Marine CC Phone: +27 (0)21 671 6612 Fax: +27 (0)21 671 1308 Contact person: Cheryl Donald E-mail: cheryldonald@mweb.co.za Product information: Devereux Marine underwrites marine insurance exclusively through Lloyd’s of London. The company provides a range of hull insurance-related products, specifically for fishing and offshore

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oil industries. Cover for the import and export of cargo is provided on a specific voyage basis or as part of stock-throughput cover.

Marine cargo

Marine cargo Associated Marine Postal address (head office): PO Box 55182, Northlands, 2116 Website: www.associatedmarine.co.za Phone: +27 (0)11 912 8000 Fax: +27 (0)11 268 0269 E-mail: mike.brews@amua.co.za

Astra Maritime Underwriting Managers (Pty) Limited Postal address (head office): PO Box 1761, Cramerview, 2060 Website: www.astra-maritime.co.za Phone: +27 (0)11 513 5000 Fax: +27 (0)11 513 5626 E-mail: stevenf@astra-maritime.co.za Product information: Marine Cargo – for imports and exports, goods in transit, commercial hull and marine liabilities.

Astra Maritime Underwriting Managers underwrites on behalf of Hollard Insurance. M N O

Marine cargo Cargotransit Insurance Underwriting Managers (Pty) Limited Postal address (head office): PO Box 22195, Helderkruin, 1725 Website: www.cargotransit.co.za Phone: +27 (0)11 768 3287 or +27 (0) 11 768 3086 Fax: +27 (0)86 649 5374 E-mail: info@cargotransit.co.za Product information: Specialising in marine and transit insurance, we cover • imports and exports • goods in transit • stock throughput • pleasure craft insurance (within the Republic of South Africa) • household goods and personal effects • advance loss of profits/ increase cost of working • container liability • carriers’ legal liability.

M N O

First Marine Acceptances (Pty) Ltd Postal address (head office): PO Box 2603, Pinegowrie, 2123 Website: www.fma.co.za Phone: +27 (0)11 781 3473 Fax: +27 (0)11 781 3478 E-mail: enquiries@fma.co.za

Product information: Marine insurance, including cargo, goods in transit (not hauliers), hull and small craft. FMA has been in business for 15 years and offers an extremely professional and knowledgeable service.

Helm Underwriting Management Services (SA) (Pty) Ltd Postal address (head office): PO Box 201000, Durban North, 4016 Phone: +27 (0)31 563 9640 Fax: +27 (0)31 563 1782 E-mail: ums@ums.co.za Product information: We underwrite imports and exports of cargo by all forms of transport, goods in transit, small craft, stock throughput and marine liabilities. Helm Underwriting Management Services (SA) (Pty) Ltd (UMS) is a marine underwriting agency which was established in 1991 in 168

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Durban by Hugh Murcell who kicked off his career at Lloyd’s in 1974 and immigrated to SA in 1981. Prior to the formation of UMS he was marine manager at Commercial Union in Durban for almost five years. The inclusion of a Johannesburg branch in June 2000 doubled the premium income of the company, which is estimated to reach over R45 000 000 in the 2011 underwriting year. The success of UMS in past years has developed as a result of the application of sound underwriting principles and the focus on loss prevention rather than throwing higher premiums at loss making accounts. Our eagerness to understand the

Marine liabilities (including charterers) exact nature of clients’ risks and to provide tailor-made solutions to their insurance needs has proven to be a major asset in offering reliable continuity of cover. Access to an

international risk management company provides UMS with information and services not freely available to the local market.

Marine liabilities (including charterers) Associated Marine Postal address (head office): PO Box 55182, Northlands, 2116 Website: www.associatedmarine.co.za Phone: +27 (0)11 912 8000 Fax: +27 (0)11 268 0269 E-mail: mike.brews@amua.co.za

Product information: Marine Cargo – for imports and exports, goods in transit and commercial hull. Marine Liabilities – including freight liabilities, ship repairers, stevedores, charterers and marina operators. Astra Maritime Underwriting Managers underwrites on behalf of Hollard Insurance Company.

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Marine liabilities (including charterers) Cargotransit Insurance Underwriting Managers (Pty) Limited Postal address (head office): PO Box 22195, Helderkruin, 1725 Website: www.cargotransit.co.za Phone: +27 (0)11 768 3287 or +27 (0)11 768 3086 Fax: +27 (0)86 649 5374 E-mail: info@cargotransit.co.za Product information: Specialising in marine and transit insurance, we cover • imports and exports • goods in transit • stock throughput • pleasure craft insurance (within the Republic of South Africa) • household goods and personal effects • advance loss of profits/ increase cost of working • container liability • carriers’ legal liability.

M N O

Devereux Marine CC Phone: +27 (0)21 671 6612 Fax: +27 (0)21 671 1308 Contact person: Cheryl Donald E-mail: cheryldonald@mweb.co.za Product information: Devereux Marine underwrites marine insurance exclusively Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2626 E-mail: frankp@etana.co.za Product information: Etana’s Marine policy covers the insured’s liabilities towards third parties while engaged in marine-related operations, such as marina operator’s liability, stevedore’s liability and charterer’s liability.

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through Lloyd’s of London. The company provides a range of hull insurance-related products, specifically for fishing and offshore oil industries. Cover for the import and export of cargo is provided on a specific voyage basis or as part of stock-throughput cover.

Marine risks

M N O

Marine risks Associated Marine Postal address (head office): PO Box 55182, Northlands, 2116 Website: www.associatedmarine.co.za Phone: +27 (0)11 912 8000 Fax: +27 (0)11 268 0269 E-mail: mike.brews@amua.co.za

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Marine risks Cargotransit Insurance Underwriting Managers (Pty) Limited Postal address (head office): PO Box 22195, Helderkruin, 1725 Website: www.cargotransit.co.za Phone: +27 (0)11 768 3287 or +27 (0)11 768 3086 Fax: +27 (0)86 649 5374 E-mail: info@cargotransit.co.za Product information: Specialising in marine and transit insurance, we cover • imports and exports • goods in transit • stock throughput • pleasure craft insurance (within the Republic of South Africa) • household goods and personal effects • advance loss of profits/ increase cost of working • container liability • carriers’ legal liability.

M N O

Cross Country Insurance Consultants (Pty) Ltd Postal address (head office): PO Box 731065, Fairlands, 2030 Website: www.ccic.co.za Phone: +27 (0)11 215 8800 Fax: +27(0)11 476 8205 E-mail: mail@ccic.co.za Product information: Marine Explorer – Watercraft with or without trailer can be covered on a stand-alone basis. Territorial limits: inland - Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Republic of South Africa, Swaziland, Tanzania and Zimbabwe; coastal – Mozambique, Namibia and Republic of South Africa extends to 50 nautical miles offshore. Watercraft up to R2 500 000 can be insured; third party and passenger liability including water skiers; repatriation of vessel and trailer outside Republic of South Africa following accident or breakdown; damage to machinery by flotsam. Settlement basis on small craft – within first four years of registration – new replacement basis; settlement basis in inflatables at current market value irrespective of the age of the vessel.

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We also offer medical emergency evacuation for skipper and occupants and emergency roadside assistance in Republic of South Africa. Once the vessel is insured, the client has the option to insure his other outdoor equipment on a far wider basis than his conventional policy. Items such as outriggers, fishing equipment and electronic equipment, such as fish finders and GPS units, scuba gear, communication equipment, including satellite phones and other two-way communication apparatus, camping equipment, photographic equipment, kayak, windsurfer and paddle-ski, parachute, parasails and man kites, bicycles and other sporting equipment. Cross Country is an underwriting manager of Renasa Insurance Company Limited, registration number: 2008/013847/07, FSP number: 39547.

Marine risks Devereux Marine CC Phone: +27 (0)21 671 6612 Fax: +27 (0)21 671 1308 Contact person: Cheryl Donald E-mail: cheryldonald@mweb.co.za Product information: Devereux Marine underwrites marine insurance exclusively

oldest type of insurance and covers the loss or damage to cargo between the points of origin and final destination on shipments worldwide. The cost of cargo insurance is only a small fraction of the total cost of packing, shipping and handling your goods. If you have not specifically asked for cargo insurance, you risk losing your goods and your money.

Kiln SA Postal address (head office): PO Box 3304, Rivonia, 2128 Website: www.kilngroup.com/southafrica Phone: +27 (0)11 612 9300 Fax: +27 (0)11 234 1557 E-mail: ian.smith@kilngroup.com Product information: Kiln’s South African marine underwriting team knows local and

international conditions and is able to assist and support brokers or clients in the local marine insurance market. Products include: Marine risks: • conventional and extended import/export cargo policies • road transport, haulier/freight forwarding and goods in transit.

Covering all your goods on the move. ETANA MARINE

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Etana is an Authorised Financial Service Provider

2011/12/08 12:56 PM

M N O

Marine risks / Medical aid trustees’ insurance Marine and special risks: • project cargo • marine consequential loss (DSU) • bulk stockpile • marine stock-throughput policies • commercial fishing vessels • pleasure craft • stevedores’ liability • trade disruption • political risks • specie • freight forwarders liability • data asset and network security. Branches: Johannesburg: Mark Caietta – Executive manager marine; phone: +27 (0)11 612

9325; e-mail: mark.caietta@kilngroup. com or Margaret Handy – Marine manager; phone: +27 (0)11 612 9338; e-mail: margaret.handy@kilngroup.com Cape Town: Phone: +27 (0)21 673 8200; Fax: +27 (0)21 683 7324; Ian Smith – Marine director; phone: +27 (0)21 673 6208; e-mail: ian.smith@kilngroup.com or Bruce Swanson – Marine manager; phone: +27 (0)21 673 6210; e-mail: bruce.swanson@kilngroup.com.

Medical aid trustees’ insurance Camargue Underwriting Managers M N O

Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions to a broad spectrum of industries in South Africa. Camargue’s unique product offering uses the M3 principle. This is to manage, mitigate and migrate critical business risks. The company was founded in 2001 to meet the rapidly changing risk transfer needs of businesses operating in Southern African. Some of our products include: • directors and officers’ liability • employment practice liability • pension fund trustee liability • Camargue general liability • Camargue commercial crime • broker professional indemnity • body corporate trustees • clinical trials • directors’ and officers’ and fidelity guarantee for financial institutions • medical malpractice for medical establishments and practitioners • professional indemnity for corporates • cyber liability. Each Camargue policy includes value-added 174

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services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll out and delivery of its services. With the aim of nurturing up-and-coming talent in the industry, in 2008, Camargue joined forces with the WITS Business School offering a scholarship worth more than R60 000 to students who wish to complete a masters of commerce degree. A further two scholarships are offered for a bachelor of commerce with honours in risk management and insurance. For the existing industry, Camargue offers the Broker Liability Academy. Launched in July, 2011, the Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

We Provide Comprehensive EďŹ&#x20AC;ective Cover For Every Individual. Our philosophy of continuous improvement, means that you are always guaranteed individual attention and superior products which will meet your needs and exceed your expectations. With a range of competitive and affordable accident and health insurance products, which are unparalleled in the market, our products are the ideal compliment to your insurance needs.

Gap Cover is a short-term insurance stated benefit product that covers the difference between the Medical Scheme Rate and private rates charged by a Registered Medical Professional for in-hospital treatment. Gap cover provides a benefit for up to 500% of your Medical Scheme Rate.

CoPay Cover is a short-term insurance stated benefit product that will cover your co-payments (the imposed excesses in terms of your Medical Scheme rules) for procedures performed, as an in-patient or as an out-patient. This includes MRI, CT and Ultrasound Scans.

! Combined Cover

This product combines the benefits of the above mentioned Gap Cover and CoPay Cover products. Additionally cover is provided for admission fees as imposed by your Medical Scheme. The product further provides a benefit for the difference between your Medical Scheme Rate and private rates charged for out-patient surgical procedures that would normally be performed in-hospital.

Sapmeds is a short-term insurance stated benefit product that pays a stated benefit for certain in-patient daignoses (a benefit not based on a day to day basis). This no-bother accident & health hospital insurance policy has been specifically developed for the South African market. Sapmeds offers an affordable premium and aims to meet soaring hospital expenses without subjecting a client to months of delay and red tape.

Telephone 011 801-2400 Facsimile 086 508 2292 Email Info@reso-u.co.za www.resolutionunderwriters.co.za Resolution Underwriters(Pty) Ltd. is a Registered Financial Services Provider (FSP: 4710)

Medical insurance

Medical insurance Resolution Underwriters (Pty) Ltd Postal address (head office): PO Box 1115, Bromhof, 2154 Website: www.resolutionunderwriters.co.za Phone: +27 (0)11 801 2400 Fax: +27 (0)86 508 2292 E-mail: info@reso-u.co.za Product information: Resolution Underwriters (Pty) Ltd is committed to providing comprehensive yet affordable insurance solutions to the public through recognised intermediaries. We offer competitive products and superior service. Our continuous effort to render quality services is an integral part of our primary goal of providing our clients with value for money. We will address the insurance needs of the entire spectrum of the African population by developing competitive and affordable products that are unparalleled in the marketplace. We follow a philosophy of continuous improvement.

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Medical malpractice insurance

Medical malpractice insurance Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions to a broad spectrum of industries in South Africa. Camargue’s unique product offering uses the M3 principle. This is to manage, mitigate and migrate critical business risks. The company was founded in 2001 to meet the rapidly changing risk transfer needs of businesses operating in Southern African. Some of our products include: • directors’ and officers’ liability • employment practice liability • pension fund trustee liability • Camargue general liability • Camargue commercial crime • broker professional indemnity • body corporate trustees • clinical trials • directors’ and officers’ and fidelity guarantee for financial institutions • medical malpractice for medical establishments and practitioners • professional indemnity for corporates • cyber liability. Each Camargue policy includes value-added services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll out and delivery of its services. With the aim of nurturing up-and-coming talent in the industry, in 2008, Camargue joined forces with the WITS Business School offering a scholarship worth more than R60 000 to students who wish to complete a masters of commerce degree. A further two scholarships are offered for a bachelor of commerce with honours in risk management and insurance. For the existing industry, Camargue offers the

Broker Liability Academy. Launched in July, 2011, the Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

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Medical malpractice insurance General & Professional Liability Acceptances Postal address (head office): PO Box 2667, Fourways, 2055 Phone: +27 (0)11 706 0911 Fax: +27 (0)86 505 9712 E-mail: dcampbell@gpla.co.za or rhunter@ gpla.co.za

surveyors • project managers • insurance brokers • land surveyors • loss adjusters • tech PI • miscellaneous PI.

Product information: GPLA underwrites on behalf of Lloyd’s of London and provides cover to medical practitioners, allied healthcare practitioners and healthcare organisations. GPLA provides professional indemnity cover to the following professionals: • architects • attorneys • consulting engineers • quantity

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Hollard Liability Postal address (head office): PO Box 87419, Houghton, 2041 Website: www.hollard.co.za Phone: +27 (0)11 351 3000 Fax: +27(0)11 351 8013 E-mail: bobst@hollard.co.za Product information: We provide security in the form of negligence, errors and omissions cover for all professional firms, including, but not limited to, attorneys, architects, accountants, insurance intermediaries,

Network Liability Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 1281, Randpark Ridge, 2156 Website: www.networkliability.co.za Phone: +27 (0)11 475 3585 or +27 (0)11 475 0318 Fax: +27 (0)11 675 0094 E-mail: shirley@networkliability.co.za Product information: Network is a specialist liability and professional indemnity underwriting agency writing for Guardrisk Insurance Company. We have R100 million 178

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capacity lead by Munich Reinsurance Company. We underwrite primary, excess of loss and umbrella policies. We underwrite broad-form liability covers – general liability, products liability, products guarantee/ recall, excess of loss motor liability, contractors’ liability, piling liability, event liability, professional indemnity/errors and omissions covers for most professions, misappropriation of trust funds cover, and medical malpractice insurance for allied health professionals and institutions.

Medical malpractice insurance Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0085 E-mail: taylora@sha.co.za Product information: Cover available for institutional and non-institutional clients.

DRAFTFCB CAPE TOWN MOME000971/E/2

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Momentumâ&#x20AC;&#x2122;s tailor-made medical professionalsâ&#x20AC;&#x2122; insurance is the best medicine for your practice Momentum Short-term Insurance has designed a tailor-made package for medical professionals and dentists that addresses the risks associated with your business â&#x20AC;&#x201C; making the perfect choice easy. This package covers you and your practice against everything from loss of documents & x-rays to faulty medical scanning machines as well as damage caused by accidents at your premises â&#x20AC;&#x201C; ensuring your practice makes a speedy recovery. To get a quote, contact our Call Centre on 0860 00 6784, or for more information, please send an email to brokerenquiries@momentumsti.co.za

020( B7DLORU 0DGHB$G B [ LQGG

Metal risks / Misappropriation of trust funds insurance

Metal risks Woodworking Risk Acceptances (Pty) Ltd Postal address (head office): PO Box 3464, Pietermaritzburg, 3200 Website: www.wra.co.za Phone: +27 (0)86 010 9462 E-mail: leigh@wra.co.za

insurance product for the wood, plastic and metal industries. Products are underwritten by Compass Insurance Company Limited. WRA focuses on providing a product for these historically hazardous industries.

Product information: Woodworking Risk Acceptances offers a comprehensive

Misappropriation of trust funds insurance Network Liability Underwriting Managers (Pty) Ltd M N O

Postal address (head office): PO Box 1281, Randpark Ridge, 2156 Website: www.networkliability.co.za Phone: +27 (0)11 475 3585 or +27 (0)11 475 0318 Fax: +27 (0)11 675 0094

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E-mail: shirley@networkliability.co.za Product information: Network is a specialist liability and professional indemnity underwriting agency writing for Guardrisk Insurance Company. We have R100 million capacity lead by Munich

Misappropriation of trust funds insurance Reinsurance Company. We underwrite primary, excess of loss and umbrella policies. We underwrite broad-form liability covers â&#x20AC;&#x201C; general liability, products liability, products guarantee/ recall, excess of loss motor liability, contractorsâ&#x20AC;&#x2122;

liability, piling liability, event liability, professional indemnity/errors and omissions covers for most professions, misappropriation of trust funds cover, and medical malpractice insurance for allied health professionals and institutions.

Shackleton Risk Management Postal address (head office): PO Box 393, Strathavon, 2031 Website: www.shackletonrisk.co.za Phone: +27 (0)11 784 5373 Fax: +27 (0)86 611 3226 E-mail: michael@srisk.co.za Product Information: SRMâ&#x20AC;&#x2122;s Misappropriation of Trust Funds insurance product protects practitioners (attorneys

and liquidators) from theft of their trust fund monies. Our market research has shown that the prevalence of theft of trust funds is on the increase and we highly recommend that all practitioners look very closely at this product. Like with the Fidelity Guarantee, MTF insurance can be taken on a named person, named positions or blanket basis. This allows practitioners to cover only those staff members who have access to the trust fund account.

UMA Directory 2012

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Motor and commercial lines

Motor and commercial lines SA Underwriters Postal address (head office): PO Box 3606, Randburg, 2125 Website: www.sauonline.co.za Phone: +27 (0)11 777 7200 Fax: +27 (0)11 777 7320 E-mail: info@saunderwriters.com

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Product information: SAU offers a selection of stand-alone motor products and personal lines products, tailored to address the suitability and affordability of your clients. Our product offering has a wide choice available, whether it is our Drive Rite Behavioural Driversâ&#x20AC;&#x2122; policy, or our Core Cover policy or any of the many choices. At SAU, we believe that we offer the best possible value for money, which means the best return, safety and security for the money your client is paying for their insurance. Our policies also offer a choice of excess structures,

such as our Flat Excess policy and your clients can choose the excess suitable for them. SAU also offers a full commercial lines offering, including our commercial stand-alone LDV policy for the busy contractor or entrepreneur. We are able to offer a comprehensive range of value-added products and services to aid in client retention and experience through our underwriters. SAU is a fully intermediated business, which does not compete directly in the market. It has the ability to manage all administrative functions, including claims, on behalf of the broker and the insurer, thus making us a market leader as an underwriting manager in the field of personal lines, motor insurance and commercial lines business. Our quoting system, Flashquote, is the fastest way to obtain

Motorcycles and quad bikes a quote in seconds. Contact us to join SAU as a broker and let us take care of the loss ratio, the hassle of the administration, and let us care for your client with the best service available. SAU is committed to providing

unconditionally good service and to offer our sympathy and support within the terms of our policy wordings and agreements. We are dedicated to the fairest possible settlement of all valid claims within our policy terms.

Motorcycles and quad bikes Apex Underwriting Managers (Hollard) Postal address (head office): PO Box 11344, Wierda Park South, 0057 Website: www.apexsa.co.za Phone: +27 (0)86 104 6046 Fax: +27 (0)86 686 3532 E-mail: info@apexsa.co.za Product information: Apex is a specialist bike insurer and is underwritten by Hollard.

• 24-hour roadside assistance. Our core insurance products include superbikes, quad and off-road bikes, cruisers and dual purpose motorcycles. Apex understands the value of accessories and performance enhancers, which are provided for under optional extras. Underwriting is unique to each individual.

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Includes: • Approved track school cover with easy-tounderstand excess structure. • En-route on-cycle insurance which covers death, permanent disability, temporary disability and medical expenses even if the insured has medical aid. Optional extras: • Non-standard accessories, riding gear and apparel and trailer can be specified. • Pillion cover for all passengers who do not need to be named.

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Motorcycles and quad bikes Dirtsure (Cross Country Insurance Consultants (Pty) Ltd) Postal address (head office): PO Box 731065, Fairlands, 2030 Website: www.ccic.co.za Phone: +27 (0)86 123 3478 Fax: +27 (0)11 476 8205 E-mail: info@dirtsure.co.za Product information: Dirtsure provides comprehensive cover including full offroad use for dual sport, dirt bikes and quad bikes – replacement of bike within first 12 months of registration. Territorial limits: Angola, Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Republic of South Africa, Swaziland, Tanzania, Uganda, Zambia and Zimbabwe. Racing risks at an approved MSA event for dirt bikes only; repatriation following accident or breakdown; medical

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emergency evacuation services in Botswana, Lesotho, Mozambique, Namibia, Republic of South Africa, Swaziland and Zimbabwe. Once the motorcycle or quad is insured, the client has the option to insure other outdoor equipment on a far wider basis than his conventional policy. Items such as racing gear, electronic equipment such as GPS systems, camping equipment, watercraft and jet skis, kayaks, paddle skis and windsurfers, mountain bikes, photographic equipment and other sporting equipment. Cross Country is an underwriting manager of Renasa Insurance Company Limited, registration number: 2008/013847/07, FSP number: 39547.

IUM Postal address (head office): Private Bag X10, Gardenview, 2047, Johannesburg Website: www.ium.co.za Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 E-mail: info@ium.co.za Product information: IUM is a specialist motorcycle underwriter. Our core focus of business includes superbikes, quad- and off-road motorcycles, including cruisers and dual purpose motorcycles. Cover is also provided for clothing and riding apparel, where required.

Benefits include: • Comprehensive cover • Track cover • Protection and repair • Delivery after repair • Transit cover • Specialised rates for BMWs, Harley Davidsons, Triumphs and Tourers Optional cover: • All risk cover for riding apparel • Pillion passenger cover • Personal accident cover • Credit shortfall

UMA Directory 2012

Product information: Bikeguard and Bikeguard Plus – Risk Guard Alliance (Pty) Ltd, a dynamic underwriting management agency that is underwritten by RMB Structured Insurance Limited, offers a comprehensive motorcycle-specific product, either as a stand-

Motorcycles and quad bikes alone motorcycle policy or as a combined policy for personal or professional use. Our Bikeguard policy includes: • comprehensive insurance to all road, scooters, off-road and quad motorcycles • low excess structure • non-standard accessories can be specified • riding gear and apparel can be specified

• motorcycle trailer can be insured for specified amount • approved track schools – classes A, B, C and D. • MSA-endorsed racing cover on two-wheeled off-road motorcycles • extended cover outside RSA • 24/7 roadside assistance.

Wheels Underwriting Managers (Pty) Limited Postal address (head office): PostNet Suite 421, Private Bag X75, Bryanston, 2021 Website: www.wheelrite.co.za Phone: +27 (0)11 267 4000 or +27 (0)86 010 3412 Fax: +27 (0)11 267 4298 E-mail: wheels@wheelrite.co.za Wheels provides a personal service and is as passionate about motorcycles as the riders are. We understand the personal value of bikes, accessories and riding apparel. Wheels has adjusted its underwriting to attract the more mature rider of 28 years and older. Some exceptions are made under special arrangement. We have reduced the age of riders on off-road and quad bikes to 16. Key features of insurance for superbikes, road bikes, dual purpose bikes and Vespas: • Learner’s licence accepted (with restrictions). • Track day cover on request. • Accidental tyre damage cover. • Own damage excess reducer. • Passenger liability cover while riding (up to R500 000). • Personal accident cover while riding. • Fleetcare Roadside Assist – mechanical and electrical breakdown assistance, flat tyre assistance, flat battery assistance and out of fuel assistance, among other services (provided by the AA). • Replacement as new (subject to conditions). • Specified riding apparel cover. • Up to three additional riders per policy at no extra cost.

Key features of insurance for quads, all-terrain vehicles, motor-cross, trail and Enduro Bikes: • Comprehensive cover provided. • Specified riding apparel cover. • Own damage excess reducer. M N O

Key features of insurance for Harleys, Gold Wings and Cruisers: • Highly competitive rates. • Learner’s licence accepted (with restrictions). • Passenger liability cover while riding (up to R500 000). • Fleetcare Roadside Assist (provided by the AA). • Replacement as new available (subject to conditions). • Own damage excess reducer. • Accidental tyre damage cover. • Specified riding apparel cover. • Up to three additional riders per policy at no extra cost.

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Motor fleet

Motor fleet African Motor Underwriters Postal address (head office): PO Box 2847, Parklands, 2121 Website: www.amu.co.za Phone: +27 (0)11 447 4653 Fax: +27 (0)11 788 8362 E-mail: neil@amu.co.za

established Lloyd’s UMA and underwrite all types of motor risks (except private motor) including large corporate fleets, HCVs and small commercial risks. We also underwrite motor traders risk and GIT for our trucking clients.

Product information: We are a long Etana Insurance Physical address (head office): Etana Trucking, Unit 11, Hillcrest Office Park, 2 Old Main Road, Hillcrest, 3610 Website: www.etana.co.za Phone: +27 (0)31 765 6541 E-mail: charlief@etana.co.za or iany@etana.co.za

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needs of heavy commercial vehicle (HCV) operators including cars, LDVs and certain special types of vehicles that are a minor part of any HCV fleet. We offer: • heavy commercial vehicle cover • motor third party liabilities • own damage excess reducer • theft, hijacking excess reducer • loss of use cover.

Product information: We deliver purposedesigned insurance to fit the individual risk HIC Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2253, Bedfordview, 2008 Website: www.hicsa.co.za Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 E-mail: info@hicsa.co.za

Product information: Our motor fleet product allows us to design the perfect programme for your client with options of aggregates, stop losses and deposit premiums.

UMA Directory 2012

which specialises in commercial trucking and transportation insurance. Cover is available for owner-drivers, small fleet and certain large fleet that operate locally and in an intermediate and long-haul radius. Policy benefits and services: • Competitive rates • 24/7/365 claims support • In-house claims settlement

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Motor fleet • Accident scene management • On-site legal services Cover includes: • Fire extinguishing charges • Loss of keys • Search and recovery costs • Third party liability • Towing, wreckage removal • Windscreen cover

Optional cover: • Credit shortfall • Cross border recovery and towing costs • Excess reducer • Extended wreckage removal • Goods in transit • Riot and strike • Truck hire

Motor Acceptances Postal address (head office): PO Box 412301, Craighall, 2024 Phone: +27 (0)11 781 7939 Fax: +27 (0)11 781 7940 E-mail: grant@motoracceptances.co.za

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Product information: Specialists in motor fleet insurance.

Omnicover Transport and Transit Acceptances (Pty) Ltd (Hollard) Postal address (head office): PO Box 304, Bedfordview, 2008 Website: www.otta.co.za Phone: +27 (0)11 022 0701/2/3/4/5 Fax: +27 (0)11 615 1040 E-mail: craigm@oracc.co.za Product information: OTTA is establishing itself as a leading underwriting manager for the commercial motor vehicle market. Our well-rounded team of insurance professionals has extensive knowledge and broad experience of this market. We support brokers’ business needs with our customised product offerings, technical expertise and dedicated service ethic. The core product is based on our unique Commercial Motor Vehicle Comprehensive policy, which has been specifically developed to cater for the risk exposures facing the transport industry. The wording has additional benefits not normally offered on a commercial

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motor policy and we have extended the territorial limits for our clients travelling into Africa. In addition to the traditional insurance policies, we are able to offer various structured deals to clients who require specialised risk funding programmes. Our approach is to underwrite each account on its merits thus ensuring fair terms for the risk insured. At Omnicover Transport and Transit Acceptances (Pty) Ltd, we understand the meaning of transport and transit insurance. We have an innovative product that caters for small to medium commercial business, as well as national fleets. As premium levels continue to rise, most insurance companies are now demanding more protection and risk management planning and our expertise will help you reduce your insurance costs and prevent potential business damaging issues, thus improving your profitability.

Motor fleet Paladin Underwriting Managers Postal address (head office): PO Box 613, Rondebosch, 7701 Website: www.paladin.co.za Phone: +27 (0)21 686 7270 Fax: +27 (0)86 559 7283 E-mail: peter@paladin.co.za Product information: Paladin Underwriting Managers provides motor policies for commercial ventures written on a fleet

or specified basis, with a choice of flat conventional, aggregate excess, or burning cost basis. Products are tailored for commercial motor fleets and include car and bakkie rental companies, but exclude taxis and driving schools. Road assist products are now automatically added to the basic motor policy. Heavy haulage business is underwritten only on a self-funded programme with an aggregate excess and/or stop-loss protection.

third party liabilities product: • risk-controlled commercial fleets • self-insured fund protection (aggregate deductible) • own damage and third party • clean-up and spillage costs including pollution • fare-paying passenger liability • excess of loss passenger liability • excess of loss motor liability • numerous extensions at no extra cost.

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Motor homes and caravans / Motor – small area repair

Motor homes and caravans Cara-Sure Phone: +27 (0)86 186 8765 Fax: +27 (0)86 615 2756 E-mail: info@carasure.com

Motor – small area repair Small Area Repair Technologies Underwriting Managers (Pty) (Hollard) Postal address (head office): PO Box 2654, Vereeniging, 1935 Website: www.smartinsurance.co.za Phone: +27 (0)16 454 2000 Fax: +27 (0)16 423 7032 E-mail: info@smartinsurance.co.za

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Product information: Smart is a revolutionary product that covers minor dents and scratches, allowing you to keep your vehicle in good condition without denting your no-claim bonus. Everyday wear and tear not only

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decreases the value of your vehicle, but also becomes unsightly over time if not maintained. Customised to your needs, affordable and easy to use – this plan is simply smart. • Claim as often as you need without excess. • No negative impact on your no-claim bonus. • Superior finish that will ensure excellent resale value. • Quality body shops and mobile repairs. • Professional administration and claims centre.

Motor – special requirements

Motor – special requirements Inception Value Policy Underwriting Management Agency (IVP) Physical address (head office): Renasa House, 170 Oxford Road, Melrose, Johannesburg Phone: +27 (0)11 380 3195 Fax: +27 (0)11 380 3080 E-mail: ivp-uma@renasa.co.za

Product information: IVP is a division of Renasa Insurance Company Limited (FSP number: 15491), specialising in underwriting motor policies that insure vehicles against retail value depreciation.

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LCVSure accommodates the small- to mediumsized business whose primary requirement is to insure bakkies.

Product information: Policy Provider is a niche company that designs and underwrites niche products.

RetrenchSure offers three products: • A stand-alone policy can insure a monetary value will be paid out in the event that the insured is retrenched. • An add-on product which can be added to a domestic line policy or similar, that will insure a premium or payment in the event that the insured is retrenched. • A customised product can be tailored for instalment sale agreements, premium payments or monthly credit agreements.

StayMobile is an add-on or stand-alone product that gives the client the assurance of being mobile in the event that the vehicle is stolen, is involved in an accident, the third party insurer cover has been utilised or in the case where the car has to be serviced. The product can be added on to a domestic lines or commercial policy. Specifically packaged products or options can also be arranged.

TransitSure is a conventional goods-in-transit policy.

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PG Glass

signs the Proudly South African Buy Local Pledge

G Group CEO and chairman of the Manufacturing Circle, Stewart Jennings; National Union of Metalworkers of South Africa (NUMSA) General Secretary, Jim Erwin; and Proudly South Africa CEO, Leslie Sedibe signed the Proudly South African Buy Local Pledge on 17 November 2011. This initiative is to support the local procurement accord which is designed to help increase the demand for locally produced products and services. As organisations, they undertake to make a conscious effort to buy local as it is a means of building competitiveness of local enterprises and to enhance the capacity to sustain and create employment for the people of South Africa. The Local Procurement Accord is endorsed and supported by government, business, labour and community groups. The objective of the accord is part of the implementation phase of South Africa’s new growth patch,

which aims to create five million new jobs by 2020. Terrance Creamer from Engineering News wrote in his article on its website that “an aspirational buylocal target of 75 per cent was set for both government and business organisations, with a primary ambition being that of bolstering South Africa’s embattled manufacturing sector. Leslie Sedibe said the recently adjusted preferential procurement regulations should provide a catalyst for the buy local thrust, while NUMSA’s Jim Erwin reiterated organised labour’s commitment of procuring locally made goods and services by the union.” Stewart Jennings indicated that the pledge envisaged advancing the country’s overall objective of creating skilled and semi-skilled job opportunities. “Once we started interacting, we quickly realised that many common objectives existed, such as the need for a competitive currency to underpin exports; the need to boost enterprise development; and to better understand

the impact of illegal imports on the South African economy. Many Chinese imports are coming in with unfair incentives from the Chinese Government and taking thousands of jobs in South Africa. Other factors include the high cost of doing business such as municipal fees, port charges, electricity prices and the increasingly onerous terms of trade,” he said. The PG Group stands behind and supports the Buy Local Pledge. PG Glass has signed the pledge and will be rallying the support of all stakeholders in this regard. Join the PG Glass virtual rally on Facebook and become an activist for local producers. Find us on Facebook under ‘Buy Local Pledge’ and upload your company logo, a photograph of yourself or design a placard in support of South African producers of goods and services. For more information, please contact Bernice Bailey on bbailey@ pg.co.za

Motor third party liabilities / Motor traders

Motor third party liabilities Leppard and Associates (Pty) Ltd Postal address (head office): PO Box 2730, Houghton, 2041 Website: www.leppard.co.za Phone: +27 (0)11 459 1640 Fax: +27 (0)11 268 5887 Contact person: Simon Leppard E-mail: simon@leppard.co.za

Product information: Leppard’s motor fleet third party liability insurance falls under the ambit of its liability insurance products.

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Product information: Network is a specialist liability and professional indemnity underwriting agency writing for Guardrisk Insurance Company. We have R100 million capacity

Motor traders Auto Trade Underwriters (Pty) Ltd Postal address (head office): PO Box 21427, Helderkruin, 1733 Website: www.atu.co.za Phone: +27 (0)11 764 3839 Fax: +27 (0)11 764 3543 E-mail: atu@atu.co.za

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Product information: We are specialists in motor traders’ insurance offering a unique products for motor traders.

Motor vehicle personal accident cover

Motor vehicle personal accident cover Flexible Accident and Sickness Acceptances (Pty) Ltd Postal address (head office): PO Box 1112, Houghton, 2041 Website: www.enroute.co.za Phone: +27 (0)86 132 7222 or +27 (0)21 555 4700 Fax: +27 (0)11 643 5536 or + 27 (0)11 413 1938 E-mail: maria@fasacc.co.za Product information: Enroute In-Car Insurance is the result of a partnership between Hollard Insurance and Flexible Accident and Sickness Acceptances (FASA). Enroute provides cover for any occupant of a specified vehicle whether the vehicle itself is insured or not. The

payment of benefits is independent of any other insurance or Road Accident Fund cover. Any injured person or persons will receive the full benefit chosen. Includes: • Death • Permanent total disability • Temporary total disability • Medical expenses Extensions: • Disappearance and exposure to elements following an accident • Hijacking and trauma counselling

Flexibility and innovation, matched with sound underwriting to each product, risk and benefit. F.A.S.A a leader in Group Personal Accident Insurance offers many additional extensions at little or no additional cost. Stand alone benefits, aggregate excesses and other variations to conventional GPA cover and pricing can be accommodated. In addition to our flexible GPA products, talk to us about our innovative and varied individual personal accident covers.

www.fasacc.co.za

Johannesburg: 0861 FASA CC / 0861 3272 22 Cape Town: 021 555 4700 Reg. No 1992/005557/07 An authorised Financial Services Provider (FSP 9133)

Underwriting Managers for Hollard Insurance Company Limited (Reg.No 1952/003004/06)

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UMA Ad 1 REPRO Rev 1.pdf

2012/01/31

Motor vehicle personal accident cover

10:44 AM

Tourism Risk Underwriting Managers CAR HIRE INSURANCE TO KEEP YOU MOBILE

StayMobile is an add-on or standalone product that gives the client the assurance of being mobile in the event his vehicle is stolen, has an accident, third party insurer cover has been utilised or in the case where their car has to be serviced.

GOODS IN TRANSIT WITH A DIFFERENCE

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TransitSure is a conventional Goods In Transit policy. Cover includes overloading exceeded, over height exceeded, salvage and recovery, debris removal, loading and off loading cover and roadside assistance; including mechanical breakdown on the vehicle, security in the event of an accident, overturning or collision.

BAKKIE INSURANCE FOR THE SME Y

LCVSure accommodates the small to medium sized business whose primary requirement is to insure bakkies. The product includes free GIT and tools cover for each bakkie covered on the policy.

CMY

FOR THE ESSENTIALS

RetrenchSure offers three products. 1. A standalone policy where a client can insure a monetary value in the event that the insured is retrenched. 2. An add-on product that will insure a premium or payment in the event of retrenchment. 3. A customised product tailored for instalment sale agreements, premium payments or monthly credit agreements.

niche products are our business

Suite 103, Il Palazzo, Cnr Zennith & Solstice Rd's, Umhlanga Ridge.

Tel: 031 566 2322 Fax: 031 566 2374

Policy Provider underwrites and administers StayMobile, LCVSure, TransitSure and RetrenchSure. Policy Provider is an authorised financial service provider: Reg. No. 2004/020247/07. FSP No 43569. Policies underwritten by Saxum Insurance Limited. Saxum Insurance Limited is an authorised financial services provider FSP No 32460.

Postal address (head office): PO Box 250, Umhlanga Rocks, 4320 Website: www.trum.co.za Phone: +27 (0)31 562 0426 Fax: +27 (0)31 562 0025 E-mail: info@trum.co.za Product information: We are specialists in tourism, hospitality and wildlife insurance. As Lloydâ&#x20AC;&#x2122;s cover holders we are easily able to tailor-make solutions for our niche market. We offer asset protection (property damage and asset all risks solutions available) for all construction types, including thatch, throughout sub-Saharan Africa, motor (sub-Saharan territorial limits) and passenger liability (subSaharan territorial limits). Indemnity limits up to R100 million and general public liability indemnity limits up to R100 million (basic and broad-form solutions). Cover for clients or risks throughout sub-Saharan Africa and worldwide jurisdiction can be obtained. Wildlife transit and all risk of mortality covers are available. We also offer evacuation and comprehensive medical evacuation cover for guests in the event of a life-threatening medical emergency following body injury or illness throughout subSaharan Africa.

Motor vehicle rental insurance / Motor warranties/mechanical breakdown

Motor vehicle rental insurance Paladin Underwriting Managers Postal address (head office): PO Box 613, Rondebosch, 7701 Website: www.paladin.co.za Phone: +27 (0)21 686 7270 Fax: +27 (0)86 559 7283 E-mail: peter@paladin.co.za Product information: Paladin Underwriting Managers provides motor policies for commercial ventures written on a fleet

Motor warranties/mechanical breakdown

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Advantage Motor Plan (Pty) Ltd (Hollard) Postal address (head office): PO Box 2184, Florida Hills, 1716 Website: www.ida.co.za Phone: +27 (0)11 288 7300 Fax: +27 (0)11 288 7331 E-mail: johan@ampwarranty.co.za Product information: AMP offers extended warranties on new vehicles and a range of warranties on pre-owned vehicles. Since the owners and staff of this business have many years of experience working in

this environment, they have a deep and meaningful understanding of the value chain and requirements of all parties involved. AMP offers a wide range of options to clients with respect to one- and two-year warranties. The company is also renowned for fair and consistent claims handling, and is favoured by repairers in the industry for prompt settlement where repairs have been carried out. As AMP has a national footprint, it is able to provide excellent service anywhere in South Africa.

Motorite Insurance Administrators (Pty) Ltd Postal address (head office): PO Box 1034, Gallo Manor, 2052 Website: www.motorite.co.za Phone: +27 (0)86 066 2211 Fax: +27 (0)11 259 4894 E-mail: cssupport@motorite.co.za

the Options range of value-added products. Motorite is a registered financial services provider, FSP license number: 9140.

Product information: We offer products and services within the motor vehicle insurance industry, including the Options Formula range of motor vehicle, truck and motorcycle warranties; Options Motor Drive maintenance plans; Options Motorway service plans; and UMA Directory 2012

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Motor warranties/mechanical breakdown SA Warranties (Pty) Ltd Postal address (head office): Private Bag X5, Bruma, 2026 Website: www.sawarranties.co.za Phone: +27 (0)11 417 0300 Fax: +27 (0)86 032 9729 E-mail: customercare@sawarranties.co.za Product information: SA Warranties is a specialist in the development and administration of mechanical breakdown insurance and contract maintenance products and solutions. Our customers: • Financial institutions • Original equipment manufacturers • Dealerships • End-users

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Our offering: • Manufacturer passenger and commercial vehicle warranty programmes. • Extended passenger and commercial vehicle warranty programmes. • Outdoor and lifestyle warranty programmes. • Customised warranty programmes. Benefits of our vehicle warranty programmes: Our leading range of mechanical breakdown insurance programmes is designed to offer financial assistance, in the event of unexpected mechanical breakdowns or electrical failures. Additional benefits include: • AA roadside assistance • Tow-in charges assistance • Vehicle hire assistance • Hotel accommodation assistance Service and maintenance plan programmes: A service plan covers all your

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scheduled servicing costs inclusive of labour, but excludes the costs of top-up oils and wear and tear components. Benefits of a service plan: • Ensures all scheduled services are carried out by a qualified technician from an RMIapproved repairer or Original Equipment Manufacturer. • No more budgeting for servicing costs. • The service plan is transferable if you decide to sell your vehicle. A maintenance plan offers all the benefits of a service plan, with the added benefit of cover on major wear and tear components. Benefits of a maintenance plan: • It is your complete answer to peace-of-mind motoring. • Covers all scheduled services as per the Original Equipment Manufacturer service schedules. • Includes parts and labour for all unforseen and unscheduled maintenance work. • Ensures proper maintenance to enhance your vehicle’s resale value. Maintenance plans exclude all accident damage, glass, body and trim.

Specialist in agreed value motor insurance.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED Renasa Insurance Company Limited, IVP Division Contact Details: 5FM r 'BY 3FOBTB )PVTF 0YGPSE 3PBE .FMSPTF +PIBOOFTCVSH r 1 0 #PY $SBJHIBMM +PIBOOFTCVSH JWQ VNB!SFOBTB DP [B r XXX JWQ VNB DP [B FSP License Number 15491

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4. Prominent vehicle manufacturers, Honda and Toyota, both had to recall vehicles in 2011 due to defects that were potentially dangerous.

The letters “P;Q&R”

p;q&r

PQ&R – 10 facts about product recall

5. Honda and Toyota also had other instances of product recalls in 2007 and 2010, respectively.

6. A number of pet food recalls in 2007 resulted in hundreds of deaths and severe illness abroad and in South Africa. Affected brands included Hill’s, Royal Canin and Nestlé Purina, among others.

7. In the same year, Nokia recalled some 46 million batteries which tests revealed could explode after short circuit. 1. A product recall is a request to return to the maker a batch or an entire production run of a product, usually due to the discovery of safety issues. The recall is an effort to limit liability for corporate negligence (which can cause costly legal penalties) and to improve or avoid damage to publicity. 2. Recalls are costly to a company because they often entail replacing the recalled product or paying for damage caused by use; for this reason product recall insurance can be put in place to cover the costs of recall and claims arising from use of the contaminated or faulty product. 3. Product recall insurance can also cover the cost of media advertising and correspondence to create public awareness of the recall. 200

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8. Product contamination or faulty manufacturing can be as a result of malicious acts or inadvertent error or exposure.

9. Salmonella and E. coli contamination has caused recalls of several products, including eggs, twominute noodles, cereals, ground beef and cookie dough.

10.In 2010, 43 children’s medicines manufactured by Johnson & Johnson were recalled in 12 countries due to apparent sub-standard manufacturing.

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Pension fund trustees’ liability

Pension fund trustees’ liability Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions to a broad spectrum of industries in South Africa. Camargue’s unique product offering uses the M3 principle. This is to manage, mitigate and migrate critical business risks. The company was founded in 2001 to meet the rapidly changing risk transfer needs of businesses operating in Southern African. Some of our products include: • directors and officers’ liability • employment practice liability • pension fund trustee liability • Camargue general liability • Camargue commercial crime • broker professional indemnity • body corporate trustees • clinical trials • directors’ and officers’ and fidelity guarantee for financial institutions • medical malpractice for medical establishments and practitioners • professional indemnity for corporates • cyber liability.

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a scholarship worth more than R60 000 to students who wish to complete a masters of commerce degree. A further two scholarships are offered for a bachelor of commerce with honours in risk management and insurance. For the existing industry, Camargue offers the Broker Liability Academy. Launched in July, 2011, the Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

Performance guarantees

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Performance guarantees Firedart Engineering and Construction Guarantee Postal address (head office): PO Box 62660, Marshalltown, 2107 Website: www.firedart.co.za Phone: +27 (0)11 833 1400 Fax: +27 (0)11 836 1020 E-mail: mike@firedart.co.za Product information: Firedart provides a variety of products that cater for the engineering sector including contracts all works, erection all risks, plant all risks, machinery breakdown, including business interruption and deterioration of stock, works damage. Firedart also specialises in

construction guarantees/bonds and can structure a tailor-made solution to cater to unique requirements. Products: Contract works, plant all risks, machinery breakdown, business interruption, deterioration of stock, works damage, electronic equipment, construction guarantees/bonds Firedart Engineering Underwriters recently merged with Construction Guarantee to ensure a more comprehensive cover to clients in the engineering sector. UMA Directory 2012

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Performance guarantees Performance and Customs Bond Services (Pty) Ltd Postal address (head office): PostNet Suite 353, Private Bag X30500, Houghton, 2041 Website: www.pcbs.co.za Phone: +27 (0)11 482-2101/5981/8012 E-mail: info@pcbs.co.za Products: • Bid bonds (letter of intent) • Performance guarantees • Maintenance guarantees • Retention guarantees

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PERFORMANCE GUARANTEES Offers a comprehensive suite of guarantee products.

A DIVISION OF RENASA INSUR ANCE COMPANY LIMITED

Renasa Insurance Company Limited, Performance Guarantees Division Contact Details: Tel (031) r 'BY (031) 566 4864 OE 'MPPS (BUFXBZ "VUP $JUZ +VCJMFF (SPWF 6NIMBOHB 3PDLT r 1 0 #PY 6NIMBOHB 3PDLT HVBSBOUFFT!SFOBTB DP [B r XXX SFOBTB DP [B 3FHJTUSBUJPO /P r '41 -JDFOTF /VNCFS

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Personal accident

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Personal accident Flexible Accident and Sickness Acceptances (Pty) Ltd (FASA) Postal address (head office): PO Box 1112, Houghton, 2041 Website: www.fasacc.co.za Phone: +27 (0)86 132 7222 Fax: +27 (0)11 643 5536 E-mail: miked@fasacc.co.za Product information: FASA provides corporations with tailor-made personal accident cover, such as accidental death, permanent and temporary disability and medical expenses, as well as specialised products to unions, motor fleets and schools.

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Includes: • Cover following accidental injury. • Death, disability or medical expenses within 24 months after accidental bodily injury. • 24-hour worldwide cover. • Scale of benefits for permanent total disablement. • Permanent total disablement preventing the insured from employment or any other occupation for which they are suited. • Temporary total disablement in addition to capital benefits. • Age limits from 15 to 70 years of age (older employees assessed on merits).

Personal accident Extensions: • Disappearance • Disfigurement (not limited to burns) • Funeral costs • Rehabilitation costs • Mobility costs • Body transportation costs • Emergency transportation costs

Optional extensions: • Temporary total disablement following illness • Dread disease cover • Daily hospital cash benefits as a result of accident or illness • Trauma • Unusual risks

Health and Accident (Pty) Ltd Postal address (head office): PO Box 324, Rivonia, 2128 Website: www.healthacc.co.za Phone: +27 (0)11 234 7333 Fax: +27 (0)86 605 5859 E-mail: ahofman@healthacc.co.za Product information: Health and Accident (Pty) Ltd has operated in the health and personal accident insurance market for the

past 16 years. We develop and distribute all business via the broker market. The products distributed are: group life, funeral, medical aid gap cover, travel insurance, personal accident and group personal accident. We also distribute income protection cover and are able to customise various aspects of cover for affinity groups or broker networks. A solution is available to brokers for expatriates working outside the borders of South Africa.

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Personal accident Praesidio Risk Managers (Pty) Ltd Postal address (head office): PO Box 3337, Cramerview, 2060 Website: www.praesidio.co.za Phone: +27 (0)11 521 4056 Fax: +27 (0)11 521 4002 E-mail: andrew@praesidio.co.za Product information: 1. Group personal accident: Our core benefits include accidental death, permanent and temporary disability, medical expenses, critical illness and loss of income. Types of risk we cover: • South African corporations of all sizes • mining • security guards • oil rigs • hunting • film crews. 2. Aviation personal accident: This facility provides pilots and crew with accidental death, permanent and temporary disability and medical expenses. Cover can be purchased for an individual pilot and can include passengers. 3. HIV+ needlestick cover: Covering medical professionals for accidental HIV exposure treatment and a lump sum upon positive HIV conversion.

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Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 E-mail: forrestm@sha.co.za Product information: Personal accident product: • Customised packages for specific clients’ needs • capital sum payments or weekly benefits • dread disease • needlestick cover • hospital cash benefit • cover can be arranged on a 24-hour basis or restricted to working hours only • no medical examination required • the wording is internationally acceptable with limited exclusions • numerous extensions at no extra cost • self-insurance/ aggregate deductible. 208

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4. Extreme risk personal accident: We provide up to R1 000 000 in the case of accidental death and disability while participating in any activity deemed to be extreme, such as skydiving, bungee jumping, mountaineering, white-water rafting, yachting, cave diving and skin diving. Praesidio Risk Managers offers highly specialised and niche personal accident and healthcare insurance to our clients through our broker network. Our tribunalisation with Lloyd’s of London in 2003 put us in the position to provide coverage and capacity not readily available in our local market. We maintain a relationship of excellence with our underwriters that enhances our flexibility to accommodate our brokers on each and every risk. In addition to personal accident, Praesidio also has access to specialist niche insurance products such as: • kidnap and ransom • professional sports personal accident • key man • political evacuation • contingency insurance.

Personal lines

Personal lines Ad Ultimum Outsourcing (Pty) Ltd Postal address (head office): PO Box 9857, Centurion, 0046 Website: www.adultimum.co.za Phone: +27 (0)12 345 5052 Fax: +27 (0)12 345 2676 E-mail: info@auo.co.za FSP number: 8273

Bright ideas make you adaptable

Product information: Ad Ultimum provides affordable, tailor-made products for individuals and/or groups.

Extensions: • extended personal accident • mechanical and electrical breakdown of household goods • stand-alone or part of package cover for breast cancer and HPVrelated cancers • motor hire, top-up, excess waiver under the motor section • extended personal liability (PLIP). Add-ons: • roadside assistance for mechanical and electrical breakdowns or when a collision has occurred • 24-Fix: an appliance and household repair service to home owners. Commercial insurance: General commercial insurance for small, medium and large type of business ventures. Through Ad Ultimum Outsourcing (Pty) Ltd, short-term insurance brokers can become the irreplaceable and most important link between the policyholder and the insurance underwriter. Ad Ultimum is a short-term

SSP gives you the edge

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Keeping up with the ever-changing South African insurance market means being able to adapt - that’s where our bright ideas come in. Our high-end technology keeps you agile, with solutions that adapt perfectly to the shape of your business. Efficiency, speed and agility are at the core of the SSP philosophy - three qualities we integrate into each and every technology solution we create. Providing solutions to over 130 insurance companies in over 50 countries, many of them in Africa, SSP is the global technology partner to unlock your true potential so that you thrive in every kind of market. For insurance technology solutions talk to us. Call +27(0) 11 384 8600 or email info.za@ssp-worldwide.com

www.ssp-worldwide.co.za

2170 TheCheeseHasMoved

Personal lines: • all personal effects • all risk cover for the contents of the house • full subsidence and landslip cover for house contents and house owners • personal accident cover for existing clients over 70 years, until the policy lapses/cancels • trauma cover after armed robbery or attempt threat.

Personal lines insurance outsourcing company that manages the underwriting, claims and administration in respect of personal lines, commercial insurance and group schemes through efficient insurance systems. Ad Ultimum can provide a comprehensive all-round service to brokers and underwriters to ensure they have a competitive advantage. Our main objective is to assist companies to function more independently and to be able to have sufficient control on all levels. Independence and control imply the ability to keep accurate records, statistics, facts and figures as well as collection of premiums directly from policyholders. We provide an Internet-based insurance solution utilising browser technology. The solution facilitates access via both the Internet and the traditional digital data networks. Alternative Commercial Acceptances (Pty) Ltd FSP39835

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Postal address (head office): PO Box 504, Fauna Park, Polokwane, 0787 Website: www.acaselect.co.za Phone: +27 (0)87 808 5040 or +27 (0)87 808 5599 Fax: +27 (0)86 620 0174 E-mail: leon@acaselect.co.za or francois@acaselect.co.za Product information: ACA is a registered financial services provider with an underwriting arrangement with Western National Insurance Company Ltd. Commercial lines: We write all general lines of short-term insurance, with preference to commercial business (small to medium industries).

Hospitality lines: We are able to write hospitality business, lodges, hotels, game and hunting farms, guesthouses and related risks. Personal lines: We have a very competitive personal lines product with a well-balanced rating approach to the risks that we would like to acquire. Farming lines: We can provide a wide range of covers that will cater for the needs of commercial and bona fide farming entities. Niche product: Turtle Iâ&#x20AC;&#x2122;Cover â&#x20AC;&#x201C; We have a market first in this product where we are breaking boundaries to extend existing clients cover to ensure that they are not left with a shortfall when experiencing a claim.

Anchor Risk Management Postal address (head office): PO Box 220, Newlands, 0049 Website: www.anchorisk.com Phone: +27 (0)12 425 0060 Fax: +27 (0)12 460 6062 E-mail: manage@anchorisk.com 210

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Product information: Personal lines short-term insurance and commercial lines short-term insurance.

Personal lines Antares Broker Support Physical address (head office): Suite 16, Sloane Centre, Bryanston, 2194 Website: www.antaresbrokersupport.co.za Phone: +27 (0)83 267 6864 Fax: +27 (0)86 653 9493 E-mail: maurizio@antaresbrokersupport.co.za Product information: Antares Broker Support provides an Internet-based, multiproduct quote platform to brokers for personal lines products. Our offerings are competitively priced to ensure brokers have a competitive edge in the market. Brokers can easily quote their clients within a minute or two and receive our spread of product offerings almost instantaneously. Following that, Antares will handle all the telephonic underwriting on behalf of the broker, plus all other policy administration services such as premium collection/allocation, commission payments, policy communications to client and broker via e-mail or post and complete claims handling, thus allowing the broker to focus on growth and profitability within a secure and compliant framework without having to spend time on administration. Our aim is to equip the broker with competitively priced products with simple-to-use, streamlined technology with the added ethos

of aiming to be unmatched in both service and product delivery. We have some additional products specifically aimed at certain sectors of the market. Our Petticoat product is aimed at women over the age of 27. Some benefits include: • reduced premiums • reduced excesses • standard handbag cover included for R5 000 (can be increased) • road and home assistance services included • car hire facility. 50 Plus Saver product: • insurance for clients 50 years of age and over • discounted rates • no basic excess on motor accident claims • no basic theft/hijack excess • includes insured’s spouse • car hire facility • road and home assist. Platinum product: • competitively priced premiums for first-time buyers or clients with no previous insurance history • motor alone possible or can be combined with householders, etc. • road and home assist • car hire optional • extra discount if clients have NCB’s General Commercial Insurance • our turn-around time is generally the same day, otherwise within 24 hours.

AD FASA PA

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Personal lines Aquarius Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 3002, Bromhof, 2154 Website: www.aum.co.za Phone: +27 (0)86 727 7854 Fax: +27 (0)86 688 8361 E-mail: raksm@aum.co.za Product information: U•NIQUE Personal for high net worth – A specifically designed, tailor-made U•NIQUE product for affluent clients. The U•NIQUE product was born out of the recognition that independent brokers seldom have a VIP channel for their high net worth clients and could not guarantee special service from conventional insurers. We have over 200 brokers countrywide who support the product, testimony to the product’s growing appeal and success. The distinguishing feature of this policy is the assets out option. This option replaces the traditional unspecified all risks and allows your client to have open cover for up to R250 000 for jewellery, photographic equipment and personal

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affects. Values can also be increased. We offer an automatic survey of the contents, to ensure your client is not underinsured. U•NIQUE Personal for mid net worth – This product is aimed at the upper middle class, ordinary folk throughout South Africa, who are paying between R1 000 and R3 000 per month for insurance. We also conduct pre-loss assessments on every risk, where a detailed inventory and valuation is completed, listing everything in the home and agreed with the client. The valuation summary will give your client a breakdown on premiums allocated to each category in the home, and a choice can be made as to which items to cover. Values and ownership when established up front result in trouble-free claims. The inventory doubles as a policy schedule, removing the need for separate household and all risks sections and the administrative burden and misinterpretation that can result.

SA Underwriters Postal address (head office): PO Box 3606, Randburg, 2125 Website: www.sauonline.co.za Phone: +27 (0)11 777 7200 Fax: +27 (0)11 777 7320 E-mail: info@saunderwriters.com Product information: SAU offers a selection of stand-alone motor products and personal lines products, tailored to address the suitability and affordability of your clients. Our product offering has a wide choice available, whether it is our Drive Rite Behavioural Drivers’ policy, our Core Cover policy or any of the many choices. At SAU, we believe that we offer the best possible value for money, which means the best return, safety and security for the money your client is paying for his or her insurance. Our policies also offer 212

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a choice of excess structures, such as our Flat Excess policy and your clients can choose the excess suitable for them. SAU also offers a full commercial lines offering, including our commercial stand-alone LDV policy for the busy contractor or entrepreneur. SAU is also able to offer a comprehensive range of value-added products and services to aid in client retention and experience through our underwriters. SAU is a fully intermediated business, which does not compete directly in the market. SAU has the ability to manage all administrative functions, including claims, on behalf of the broker and the insurer, thus making us a market leader as an underwriting manager in the field of personal lines, motor insurance and commercial lines business. Our quoting

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Personal lines system, Flashquote, is the fastest way to obtain a quote in seconds. Contact us to join SAU as a broker and let us take care of the loss ratio and the hassle of the admin. Let us care for your client with the best service available. SAU is committed to providing

Strategic Insurance Systems (Pty) Ltd Postal address (head office): PO Box 122, Cornwall Hill, 0178 Website: www.stratsys.co.za Phone: +27 (0)12 667 2441 Fax: +27 (0)12 667 2442 E-mail: gary@stratsys.co.za Product information: Our standard personal insurance has been created to give comprehensive cover that protects your building, contents, valuables, motor vehicles and legal liabilities. We also provide commercial insurance which is our core business focus, created to give comprehensive cover that protects your commercial buildings, plant and equipment, stock cash, motor vehicles legal liabilities and loss of income. A number of SIS Assist services are available.

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The SIS principle business objective is to be the strategic business partner to the small to

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medium owner-operated broker and be the preferred provider of insurance solutions to our chosen strategic partners. Our focus is entirely on the small to medium-sized independent broker who owns and operates his business on a daily basis with personal relationships with the majority of his client base. The SIS strategic significance is simply to ensure that the independent owner-run broker is best able to service his clients through the creation, maintenance and continual improvement of the best systems and technical support possible. We create a circle of dependency for the broker to enable him to control the entire service process (i.e. claims, underwriting and accounts) in order to deliver exceptional service. SIS is a fully capitalised risk-carrying cell within the cell-captive environment.

Cape Town

Frankfurt

Hong Kong

Ipswich

Johannesburg

Liége

Leeds

London

Manchester

Paris

Rio de Janiero

Singapore

What makes us tick?

Whatever the risk, we make every effort to find the right solution.

Our underwriters are empowered to make informed, on-the-spot decisions.

Find out what makes us tick at www.kilngroup.com/clearthinking Kiln. Leading providers of insurance and reinsurance in the Lloyd’s market since 1962

Relationships are at the heart of everything we do. We are proud of our strong, lasting partnerships – based on integrity and trust – with our customers, brokers, business associates and colleagues.

We work hard and responsibly to deliver the best service for our customers.

Pets and leisure horses

Pets and leisure horses Petsure (Pty) Ltd (Hollard) Postal address (head office): PO Box 62229, Marshalltown, 2107 Website: www.petsure.co.za Phone: +27 (0)11 481 1900 Fax: +27 (0)11 484 6187 E-mail: info@petsure.co.za Product information: Petsureâ&#x20AC;&#x2122;s medical insurance for pets is available for cats, dogs and leisure horses. Products include cover for accidental injury and illness, and a multi-pet discount is available. Pet Underwriting Managing Agency (P.UMA) Physical address (head office): 14 Parry Road, Claremont, 7708 Phone: +27 (0)800 633 4738 Fax: +27 (0)21 701 2027 E-mail: info@p-uma.co.za

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Product information: P.UMA is an underwriting manager of Renasa Insurance Company Limited and a specialist in medical insurance for pets (registration number: 2011/107009/07, FSP number: 9844).

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Petsure is a dedicated pet insurer, insuring pets since 1992. Claims are settled promptly and fairly, with a 14-day money-back guarantee. Cats and dogs must be between eight weeks and eight years old on the date of application. All pets must have a permanent form of identification to reduce risk of insurance fraud and protect all members. Benefits for covered conditions are reimbursed according to the Petsure benefit schedule, which is based on the South African Veterinary Councilâ&#x20AC;&#x2122;s guide to fees.

Specialist in medical insurance for pets.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED (P.UMA) Pet Underwriting Managing Agency (Pty) Limited Contact Details: 5FM r 'BY 14 Parry Road, Claremont 7708 info@p-uma.co.za 3FHJTUSBUJPO /P r '41 -JDFOTF /VNCFS

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Photographic equipment / Plastic risks

Photographic equipment Artinsure Postal address (head office): PostNet Suite 243, Private Bag X30500, Houghton, 2041 Website: www.artinsure.co.za Phone: +27 (0)86 111 1096 Fax: +27 (0)86 678 0333 E-mail: info@artinsure.co.za Product information: Artinsure is a specialist underwriting manager focused on the insurance needs of the art, antiques, collectables and valuables world. Together with our specialised products and professional claims service, Artinsure offers an international network of valuers, restorers and conservators. With over 25 years’ experience, Artinsure prides itself on being South Africa’s leading art, antiques, collectables, valuables and photographer insurance specialist. We offer clients choice, personalisation and flexibility in insuring their precious items and assets.

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Plastic risks Woodworking Risk Acceptances (Pty) Ltd Postal address (head office): PO Box 3464, Pietermaritzburg, 3200 Website: www.wra.co.za Phone: +27 (0)86 010 9462 E-mail: leigh@wra.co.za Product information: Woodworking Risk Acceptances offers a comprehensive insurance product for the wood, plastic and metal industries. Products are underwritten by Compass Insurance Company Limited. WRA focuses on providing a product for these historically hazardous industries.

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Artinsure has pioneered a specialised product for the photographic market – Artinsure Photographer. Until the introduction of Artinsure Photographer, there has been no comprehensive insurance product for professional and enthusiast photographers, as well as videographers. Many photographers are not aware that most policies are not comprehensive and do not offer full coverage due to the specialist nature of their equipment. In fact an ordinary all risk policy will not cover the normal risks that photographers encounter and could leave them exposed and out of pocket. True to our core value-added offerings, Artinsure Photographer offers expert advice and knowledge of the photography market, specialist repairs and replacement, as well as a tailored offering to meet the unique needs of the market.

Product guarantee/recall

Product guarantee/recall Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions to a broad spectrum of industries in South Africa. Camargue’s unique product offering uses the M3 principle. This is to manage, mitigate and migrate critical business risks. The company was founded in 2001 to meet the rapidly changing risk transfer needs of businesses operating in Southern African. Some of our products include: • directors’ and officers’ liability • employment practice liability • pension fund trustee liability • Camargue general liability • Camargue commercial crime • broker professional indemnity • body corporate trustees • clinical trials • directors’ and officers’ and fidelity guarantee for financial institutions • medical malpractice for medical establishments and practitioners • professional indemnity for corporates • cyber liability. Each Camargue policy includes value-added services with a number of risk managers. With

over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll out and delivery of its services. P Q R

With the aim of nurturing up-and-coming talent in the industry, in 2008, Camargue joined forces with the WITS Business School offering a scholarship worth more than R60 000 to students who wish to complete a masters of commerce degree. A further two scholarships are offered for a bachelor of commerce with honours in risk management and insurance. For the existing industry, Camargue offers the Broker Liability Academy. Launched in July, 2011, the Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website. UMA Directory 2012

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Product guarantee/recall Network Liability Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 1281, Randpark Ridge, 2156 Website: www.networkliability.co.za Phone: +27 (0)11 475 3585 or +27 (0)11 475 0318 Fax: +27 (0)11 675 0094 E-mail: shirley@networkliability.co.za Product information: Network is a specialist liability and professional indemnity underwriting agency writing for Guardrisk Insurance Company. We have R100 million

Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0082 E-mail: kirkd@sha.co.za

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capacity lead by Munich Reinsurance Company. We underwrite primary, excess of loss and umbrella policies. We underwrite broad-form liability covers â&#x20AC;&#x201C; general liability, products liability, products guarantee/ recall, excess of loss motor liability, contractorsâ&#x20AC;&#x2122; liability, piling liability, event liability, professional indemnity/errors and omissions covers for most professions, misappropriation of trust funds cover, and medical malpractice insurance for allied health professionals and institutions.

Product warranty

Product warranty Product Warranty Solutions (Pty) Ltd (Hollard) Postal address (head office): PO Box 651257, Benmore, 2010 Website: www.totalguard.co.za Phone: +27 (0)11 883 5001 Fax: +27 (0)11 783 1855 E-mail: luc@productwarranty.co.za Product information: Product Warranty Solutions offers customers monthly maintenance and repair cover for home appliances and electronic goods such fridges, TVs and dishwashers. We offer: • hassle-free monthly maintenance and extended warranty • collection, repair and delivery nationwide • professional and reputable repair centres. P Q R

Often customers don’t know who to turn to when their appliances breakdown and are out of manufacturer’s warranty. Our Appliance Monthly Maintenance Plan product was designed to offer customers convenience and peace of mind knowing a reputable company is there for those unforeseen situations.

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Professional indemnity insurance

Professional indemnity insurance Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions to a broad spectrum of industries in South Africa. Camargue’s unique product offering uses the M3 principle. This is to manage, mitigate and migrate critical business risks. The company was founded in 2001 to meet the rapidly changing risk transfer needs of businesses operating in Southern African. Some of our products include: • directors’ and officers’ liability • employment practice liability • pension fund trustee liability • Camargue general liability • Camargue commercial crime • broker professional indemnity • body corporate trustees • clinical trials • directors’ and officers’ and fidelity guarantee for financial institutions • medical malpractice for medical establishments and practitioners • professional indemnity for corporates • cyber liability.

P Q R

Each Camargue policy includes value-added services with a number of risk managers. With

over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll out and delivery of its services. With the aim of nurturing up-and-coming talent in the industry, in 2008, Camargue joined forces with the WITS Business School offering a scholarship worth more than R60 000 to students who wish to complete a masters of commerce degree. A further two scholarships are offered for a bachelor of commerce with honours in risk management and insurance. For the existing industry, Camargue offers the Broker Liability Academy. Launched in July, 2011, the Broker Liability Academy hosts various seminars on liability insurance, aimed at building the broker’s skill level quickly and effortlessly, and attendance is free. The rationale behind the academy is to make specialist liability insurance accessible to all brokers and to provide them with training that offers insight into what cover is provided by the product, what the exclusions are and how to sell the product. Facilitated by product experts, the seminars are hosted at the company’s premises and at various Mutual & Federal offices around the country or at a broker’s office if there are suitable numbers to warrant this. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2574 E-mail: nickys@etana.co.za Product information: Etana’s range of professional indemnity products provides 222

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a comprehensive cover solution for professionals who offer advice or a service for a fee, where such incorrect or misleading advice may potentially result in a third party claiming damages and companies operating within industries, where errors and/ or omissions could cause a third party a financial loss.

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Professional indemnity insurance General & Professional Liability Acceptances Postal address (head office): PO Box 2667, Fourways, 2055 Phone: +27 (0)11 706 0911 Fax: +27 (0)86 505 9712 E-mail: dcampbell@gpla.co.za or rhunter@ gpla.co.za Product information: GPLA underwrites on behalf of Lloyd’s of London and provides cover

to medical practitioners, allied healthcare practitioners and healthcare organisations. GPLA provides professional indemnity cover to the following professionals: • architects • attorneys • consulting engineers • quantity surveyors • project managers • insurance brokers • land surveyors • loss adjusters • tech PI • miscellaneous PI.

Hollard Liability Postal address (head office): PO Box 87419, Houghton, 2041 Website: www.hollard.co.za Phone: +27 (0)11 351 3000 Fax: +27 (0)11 351 8013 E-mail: bobst@hollard.co.za

P Q R

Product information: We provide security in the form of negligence, errors and omissions cover for all professional firms including, but not limited to, attorneys, architects, accountants, insurance intermediaries,

engineers, quantity surveyors and medical practitioners, etc. We also underwrite most liability risks for the commercial, construction and retail sectors. We might be the new kids on the block but we have a wealth of experience and an enthusiastic team who is willing and able to provide the requisite technical expertise and service. We come with in excess of 100 years experience between us and we will go out of our way to assist in finding solutions.

Leppard and Associates (Pty) Ltd Postal address (head office): PO Box 2730, Houghton, 2041 Website: www.leppard.co.za Tel: +27 (0)11 459 1640 Fax: +27 (0)11 268 5887 Contact person: Simon Leppard E-mail: simon@leppard.co.za Product information: Leppard Underwriting’s core business includes professional indemnity and broad-form specialised liability insurance. Leppard underwrites on behalf of Lombard Insurance. Includes attorneys, built environment professionals (architects, consulting engineers, design and construction, land surveyors, quantity surveyors, project managers, other built environment professionals), chartered accountants, estate agents, freight forwarders, 224

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information technology, insurance brokers (exclusive scheme or direct brokers), underwriting managers, miscellaneous PI (excluding medical malpractice).

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Professional indemnity insurance Manwood Underwriters (Pty) Ltd Postal address (head office): PostNet Suite 31, Private Bag X75, Bryanston, 2021 Website: www.manwood.co.za Phone: +27 (0)11 540 7900

Fax: +27 (0)11 540 7920 E-mail: cwatson@manwood.co.za FSP number: 1029

P Q R

Product information: Network is a specialist liability and professional indemnity underwriting agency writing for Guardrisk Insurance Company. We have R100 million

Professional indemnity insurance Risk Technical Services Postal address (head office): PO Box 803, Cramerview, 2060 Website: www.rtspi.co.za Phone: +27 (0)11 463 1101 Fax: +27 (0)86 636 5825 E-mail: dwozny@rtspi.co.za Product information: Professional indemnity offering clients an: • annual policy • project-specific policy • annual design and construct policy. The team is dedicated to supporting our brokers and their clients and, with a

collective 130 years of underwriting and claims experience, we can provide technical guidance and assistance on all aspects of construction and engineering and professional indemnity insurance. Contact people: Keith Mumford - 082 3778364, Andrew Brown - 082 6547400, Debbie Wozny - 084 5888695, Neal Helps - 082 4654169, Dirk Gouws - 083 2687482 or Caron Whitfield - 082 9028382. Johannesburg office: 011 463 110, Cape Town office: 021 526 0372.

P Q R

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Professional indemnity insurance Shackleton Risk Management Postal address (head office): PO Box 393, Strathavon, 2031 Website: www.shackletonrisk.co.za Phone: +27 (0)11 784 5373 Fax: +27 (0)86 611 3226 E-mail: michael@srisk.co.za

P Q R

Product information: SRMâ&#x20AC;&#x2122;s Professional Indemnity product protects practitioners (attorneys/liquidators) against their own professional negligence. SRM waives the applicable secondary excess for attorneys and is currently believed to have the second biggest PI market share.

Professional indemnity insurance Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: + 27 (0)11 447 0085 E-mail: taylora@sha.co.za Product information: Professional Indemnity Insurance – The world in which professionals operate is one of everincreasing pressure, with demands for quick answers and cost-effective solutions. This pressure can lead to errors and omissions by the professional, which can give rise to claims. This factor together with the litigious nature of our society underscores the need for professional indemnity insurance, both for clients and professionals. Professional indemnity insurance provides indemnity (including costs and expenses) in respect of legal liability arising as a result of practising one’s profession. It covers the insured and their business in the event of damages being awarded due to professional error, omission or act of negligence towards a third party to whom they owe a duty of care. Cover is provided on a claim-made basis, which implies that the cover must be in force when the work is performed and when the claim is lodged. SHA insures a wide range of professionals from accountants, attorneys, insurance intermediaries to personal trainers and tour operators. The PI policy covers: • a negligent act or error made during the course of duties • unintentional infringement of intellectual property rights • loss of entrusted data or documents • liability following employee dishonesty • unintentional breach of confidence • unintentional libel or slander.

P Q R

5. The 2012 school year for government schools in South Africa has 200 days.

The letter “S”

6. Types of schools found in South Africa are: boarding schools, farm schools, girls’ schools, technical schools, special needs schools, boys’ schools, public schools and private schools.

7. Vandalism and destruction of school property is a significant problem in South Africa, especially during school holidays.

S – 10 facts about schools

1. There are more than 32 000 established schools (public and independent) in South Africa. 2. According to the Department of Education, the national average learner-educator ratio (2009) in ordinary schools in the country was 29.6:1, ranging from 27.5:1 in the Free State to 31.6:1 in KwaZuluNatal. 3. SACS (South African College Schools) in Cape Town is one of the oldest schools in South Africa, founded in 1829. 4. The overall national pass rate for the National Senior Certificate exams in 2009 was 60.6 per cent.

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8. In July 2011, a school in Parkwood, Johannesburg was vandalised for seven consecutive days leaving classrooms and facilities without doors and lights and with gaping holes in ceilings.

9. School insurance is designed to cover school buildings, contents (including electronic equipment) and vehicles, and can include public liability and professional indemnity cover.

10. A number of international schools are found in major cities in South Africa, including German, French, American and British schools.

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Schools / Sectional title

Schools HIC Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2253, Bedfordview, 2008 Website: www.hicsa.co.za Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 E-mail: info@hicsa.co.za

Product information: HIC provides broad spectrum protection against risks facing schools, i.e. buildings, contents, theft, computer equipment, management liability, teacher liability, personal accident and emergency response packages.

Stalker Hutchison Admiral (Pty) Ltd (SHA) Cargotransit Insurance Underwriting Managers (Pty) Limited Postal address (head office): PO Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: + 27 (0)11 447 0082 E-mail: kirkd@sha.co.za

Sectional title CIA Commercial & Industrial Acceptances (Pty) Ltd S

Postal address (head office): PO Box 615, Bedfordview, 2008 Website: www.cia.co.za Phone: +27 (0)86 124 2777 Fax: +27 (0)86 613 6684 E-mail: sharne@cia.co.za Product information: CIA – Commercial & Industrial Acceptances (Pty) Ltd (Registration number: 2000/019340/07; FSP number: 13890) – underwrites on behalf of Compass Insurance Company Limited (FSP number: 12148; registration number: 1994/003010/06). Residential and commercial sectional title policies: CIA’s Sectional Title products comply with the requirements of the Sectional Titles Act providing trustees complete peace of mind. These products include many additional and unique complementary benefits for residential as well as industrial or commercial bodies corporate. Products include: • inflation and escalation 232

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• public supply connections • loss of rent or alternative accommodation • accidental damage • office contents (residential product) • liability • trustees indemnity • employers’ liability • all risks (residential product) • money • fidelity • machinery breakdown (residential product) • geyser maintenance • commercial glass • limited subsidence and landslip cover • power surge • claims preparation costs. Branch details: Johannesburg – Phone: +27 (0)86 124 2777; e-mail: jhb@cia.co.za Durban – Phone: +27 (0)86 124 2555; e-mail: kzn@cia.co.za Cape Town – Phone: +27 (0)86 124 2111; e-mail: ct@cia.co.za Bloemfontein – Phone: +27 (0)86 124 2222; e-mail: bfn@cia.co.za Pretoria – Phone: +27 (0)86 124 2999; e-mail: pta@cia.co.za Port Elizabeth – Phone: +27 (0)86 124 2333; pe@cia.co.za

Sectional title C-Sure Underwriting Managers (Pty) Ltd Website: www.corporatesure.co.za Phone: +27 (0)31 5712500/2 E-mail: quotations@corporate-sure.co.za FSP number: 2712 C-Sure is focused on delivering exclusive insurance solutions for sectional title schemes, share block schemes, retirement developments, homeowners’ associations, office blocks, parks and golf estates. Our bespoke Corporate Sure policy has been uniquely designed to meet the insurance requirements of the Sectional Titles Act. Together with our specialist attention and

expertise, we assist brokers in providing tailor-made protection with a wide selection of complementary covers relevant to property owners and trustees – eliminating the need to package make-do solutions with inadequate cover. C-Sure has been in the industry since the birth of sectional title insurance, lending to our expertise in the market. We have used this specialist knowledge to develop a new revolutionary commercial property insurance offering, which will cement our footprint in this niche market segment.

Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2531 E-mail: charls@etana.co.za

also provides a range of extensions to ensure owners and trustees are protected against liability claims and trustees indemnity. This is backed by Etana’s ‘local is lekker’ service and national branch network.

Product information: The Etana Sectional Title policy affords comprehensive protection to the building and other assets of the body corporate. It

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Security liability

Security liability Quantum Liability Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 13365, Clubview, 0014 Website: www.qlu.co.za Phone: +27 (0)86 110 3000 Fax: +27 (0)86 531 3005 E-mail: info@qlu.co.za Product information: Specialist Multi-Security Liability – inclusions: • general • pollution

• products • security liability • professional indemnity • custody and control • firearms • fidelity risks. Extensions: • cash in transit •commercial legal insurance and advice. Quantum Liability Underwriting Managers provides security liability insurance cover, designed specifically for the security industry.

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Self-insurance / Specialised domestic insurance

Self-insurance IUM Postal address (head office): Private Bag X10, Gardenview, 2047 Website: www.ium.co.za Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 E-mail: info@ium.co.za

settlement within 24 hours • stable premiums • separate third party cover • tax and VAT benefits • 24/7/365 claims support. Optional benefits: • excess-free options (where applicable) • reinsurance • separate fire cover for vehicles.

Product information: IUM is able to offer a tailor-made product for self-insurance for the larger motor fleets in Southern Africa. IUM specialises in self-insurance solutions for clients mainly covering motor risks, but it can be extended to include goods-in-transit cover and fuel guarantees where required. Includes: • own damage cover • claims

Specialised domestic insurance Aquarius Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 3002, Bromhof, 2154 Website: www.aum.co.za Phone: +27 (0)86 727 7854 Fax: +27 (0)86 688 8361 E-mail: raksm@aum.co.za Product information: U•NIQUE Personal for high net worth – A specifically designed, tailor-made U•NIQUE product for affluent clients. The U•NIQUE product was born out of the recognition that independent brokers seldom have a VIP channel for their high net worth clients and could not guarantee special service from conventional insurers. We have over 200 brokers countrywide who support the product, testimony to the product’s growing appeal and success. The distinguishing feature of this policy is the assets out option. This option replaces the traditional unspecified all risks and allows your client to have open cover for up to R250 000 for jewellery, photographic

S equipment and personal affects. Values can also be increased. We offer an automatic survey of the contents, to ensure your client is not underinsured. U•NIQUE Personal for mid net worth – This product is aimed at the upper middle class, ordinary folk throughout South Africa, who are paying between R1 000 and R3 000 per month for insurance. We also conduct pre-loss assessments on every risk, where a detailed inventory and valuation is completed, listing everything in the home and agreed with the client. The valuation summary will give your client a breakdown on premiums allocated to each category in the home, and a choice can be made as to which items to cover. Values and ownership when established up front result in trouble-free claims. The inventory doubles as a policy schedule, removing the need for separate household and all risks sections and the administrative burden and misinterpretation that can result. UMA Directory 2012

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Specialised domestic insurance Echelon Private Client Solutions Postal address (head office): Private Box 10, Sunclare Building, 21 Dreyer Street, Claremont, 7700 Website: www.echelonpci.co.za Phone: +27 (0)21 657 1100 Fax: +27 (0)21 683 5441 E-mail: darrel@echelonpci.co.za Product information: Echelon Private Client Solutions is a specialist insurance underwriter offering innovative benefits, comprehensive cover and competitive premiums for individual clients and their personal assets. The company is a niche underwriter focused on the LSM 10+ market segment in South Africa, and has specifically tailored benefits and solutions to meet the needs of professionals, business owners and executives in formal employment. We partner with selected intermediaries

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to market our products to policyholders who have a bias for personalised service and independent advice. Echelon is also a proud member of the Santam Group, and is underpinned by Santamâ&#x20AC;&#x2122;s excellent reputation and Fitch AA rating. Echelon underwrites all risks covers for motor, buildings, contents, private aircraft, pleasure craft and specified and unspecified assets, together with flexible personal accident and personal liability solutions. Value-added motor, home and trauma assistance is available on a transparent buy-up basis, offering choice according to unique client needs. We aim to demystify insurance and offer products people need, which are easy to buy and with limited complexity. A plain English policy document caters for the specific

Specialised domestic insurance needs of the private client and ranks as the most comprehensive personal asset insurance product in South Africa, a first in private client insurance in South Africa. Echelon adopts a Lifestyle Underwriting Model aimed at achieving sustainable results over the long

term. Clients are individually rated according to a matrix across a range of lifestyle factors. This approach eliminates cross-subsidisation and creates space to offer a bespoke product with superior benefits, yet remaining competitive in a price-sensitive market.

MUA Insurance Acceptances (Pty) Ltd Postal address (head office): PO Box 84, Century City, 7446 Website: www.mua.co.za Phone: +27 (0)86 168 2467 E-mail: info@mua.co.za Product information: Executive Home – Domestic insurance tailor made for a tailored audience. Every client’s risk profile is unique. That is why we offer to tailor-make each policy for the individual. MUA’s comprehensive home insurance cover offers enhanced features not available to holders of ordinary insurance policies: • Minimum entry level sum insured; buildings, contents and all risks combined R3 million or a contents minimum of R750 000.

• Comprehensive subsidence and landslip cover at no additional premium. • Our all risks cover is now extended, normal household goods – covered anywhere in the world. • Full coverage of accidental damage to both buildings and their contents. • International personal luggage cover from airport to airport is included in the contents cover. • MUA offers a voluntary home appraisal service. • Underlying cover includes personal liability insurance of R25 million and cover extends to identity theft. • A golf hole in one is covered for R10 000 and a bowls full-house for R5 000.

Contact details: We have branches in Cape Town, Johannesburg and Durban. Cape Town – Phone: +27 (0)21 525 6200; Fax: + 27 (0)21 525 6300 Durban – Phone: +27 (0)31 275 8600; Fax: +27 (0)31 265 1719 Johannesburg – Phone: +27 (0)11 560 0600; Fax: +27 (0)11 327 1710 MUA Insurance Acceptances (Pty) Ltd is an authorised Financial Services Provider (FSP number: 37947) underwriting on behalf of Compass Insurance Company Limited, an authorised Financial Services Provider (FSP number: 12148).

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Specialised domestic insurance Turtle I’Cover (Alternative Commercial Acceptances (Pty) Ltd, FSP 39835) selected. Product details and broker packages are available.

Product information: Turtle I’Cover – This policy has been designed to ensure that you are not left with a gap in cover and are short paid when you have a loss under which your existing policy covers only a limited or restricted amount under the various extensions of your current short-term insurance policy. Turtle I’Cover is a new, innovative and exciting product in which we seek to avoid or reduce your risk of having or finding yourself being short paid due to your underlying policy only providing cover for a reduced or restricted value. Turtle I’Cover provides additional value by paying the claim shortfall, subject to certain limits and cover options that you have

Cover for: • Where average has been applied to a claim under householders and house owners. • Where your policy extensions do not cover your full loss, and you are short paid on your claim. • All risk: ‘I forgot’ cover for items where clients have forgotten to add specified items to their policy. • Pothole cover: Tyre damage following pothole collision. • Gap cover: Most forms of gap cover where your existing limits or cover periods are exhausted.

Turtle I’Cover specialises in providing protection from the unforseen policy limitations against which we usually expect policies to cater for.

www.globecreative.co.za

Postal address (head office): PO Box 504, Fauna Park, Polokwane, 0787 Website: www.turtlecover.co.za Phone: +27 (0)87 808 5040 Fax: +27 (0)86 620 0174 E-mail: leon@acaselect.co.za or francois@ acaselect.co.za

Insurance products for the accomplished

www.zenithinsure.co.za

info@zenithinsure.co.za | Tel: +27 21 872 7065 | Fax: +27 21 872 7168 | 191 Main Road Paarl 7646 | PO Box 3505 Paarl 7620 | Registration Nr: 2006/032693/07 Zenith is a licensed Financial Services Provider, underwritten by Hollard, an authorised Financial Services Provider. FSB Number: 36469

Specialised domestic insurance / Specialised high value executive motor vehicles This is a must-have product for brokers seeking to ensure client retention and to avoid conflict when the expected pay out result is not achieved under the underlying

policy. Turtle I’Cover attaches to and follows any underlying policy and can be taken as a stand-alone cover.

Zenith Product Design (Pty) Ltd Postal address (head office): PO Box 3505, Paarl, 7620 Website: www,zenithinsure.co.za Phone: +27 (0)21 872 4872 Fax: +27 (0)21 872 7169 E-mail: info@zenithinsure.co.za Product information: Zenith – The product This product, custom made for an affluent market, offers very high cover limits, asset all risk cover, commercial cover for home offices and home industries, competitive premium, an elective excess structure, a risk inventory and pictorial, full AA membership and much more.

Indigo This lifestyle product can be constructed around the needs of the individual, offers home office cover, unspecified all risk cover up to R50,000, competitive rates, AA membership, weekender cover for motor vehicles and access to other exclusive lifestyle offerings. The business policy Commercial cover for small businesses, professional practices and entrepreneurs is complimented by our exclusive asset-based policy for larger corporates.

Specialised high value executive motor vehicles

Aquarius Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 3002, Bromhof, 2154 Website: www.aum.co.za Phone: +27 (0)86 727 7854 Fax: +27 (0)86 688 8361 E-mail: raksm@aum.co.za Product information: This policy is specifically designed for owners of executive vehicles with values in excess of R350 000. We insure executive, classic and exotic cars on a stand-alone basis or as part of our other U•NIQUE products. Includes: • Vehicle parts and accessories (e.g. sound equipment) that forms part of the vehicle. • Car hire expenses up to 30 days. • Personal items stolen from vehicles. • Replacement of child car seat after an accident. • Future disability of a predetermined amount

• •

which goes towards the cost of suitable vehicle modifications. Pet injury cover for animals injured in an accident. Medical costs following an accident, hijacking or attempted hijacking, including funeral costs and trauma therapy. Road rage following an accident. Excess buyback option.

Benefits: • Total loss and theft claims are settled at retail value. • No excess payable when a claim arises from a theft or hijack (or attempt thereat) and the vehicle is fitted with a U•NIQUE approved tracking device. • No excess is payable if the driver of the vehicle at the time of the accident has an advanced driver certificate. • Cover for off-road use is an option.

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Specialised high value executive motor vehicles Execuline Motor Underwriting Managers Postal address (head office): PO Box 2926, Bedfordview, 2008 Website: www.execuline.co.za Phone: +27 (0)11 663 0500 Fax: +27 (0)11 663 0640 E-mail: debbieg@execuline.co.za

Product information: Executive Motor policy includes: • Replacement value settlement in the first year of registration as a new vehicle (if the first owner), retail thereafter. • No excess where there is a theft or hijacking or attempted theft or hijacking and an Execuline-approved tracking system is installed. • Sound equipment included up to 2.5 per cent of the vehicle value on an all risk basis. • Car hire is optional for up to 45 days (manual or automatic transmission) in the event of accident or theft. • Locks and keys cover. • Windscreen cover.

• Headlamp breakage is covered as an extension. • Top-up cover can be provided. • SASRIA cover included. • Territorial limits include Republic of South Africa, Namibia, Lesotho, Swaziland, Botswana, Mozambique, Malawi, Zimbabwe and Zambia; repatriation cover provided. • MVI (motor vehicle inspection) at no cost. • Roadside assistance automatically included. • Medical expenses cover in the event of accident and hijacking. • Trauma cover includes counselling as a result of hijacking or fatal accident. • General liability cover granted to third parties arising out of event. Limits apply. Classic and Collectibles Motor policy: • Agreed or market value as basis of settlement. • Malicious damage to soft tops covered. • Insured has first option to purchase

SPECIALISTS IN TRUCK, BUS, MOTORCYCLE AND CLASSIC CAR INSURANCE An Authorised Financial Services Provider – FSP42389 t Underwriting Managers for Constantia Insurance Company Limited Telephone: 011 267 4000 t Facsimile: 011 267 4298 t Sharecall: 0860 103 412 t email: wheels@wheelrite.co.za t Web: www.wheelrite.co.za

Wheels generic advert Final.indd 1

2011/06/02 10:58 AM

Motor Insurance FAIS NO 5012

Underwritten By Hollard Insurance

Specialised high value executive motor vehicles cherished remains. • Emergency repairs allowed up to R5 000. • Temporarily detached parts covered up to 25 per cent of the vehicle value. • Importation of parts included up to R5 000. • General liability cover granted to third parties arising out of one event. Limits apply.

Motorcycles: • Total loss or theft claims settled on retail value. • Roadside assistance included. • Non-standard accessories may be specified. • On and off-road bikes.

MUA Insurance Acceptances (Pty) Ltd Postal address (head office): PO Box 84, Century City, 7446 Website: www.mua.co.za Phone: +27 (0)86 168 2467 E-mail: info@mua.co.za Product information: Executive Motor – motor insurance tailor-made for a tailored audience. Every client’s risk profile is unique. That is why we offer to tailor-make each policy for the individual. These are available as combined personal insurance policies, as well as motor insurance on a stand-alone basis. S

MUA’s comprehensive motor insurance cover offers enhanced features not available to holders of ordinary insurance policies: • Motor total loss and theft claims are settled at retail value. Where the vehicle is less than one-year old the formula for settlement is replacement cost, subject to the sum insured. • Excess waiver on non-motor claims in excess of R100 000. • Excess waiver for over-55s.

• Excess waived on motor where the car is less than one-year old and a tracking device is installed. • Windscreen cover is up to the vehicle sum insured. • Specialist classic car and motorcycle insurance. • Emergency roadside assistance. Contact details: We have branches in Cape Town, Johannesburg and Durban. Cape Town – Phone: +27 (0)21 525 6200; Fax: + 27 (0)21 525 6300 Durban – Phone: +27 (0)31 275 8600; Fax: +27 (0)31 265 1719 Johannesburg – Phone: +27 (0)11 560 0600; Fax: +27 (0)11 327 1710 MUA Insurance Acceptances (Pty) Ltd is an authorised Financial Services Provider (FSP number: 37947) underwriting on behalf of Compass Insurance Company Limited, an authorised Financial Services Provider (FSP number: 12148).

Risk Guard Alliance (Pty) Ltd Postal address (head office): PO Box 73450, Lynnwood Ridge, Pretoria, 0040 Website: www.riskga.co.za Phone: +27 (0)86 110 2025 Fax: +27 (0)86 110 2000 E-mail: underwriting@riskga.co.za Product information: Risk Guard Alliance (Pty) Ltd, a dynamic underwriting management agency that is underwritten by RMB Structured 242

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Insurance Limited, offers the professional or business owner stand-alone cover for high valued vehicles. The Autoguard policy is designed to cater specifically for high value vehicles over R250 000 with wider cover and low, simple excess structures, perfect for the busy professional who wants professional but uncomplicated insurance.

Specialised high value executive motor vehicles

Vantage Insurance Phone: +27 (0)21 701 7569 Fax: +27 (0)21 701 1629 E-mail: info@vantageinsurance.co.za Website: www.vantageinsurance.co.za

• Top-up cover available. • Nil excess if approved tracking device fitted. • Discounts for limited mileage provided. Exclusions:

Product information: Inclusions: • Full retail value as the basis of indemnity up to R5 million. • Retail value linked to the auto dealers guide. • New replacement vehicle as basis of total loss in the first year. • Car hire up to 30 days automatically included. • Flexible terms that can accommodate different excesses and cover options. • Third party liability cover up to R10million automatically included. • Personal accident cover up to R100 000 per incident automatically included. • Trauma cover included. • Sasria cover automatically added to the motor policy. • Emergency repairs up to R5 000 allowed. • Road side assistance cover available. • Territorial limits cover most of Southern Africa and Eastern Africa. • Special terms for retired people such as a nil excess. • Free vehicle inspection. • Agreed value for classic cars. • Treasured remains cover available.

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General exclusions: • The first amount payable as stated in the policy schedule. • Riots and strikes as well as civil commotions and the like usually covered under Sasria. • Any act of terrorism also usually covered under Sasria. • No consequential loss cover allowed. • Any nuclear or radiation cover. • No computer losses. Motor specific exclusions: • Depreciation in value including wear and tear, mechanical and electrical breakdowns. • Loss if vehicle abandoned unless under an emergency. • Any compensation provided by motor vehicle legislation. • Contractual liability. • Driver that is unlicensed or above the statutory limit of alcohol or drugs. • Vehicles that are unlicensed, unroadworthy, not used in accordance with factory specifications. • Not complying with any road traffic ordinance.

Specialised insurance for buildings

Specialised insurance for buildings Accommod8 Postal address (head office): PO Box 786015, Sandton, 2146 Website: www.guardrisk.co.za Phone: +27 (0)11 669 3387 Fax: +27 (0)11 669 2235 E-mail: barendse@guardrisk.co.za Product information: Accommod8 – The comprehensive property owner and landlord insurance solution. Product benefits: • The comprehensive property owner and landlord insurance solution.

• Leading landlord protection product. • Unique covers and wordings. • Specialised products covering commercial buildings, home owners, sectional title, home owners’ associations. • Subsidence and landslip (limited cover) – full cover available at an additional premium. • Loss of rent until tenanted. • Landlord’s office contents (commercial buildings combined). • Sectional title geyser excess buy-back option available at an additional premium. • NAT-Assist – emergency assistance

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Specialised insurance for buildings programme (plumbers, electricians, etc. Call out fee plus first hour’s labour). • Competitive edge. • Leading market wording covering all aspects of property ownership, which includes a selection of exclusive covers/ extensions. • 24-hour claims call centre. Exclusive extensions included free of charge: • Cost of re-letting – covers costs to re-let the insured property on the happening of an insured peril. • Tenant relocation expense costs incurred on the happening of an insured. • Buildings awaiting sale (domestic risks only) – if sale of the building is delayed through damage, the policy will pay for loss of rent and any lost investment income. • Litigation costs – legal costs incurred to recover amounts due by defaulting tenants and associated with evictions. • Early termination of lease agreement – lost income due to early termination of lease agreement due to the happening of an insured peril. • Theft by tenants – theft of the insured’s fixtures and fittings by the tenant. • Special circumstance loss of rental income (domestic risks only) – loss of rental income where the insured may not evict the tenants. • Protection and preservation of property costs of precautions taken to prevent or minimise the effects or extent of imminent damage by an insured peril. • Emergency evacuation – evacuation costs where it is required by the authorities. • Decontamination, pest and vermin – pays for decontamination or fumigation of the property in the event of sudden infestation by pests or vermin. • Loss of interest receivable or payable (domestic risks only) – lost interest on rental income between normal receipt of rent and payment of the claim or additional interest payable on bond repayments following a rental claim.

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• Land and water clean-up costs – covers costs to clean up land and water at the premises on the happening of a defined peril. • Alterations and additions – covers loss or damage to materials and equipment used for construction and installation projects instituted by the insured. • Damage to garden extension – in excess of the policy limit following an insured peril. Target market: • Private property owners (including those who let their property, e.g. holiday homes, flats, second homes, etc.). • Any property owner who rents or leases their property. • Small commercial property owners, e.g. office blocks and flats. • Sectional title developments.

Specialised insurance for buildings

Commercial & Industrial Acceptances (Pty) Ltd Postal address (head office): PO Box 615, Bedfordview, 2008 Website: www.cia.co.za Phone: +27 (0)86 124 2777 Fax: +27 (0)86 613 6684 E-mail: sharne@cia.co.za Product information: Building Insurance: CIA – Commercial & Industrial Acceptances (Pty) Ltd, registration number: 2000/019340/07, FSP number: 13890 – underwrites on behalf of Compass Insurance Company Limited (FSP number: 12148, registration number: 1994/003010/06). Property Owners Combined: CIA’s Property Owners Combined policy offers the widest cover available for residential, commercial and industrial properties at highly competitive rates. All buildings, irrespective of occupation, are issued on a combined basis, including numerous complementary extensions. Products include: • inflation and escalation • public supply connections • loss of rent or alternative accommodation • accidental damage • liability • glass • all risks (optional) • machinery breakdown (optional) • limited subsidence and landslip cover • power surge • claims preparation costs.

Residential and Commercial Sectional Title policies: CIA’s sectional title products comply with the requirements of the Sectional Titles Act providing trustees complete peace of mind. These products include many additional and unique complementary benefits for residential as well as industrial or commercial bodies corporate.

Products include: • inflation and escalation • public supply connections • loss of rent or alternative accommodation • accidental damage • office contents (residential product) • liability • trustees indemnity • employers’ liability • all risks (residential product) • money • fidelity • machinery breakdown (residential product) • geyser maintenance • commercial glass • limited subsidence and landslip cover • power surge • claims preparation costs. House owners: CIA’s House Owners’ policy is unique in that it provides all risk cover and automatically includes subsidence at no additional cost and without the need for expensive geotechnical engineers’ reports. Products include: • inflation and escalation • public supply connections • subsidence and landslip • loss of rent or alternative accommodation • liability • power surge • claims preparation costs. UMA Directory 2012

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Specialised insurance for 4x4 owners

Specialised insurance for 4x4 owners Cross Country Insurance Consultants (Pty) Ltd Postal address (head office): PO Box 731065, Fairlands, 2030 Website: www.ccic.co.za Phone: +27 (0)11 215 8800 Fax: +27 (0)11 476 8205 E-mail: mail@ccic.co.za Product information: Ultimate Explorer – 4x4 and 4x2 vehicle insurance: Comprehensive cover for private, business and tour operators’ use including full off-road application. Territorial limits: Angola, Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Republic of South Africa, Swaziland, Tanzania, Uganda, Zambia and Zimbabwe. Replacement of insured vehicle within the first year of registration, following a total loss, including a 15 per cent inflation contingency; earned loyalty two years’ claim-free on insured vehicle – basic excess for principal driver and spouse is waived; X’S Sure – applicable to basic; theft/ hijacking; roll over and water damage with R1 000 excess; theft/hijacking excess is waived if vehicle is fitted with a fully operational tracking device; Inception Value product – cover for the retail value of the vehicle at

inception date of the policy for the duration of the policy. Vehicle repatriation following accident or breakdown beyond the Republic of South Africa borders; car hire in the country where the accident or breakdown occurred; driver and occupants’ repatriation from the country where the accident or breakdown occurred; medical emergency evacuation for driver and occupants; emergency roadside assistance. Once the vehicle is insured, the client has the option to insure his other outdoor equipment on a far wider basis than his conventional policy. Items such as caravans and trailers (including off-road types); camping equipment, photographic equipment; scuba and fishing gear; parachutes, parasails and man kites; hiking, climbing and viewing equipment; communication equipment including satellite phones and other two-way communication apparatus; bicycles and other sporting equipment. Cross Country is an underwriting manager of Renasa Insurance Company Limited, registration number: 2008/013847/07, FSP number: 39547.

Intermediary Underwriting Solutions (Pty) Ltd (TUFFSTUFF) Postal address (head office): PO Box 11975, Aston Manor, 1630 Website: www.tuffstuff.co.za Phone: +27 (0)11 394 8235 Fax: +27 (0)11 394 8917 E-mail: info@tuffstuff.co.za Product information: TUFFSTUFF 4x4 insurance – Specialised 4x4 insurance providing the widest comprehensive 4x4 lifestyle insurance in the market. Cover extends to include fully comprehensive cover on an agreed value basis fixed for three years and is calculated at full retail value 248

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of the vehicle from inception or renewal. Territorial limit is defined as Africa south of the equator with full repatriation and medical extraction covered in these areas. Many more extensive and important extensions are automatically included in the cover such as car hire for 75 days.

Specialist in insurance of adventure lifestyle.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED

Cross (X) Country Insurance Consultants Contact Details: Proprietor: Ash Brook Investments 133 (Pty) Limited 253 Smit Street, Fairlands 2170 3FHJTUSBUJPO OVNCFS r '41 -JDFOTF /VNCFS

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Specialised outdoor insurance / Specialised small commercial business

Specialised outdoor insurance HIC Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2253, Bedfordview, 2008 Website: www.hicsa.co.za Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 E-mail: info@hicsa.co.za Product information: Sporting & Greens – HIC offers comprehensive cover for damage to golf courses, bowling greens and the resulting loss of green fees. We automatically include at no extra cost greens; damage by any vehicle or animal or by falling trees; chemical and fertiliser damager; contaminated water; damage by mechanical equipment; malicious damage and failure of water supply (excluding as a result of drought). S

Specialised small commercial business Frontline Underwriters (Pty) Ltd Postal address (head office): PO Box 63918, Greenacres, 6057 Website: www.frontlineinsurance.co.za Phone: +27 (0)41 373 0445 Fax: +27 (0)41 374 1833 E-mail: customercare@frontlineum.co.za Product information: We offer the following innovative products to cater for your insurance needs, plus a variety of value-adding products: • Commercial Composite – A multi-peril policy providing all commercial classes of insurance, such as fire, business interruption, theft, money, motor, etc. • Engineering – This policy provides specific covers for engineering risks, such as machinery breakdown. 250

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• Construct-Sure – A specific policy catering for material damage covers on buildings at competitive terms. • Personal Protector – A comprehensive domestic insurance policy. • WaterFRONT – A policy designed exclusively to insure pleasure craft. Value-adding products: • Personal/Commercial Roadside Assist • Auto Concierge (auto care) • Home Assist • Security Concierge (security care). The market sees us as innovative, effective and efficient. Good old-fashioned service is what we ultimately offer and this has undoubtedly been the reason for our ongoing success.

Specialised small commercial business HIC Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2253, Bedfordview, 2008 Website: www.hicsa.co.za Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 E-mail: info@hicsa.co.za Product information: We offer insurance solutions across the C&I arena: Manufacturing – Strong focus on risk management to help intermediaries identify risks, minimise potential impact, maximise the opportunity to improve the risk and offer an optimal insurance solution. Retail – Comprehensive product to protect companies’ most valuable assets with fast claims turnaround times to ensure minimum post-loss disruptions.

liability and trustees’ liability are just some of the automatic extensions crucial for the commercial property owner. Motor fleets – Design the perfect programme for your client with options of aggregates, stop losses and deposit premiums. Directors’ and Officers’ – Designed for the private company with a turnover of under R50 000 000 covering the directors’ and officers’ management liability exposures. Conventional insurance product – Brokers are now able to offer entrepreneurial businesses and institutions tailor-made packages that will create individual value and offer professional personalised service. Affinity – For professionals, doctors, dentists, vets and optometrists and is rated on turnover. S

Commercial buildings – Accidental damage,

Making a difference by being different DURBAN

PORT ELIZABETH

CAPE TOWN

JOHANNESBURG

EAST LONDON

Tel : 031 562 0155

Tel : 041 373 0445

Tel : 021 919 9080

Tel: 011 326 3993

Tel : 043 735 1681

Fax: 031 562 0520

Fax: 041 373 0419

Fax: 021 919 4396

Fax: 011 326 0575

Fax: 043 735 2080

Authorised Financial Service Provider – FSP No 40752

Specialised small commercial business

Ibiliti Underwriting Managers (Pty) Ltd Postal address (head office): PostNet Suite 246, Private Bag X87, Bryanston, 2021 Website: www.ibiliti.co.za Phone: +27 (0)10 590 5511 Fax: +27 (0)86 617 5612 E-mail: info@ibiliti.co.za Product information: SME Insurance – We believe in thinking differently about insurance solutions in order to creatively transform and simplify traditional processes. We strive to be South Africa’s most competent and valued SME UMA, setting the benchmark for service delivery.

Product offering available online: •123 SME – This policy covers a business against the risk they face as a small to medium business and incorporates their personal needs

into one policy; specifically aimed at retailers, professionals, administrators, restaurants, accommodation and mobile businesses. •123 Excess Free – Businesses and private individuals can buy down their excesses on a stand-alone basis for the various sections of the commercial policy, motor, plant equipment, goods in transit and professional indemnity. Downtime and shortfall cover can also be provided. We are committed to our carefully selected brokers who support us diligently. We assist all parties to focus on their main functions and thereby ensure efficiency. Find out how we can add value to your business by bridging the gap between expensive underwriting and administration costs.

Vulindlela Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 29252, Maytime, 3624 Website: www.vum.co.za Phone: +27 (0)31 818 0391 Fax: +27 (0)86 693 0192 E-mail: info@vum.co.za Product information: VUM AssetSure – Relevant insurance cover for small emerging businesses cover. Sections offered: Motor; buildings, contents 252

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and stock; electronic equipment and machinery; money; business all risks; goods in transit; business interruption; public liability; employee dishonesty and personal accident. Features: • Cash back benefit pays out 10 per cent of premiums at a section level, after a noclaim period of 36 months • plain language policy wording • innovative cover extensions. VUM products are underwritten by Santam, which provides for financial stability and capacity.

Specie insurance

Specie insurance IUM Postal address (head office): Private Bag X10, Gardenview, 2047 Website: www.ium.co.za Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 E-mail: info@ium.co.za Product information: IUM is able to offer a tailor-made product for self-insurance for the larger motor fleets in Southern Africa. IUM specialises in self-insurance solutions for clients that mainly cover motor risks but can be

extended to include goods-in-transit cover and fuel guarantees where required. Includes: • own damage cover • claims settlement within 24 hours • stable premiums • separate third party cover • tax and VAT benefits • 24/7/365 claims support. Optional benefits: • excess-free options (where applicable) • reinsurance • separate fire cover for vehicles.

Polygon Underwriting Agency (Pty) Ltd Postal address (head office): PO Box 13365, Clubview, 0014 Website: www.polygongroup.co.za Phone: +27 (0)86 110 3000 Fax: +27 (0)86 531 3005 E-mail: info@polygongroup.com Product information: Specie insurance – inclusions: • Assets in transit (cash, bullion, precious metals, precious stones, negotiable instruments). • Static vault cover. • Fine art and collectables. • ATMs – static and transit exposures. • Deposit taking devices – static and transit exposures.

Extensions: • Fidelity risk cover • Cover for safes • Device cover S

As leading specie insurance professionals, our tailor-made specialist policies are designed to protect diverse commercial assets. We support these policies with intelligent and pragmatic risk management advice, enhanced by our expertise in the complementary disciplines of high valued commodities and cash in transit and coverage for static risks.

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Surety

Surety Performance and Customs Bond Services (Pty) Ltd Postal address (head office): PostNet Suite 353, Private Bag X30500, Houghton, 2041 Website: www.pcbs.co.za Phone: +27 (0)11 482-2101/5981/8012 E-mail: info@pcbs.co.za Products: • Bid bonds (letter of intent) • Performance guarantees • Maintenance guarantees • Retention guarantees

Santam Bonds and Guarantees Website: www.santam.co.za Phone: +27 (0)11 912 8000 Fax: +27 (0)11 347 9026 E-mail: courtbonds@santam.co.za Product information: Santam Bonds and Guarantees understands the risks and large sums of money involved in many construction contracts and projects and have tailor-made these solutions:

• Contract bonds These bonds are required for mostly private and public construction projects, and protects the project owner from financial loss, should the contractor fail to perform his duties in terms of the contract between the parties. This product offering includes bid bonds, performance bonds, advanced payment bonds, maintenance bonds, retention bonds and payment bonds. • Trade bonds These bonds provide the relevant security to protect a government department or supplier against an enterprise’s failure to pay its debts. This product offering includes customs and excise bonds, which provides the relevant security pertaining to payment of tax and customs duties incurred by an importer and/ 254

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or exporter, as well as electricity supply bonds, required by municipalities and electricity suppliers in respect of payment of monthly accounts. • Court bonds Court bonds are required by the Master’s office for the administration of deceased and insolvent estates.

you think it, we underwrite it

Your UMA partner of choice.

tel: +27 (0) 12 430 9700 fax: +27 (0) 12 342 0133 helpline: 0860 266 822

www.natsure.co.za info@natsure.co.za

FSP Number 4578

The letters “T-Z”

t-z

5. The use of fire retardant treatments can reduce premiums paid on thatch risk. 6. The availability of thatching straw declined as a result of the invention of the combine harvester in the 1940s.

T-Z – 10 facts about thatch and thatch risk

1. Thatching can be traced back to at least the Bronze Age in Britain, circa 2000BC. Most houses in ancient Europe, Asia and Africa had thatched roofs. 2. Primitive techniques used dried grass or straw tied into bunches laid on top of each other to make a roof. 3. The South African thatch reed (or Cape reed) has been used for thatching for centuries and is extremely durable and resistant to harsh weather conditions. 4. Modern thatching techniques often include treatment against fire and biological degradation.

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7. While thatch is no longer a popular roof covering, it is still quite commonly used for lapas in South Africa – a semi-open entertainment area with a thatch roof supported on wooden poles.

8. A properly compacted thatched roof, constructed at a slope of 45 degrees, has a life expectancy of 60 to 80 years.

9. Thatched roofs in the Gauteng province are at high risk of catching fire from lightning strikes and it is not uncommon to see multiple lightning rods in and around developments where thatched roofs are found.

10. Minimum specifications on thatch roof construction (SABS) are laid down by the South African Thatchers’ Association (TASA) and The Guide to Good Thatching Practice is published by the Council for Scientific and Industrial Research (CSIR).

T-Z

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Tax insurance

Tax insurance Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Website: www.camargueum.co.za Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 E-mail: camargue@camargueum.co.za Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions to a broad spectrum of industries in South Africa. Camargue’s unique product offering uses the M3 principle. This is to manage, mitigate and migrate critical business risks.

T-Z

The company was founded in 2001 to meet the rapidly changing risk transfer needs of businesses operating in Southern African. Some of our products include: • directors’ and officers’ liability • employment practice liability • pension fund trustee liability • Camargue general liability • Camargue commercial crime • broker professional indemnity • body corporate trustees • clinical trials • directors’ and officers’ and fidelity guarantee for financial institutions • medical malpractice for medical establishments and practitioners • professional indemnity for corporates • cyber liability. Each Camargue policy includes value-added services with a number of risk managers. With

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Tax insurance Qdos Underwriting Managers (Pty) Ltd (Hollard) Postal address (head office): PO Box 788, Cape Town, 8000 Website: www.qdosconsulting.co.za Phone: +27 (0)86 073 6772 Fax: +27 (0)86 677 5622 E-mail: enquiries@qdosconsulting.co.za

no prime records are kept • matters where fraudulent evasion of tax is involved.

Product information: Qdos Tax Enquiry Insurance covers the professional fees of accountants and tax specialists in defending an enquiry from SARS. Such enquiries include disputes and enquiries into income tax, VAT, PAYE and capital gains tax. Cover also includes dispute resolution hearings, appeals to the tax board and/or tax court. You now have the financial and intellectual resources to defend unfair tax demands by SARS. Excludes: • disputes or enquiries which commenced prior to policy cover • enquiries resulting from late submissions • where T-Z

Tax Radar Underwriters Postal address (head office): Suite 356, PostNet X033, Rivonia, 2128 Website: www.tax-radar.com Phone: +27 (0)11 718 1238 Fax: +27(0)11 726 1874 E-mail: info@tax-radar.com Product information: Tax Radar is a tax insurance policy aimed at businesses (irrespective of size), high net worth individuals and professionals. The client purchases legal defence and accounting cover for a relatively inexpensive premium which enables them to engage top tax professionals to act on their behalf should the need arise. In addition, Tax Radar has entered into various strategic partnerships, which provide specialist tax consulting (TRM/tax risk management services), tax publication (TAXtalk) and a post-graduate tax education university (IITF/International Institute for Tax and Finance).

A tax audit is an experience that most businesses and individuals would like to avoid at all costs. There is no way to ensure that an individual or a business will not experience this. In fact, it would appear that SARS is increasing its number of audits. In the event that a taxpayer is audited, they may face additional assessments or penalties and may find themselves in a position that they have to hire tax experts and professional assistance to liaise with SARS or to defend themselves against SARS. These costs, of course, are incurred whether the taxpayer or their business is proven guilty or not. In addition, new legislation such as the Consumer Protection Act, Tax Administration Bill and the Companies Act furnish the authorities with draconian powers and, at the same time, this places additional responsibility on both the individual as well as the business owner.

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Taxi insurance

Taxi insurance Clarendon Transport Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 84216, Greenside, 2034 Website: www.ctu.co.za Phone: +27 (0)11 274 1300 Fax: +27 (0)11 486 2200 E-mail: louisf@ctu.co.za Product information: Full comprehensive cover: Six options/schemes available. Extensions available – personal accident: covers both driver and passengers; passenger liability; loss of use cover; credit shortfall; abscondence violation of terms; deposit protector; cash back facility; excess reducer back to invoice. CTU celebrates more than 20 years of insurance excellence and has paid out more than R1 billion in benefits. CTU is focused on T-Z

Rest assured; you’re covered in our hands.

Vulindlela Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 29252, Maytime, 3624 Website: www.vum.co.za Phone: +27 (0)31 818 0391 Fax: +27 (0)86 693 0192 E-mail: info@vum.co.za Product information: VUM Taxi Insurance www.vum.co.za Comprehensive cover for all types of taxis; minibus, midibus, metered, sedan and shuttle services. Optional cover extensions include: passenger liability, personal accident, fixed expenses, audiovisual equipment. The Zuzimali Cash Back Benefit is automatically included and pays out 10 per cent of premiums paid

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meeting the needs of the taxi industry, as well as being flexible enough to adapt its services and products, in response to the changing demand, by constantly providing good service backed by stability expertise and excellent understanding of the taxi industry. CTU currently insures 80 000 taxis nationally. This has been achieved via our extensive network of short-term insurance brokers, together with our dedicated staff who is experienced in matters relating to the operations of the taxi industry. CTU understands the absolute imperative of expedient claims settlement and, as part of our enhanced service delivery, we conduct continuous training to maximise operation efficiency. CTU provides peace of mind that you are covered by a company that has 20 years’ experience, expertise, excellence and is the leading provider of taxi insurance.

UMA Directory 2012

by the client after a no-claim period of 24 months. VUM products are underwritten by Santam, which provides for financial stability and capacity.

Specialist in taxi insurance.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED 3FOBTB 5BYJ 6OEFSXSJUFST 1UZ -JNJUFE $POUBDU %FUBJMT Tel (011) r 'BY (011) 886 7303 KPOBUIBO!TFMLJSL DP [B r S UV!UBYJJOTVSF DP [B XXX UBYJJOTVSF DP [B 3FHJTUSBUJPO /P r '41 -JDFOTF /VNCFS

Thatch risk

Thatch risk Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2744 E-mail: johanc@etana.co.za

section • theft cover on a first-loss basis • broad-form public liability cover • Crisis Voucher 24 – medical evacuation and intervention services • each risk surveyed • thatch capacity • full glass cover • wildlife – fire and lightning.

Product information: Etana Tourism is passionate about providing tourism businesses with efficient and effective risk cover. The product is not generic, but specifically designed to meet the ever-changing landscape of the Southern African tourism industry and all the sub-sectors that make up the industry. Unique features: • combined property section – fire, buildings combined and glass Factory & Industrial Postal address (head office): PO Box 615, Bedfordview, 2008 Website: www.facind.co.za Phone: +27 (0)11 615 1640 Fax: +27 (0)11 616 3027 or +27 (0)86 665 7777 E-mail: brian@facind.co.za (Brian Muller – director) Product information: Thatch – Factory & Industrial extends its risk management expertise to the underwriting risks of thatch construction. Services include: Free assessments of and solutions to fire and lightning exposures as well

as a proactive approach to risk reduction and an ultimate cost savings for the client.

T-Z

F&I will include Occupational Health and Safety audits in the course of their reports that are made available to the clients. Products include: Fire and business interruption insurance and the full range of covers for the client’s business operations. (See also F & I’s entry under the Hospitality and leisure index). Branches: Durban +27 (0)31 584 7720; Cape Town +27 (0)21 671 1370; Pretoria +27 (0)82 574 9463; Eastern Cape +27 (0)82 780 4556.

HIC Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2253, Bedfordview, 2008 Website: www.hicsa.co.za Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 E-mail: info@hicsa.co.za

Product information: We specialise in commercial thatch. HIC surveys every risk prior to inception and makes risk management a top priority. We specialise in commercial thatch. HIC surveys every risk prior to inception and makes risk management a top priority. UMA Directory 2012

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Thatch risk Thatch Risk Acceptances Postal address (head office): PO Box 2288, Durbanville, 7551 Website: www.tra.co.za Phone: +27 (0)86 110 5799 Fax: +27 (0)86 500 2071 E-mail: blokn@tra.co.za

T-Z

Product information: Thatch Risk Acceptances was established on 1 July 1998 to fill a gap in an unexploited niche market with the specific aim to service the diverse and demanding needs of the thatch risk market. Today we are the only company to specialise exclusively in residential thatch insurance and, over the years, we have built a strong understanding of the requirements linked to this market. We offer a complete service to our broker base, with a full mandate from Compass Insurance Company to provide quotations, issue policies and manage the entire claim settlement process. We believe in managing a risk and not merely insuring it. We work with the broker to minimise the risk. Major exposures, improvements and requirements are identified through a comprehensive underwriting procedure, adding value for the client. Cover

is offered for the structure, house contents, all risks, motor vehicles and pleasure craft providing complete peace of mind to the client for his personal insurance. While we are the thatch experts, TRA also insures log cabins and timber frame homes. TRA is an established firm with a proven track record of over 13 years. We give personalised service with knowledgeable and friendly staff www.vum.co.za no call centres and quick turnaround times on quotes, endorsements and claims. Our products include the following: Private homes: House owners’ and householders’ cover is on an all risks basis, and accidental damage is included for the full sum insured. We offer the client one policy for his entire portfolio including all risks, personal liabilities, motor, PLIP and small craft. Residential associations: Bodies corporate, sectional title and share block associations, whole and home owners’ associations.

Tourism Risk Underwriting Managers Postal address (head office): PO Box 250, Umhlanga Rocks, 4320 Website: www.trum.co.za Phone: +27 (0)31 562 0426 Fax: +27 (0)31 562 0025 E-mail: info@trum.co.za Product information: We are specialists in tourism, hospitality and wildlife insurance. As Lloyd’s cover holders, we are easily able to tailor-make solutions for our niche market. Asset Protection (property damage and asset all risks solutions available); all construction types including thatch, throughout subSaharan Africa; motor sub-Saharan 264

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territorial limits; passenger liability, subSaharan territorial limits. Indemnity limits up to R100 million. General public liability (basic and broad-form solutions available), indemnity limits up to R100 million. Cover available to clients/risks throughout subSaharan Africa and worldwide jurisdiction can be obtained. Wildlife transit and all risk of mortality covers available. Evacuation Comprehensive – medical evacuation cover for guests in the event of a life threatening medical emergency following body injury or illness throughout sub-Saharan Africa.

Tourism insurance

Tourism insurance Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2744 E-mail: johanc@etana.co.za Product information: Etana Tourism is passionate about providing tourism businesses with efficient and effective risk cover. The product is not generic, but specifically

designed to meet the ever-changing landscape of the Southern African tourism industry and all the sub-sectors that make up the industry. Unique features: • combined property section – fire, buildings combined and glass section • theft cover on a first-loss basis • broad-form public liability cover • Crisis Voucher 24 – medical evacuation and intervention services • each risk surveyed • thatch capacity • full glass cover • wildlife – fire and lightning.

HIC Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2253, Bedfordview, 2008 Website: www.hicsa.co.za Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 E-mail: info@hicsa.co.za T-Z

Product information: HIC is well known in the tourism industry and we enhance our products regularly to keep up with our clients’ needs.

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Tourism insurance / Trade credit Tourism Risk Underwriting Managers Postal address (head office): PO Box 250, Umhlanga Rocks, 4320 Website: www.trum.co.za Phone: +27 (0)31 562 0426 Fax: +27 (0)31 562 0025 E-mail: info@trum.co.za Product information: We are specialists in tourism, hospitality and wildlife insurance. As Lloyd’s cover holders we are easily able to tailor-make solutions for our niche market. Asset Protection (property damage and asset all risks solutions available); all construction

types including thatch, throughout sub-Saharan Africa; motor sub-Saharan territorial limits; passenger liability, sub-Saharan territorial limits. Indemnity limits up to R100 million. General public liability (basic and broad-form solutions available), indemnity limits up to R100 million. Cover available to clients/risks throughout sub-Saharan Africa and worldwide jurisdiction can be obtained. Wildlife transit and all risk of mortality covers available. Evacuation Comprehensive – medical evacuation cover for guests in the event of a life threatening medical emergency following body injury or illness throughout sub-Saharan Africa.

Trade credit Coface

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Website: www.cofaceza.com Phone: +27 (0)11 208 2517 Fax: +27 (0)11 208 2617 E-mail: natasha_hardy@cofaceza.com Product information: Coface’s mission is

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to facilitate global business-to-business trade through credit insurance.

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Travel insurance

Travel insurance Oojah Travel Protection (Pty) Ltd (Hollard) Postal address (head office): PO Box 41641, Moreletapark, 0044 Website: www.oojahtravel.co.za Phone: +27 (0)12 482 6706 Fax: +27 (0)86 643 4436 E-mail: travelinsurance@oojahtravel.co.za Product information: Oojah is your traveller’s passport to hassle-free protection. We offer the following products:

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• Leisure travel insurance for individuals and families. • Business travel insurance for small and medium companies. • Corporate travel insurance where more than four staff members travel on a regular basis. • Expatriate cover for companies that send staff to other countries to work for extended periods of time. • International medical extension (cover provided for medical schemes). • Bank card cover (free cover is provided when a traveller uses their bank card to purchase airline tickets with the option to purchase additional cover). • Affinity cover (provided as a value-added benefit to create loyalty).

• Luggage insurance. Oojah Travel Protection’s focus is solely on travel insurance. What distinguishes Oojah from our competitors is our experience – over 50 years of combined travel and travel insurance experience. We work hard to protect the traveller, while remaining at the forefront of innovation and product development. Oojah’s innovative team is results driven and charged with passion and energy and we provide cover 24 hours a day, seven days a week, to travellers all over the world. Oojah has access to a global network of local experts who advise us of the particular risks facing travellers in different countries so that the benefits and payouts of any policy are adequately tailored to local conditions. Health risks and evacuation needs vary; business travellers and back packers are under different pressures, families and singles are in a different adventure zone. Specialist travel insurance advice has become essential in today’s world.

Travel Insurance Consultants (TIC) Website: www.tic.co.za Phone: +27 (0)11 521 4000 Fax: +27 (0)11 521 4002 E-mail: helpdesk@tic.co.za Product information: TIC was established in 1988 and is South Africa’s largest specialist travel insurance provider with a wide range of travel insurance products. These products have the broadest range of benefits, and are available for individuals, leisure and business travellers, including large corporate companies. 268

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TIC’s products include the following risk classes: • Emergency medical expenses • Worldwide 24-hour emergency assistance • Cancellation and curtailment of transportation • Repatriation and evacuation • Personal accident • Loss of luggage, documents and cash while travelling • Hijack, hostage and wrongful arrest • Travel supplier insolvency

Truck (heavy commercial vehicle) / UMA investment company

Truck (heavy commercial vehicle) IUM Postal address (head office): Private Bag X10, Gardenview, 2047, Johannesburg Website: www.ium.co.za Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 E-mail: info@ium.co.za Product information: IUM’s heavy commercial vehicle products incorporate a dedicated commercial trucking division which specialises in commercial trucking and transportation insurance. Cover is available for owner-drivers, small fleets and certain large fleets that operate locally and in an intermediate and long-haul radius. Policy benefits and services: • Competitive rates • 24/7/365 claims support • In-house claims settlement

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UMA investment company Lireas Holdings Postal address (head office): PO Box 85321, Emmarentia, 2029 Website: www.lireas.co.za Phone: +27 (0)11 481 6500 Fax: +27 (0)11 643 4245 E-mail: info@lireas.co.za Product information: Lireas Holdings is the well-established South African strategic investment company of Hannover Re Group Africa and Mahogany Private Equity. We focus on investing in partnerships with existing or potential entrepreneurial, niche insurance underwriting agencies that will generate profitable underwriting results. Working together for success means that Lireas takes an active interest in all its investments. 270

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With twenty years’ experience in partnerships with the insurance industry, Lireas Holdings offers South African insurance underwriting agencies the following business advantages: • Access to working capital. • Specialist underwriting expertise – in-house and via Hannover Re. • Reinsurance capacity via Hannover Re. • Introduction to the best insurance carrier suited for their unique business needs. • Ongoing guidance, coaching and management feedback through active shareholding participation. • Access to panel of experts on HR, IR, legal and compliance, strategy and marketing matters. • Full backing of only one specialist in each market.

Watercraft and leisure

Watercraft and leisure Cargotransit Insurance Underwriting Managers (Pty) Limited Postal address (head office): PO Box 22195 Helderkruin,1725 Website: www.cargotransit.co.za Phone: +27 (0)11 768 3287 or +27 (0) 11 768 3086 Fax: +27 (0)86 649 5374 E-mail: info@cargotransit.co.za Product information: • imports and exports • goods in transit • stock throughput • pleasure craft insurance (within the Republic of South Africa) • household goods and personal effects • advance loss of profits/ increase cost of working • container liability • carriers’ legal liability.

Contact persons: Peter Moodley – Phone: +27 (0)11 768 4622 (direct), Fax: +27 (0)86 683 1536, E-mail: peter.moodley@cargotransit.co.za Feroza Evans – Phone: +27 (0)11 768 6244 (direct), Fax: +27 (0)86 681 6618, E-mail: feroza.evans@cargotransit.co.za Vanessa Govender – Phone: +27 (0)11 7681369 (direct), Fax: +27 (0)86 686 2318, E-mail: vanessa.govender@cargotransit.co.za Zainub Shaikh – Phone: +27 (0)11 768 7859 (direct), Fax: +27 (0)86 681 1085, E-mail: zainub.shaikh@cargotransit.co.za

IUM Cargotransit Insurance Underwriting Managers (Pty) Limited

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Postal address (head office): Private Bag X10, Gardenview, 2047 Website: www.ium.co.za Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 E-mail: info@ium.co.za Product information: IUM is a specialist motorcycle underwriter. Our core focus of business includes superbikes, quad and off-road motorcycles, including cruisers and dual-purpose motorcycles. Cover is also provided for clothing and riding apparel, where required.

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Benefits include: • comprehensive cover • track cover • protection and repair • delivery after repair • transit cover • specialised rates for BMWs, Harley Davidsons, Triumphs and Tourers. Optional cover: • all risks cover for riding apparel • pillion passenger cover • personal accident cover • credit shortfall.

Watercraft and leisure

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Vanguard Marine & Leisure Postal address (head office): PostNet Suite 388, Private Bag X1, Northcliff, 2115 Website: www.vanguardinsurance.co.za Phone: +27 (0)86 100 1135 Fax: +27 (0)11 431 0394 E-mail: bradley@vanguardinsurance.co.za FSP number: 39216 Product Information: Vanguard Marine & Leisure is an underwriting manager specialising in providing insurance solutions to the broking fraternity via the insurance broker market.

The product offering begins with insurance for watercraft and includes optional cover for the full rig being the tow vehicle, trailer/caravan and specified all risks items. Liability cover is provided over both the craft, trailer and motor sections. Our aim is to provide the insured with the peace of mind that consistent cover is maintained for the rig whether at home, in transit or while on the water. Vanguard Marine & Leisure is underwritten by Infiniti Insurance (Pty) Ltd. UMA Directory 2012

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Wildlife (game) insurance

Wildlife (game) insurance AnimalSure (Pty) Ltd Postal address (head office): PO Box 14, Saxonwold, 2132 Website: www.animalsure.co.za Phone: +27 (0)82 925 0957 Fax: +27 (0)86 548 7842 E-mail: animalsure@mweb.co.za

Product information: Our Specialist Game and Livestock Insurer product provides comprehensive cover for all game and livestock. Cover includes all risk mortality, fire and lightning, capture, transit and post-release stress cover. We have AA claims rating.

Etana Insurance Cargotransit Insurance Underwriting Managers (Pty) Limited Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, Gauteng, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2734 E-mail: joanj@etana.co.za

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Product information: Etana’s wildlife insurance product was specifically designed for the South African wildlife industry with the assistance, guidance and expertise from various leading industry organisations. The product is based on a non-generic wording and is thus not an agri policy that has been endorsed to meet the requirements of the

wildlife industry. This product boasts many first for SA cover and extensions. Unique features: • Pre-loss veterinarian fees automatically included. • Emergency game feed costs/accidental breakout. • Post-release stress cover does not exclude first 7 – 14 days from step off. • Medical evacuation and trauma counselling for humans included automatically. • Frozen semen, embryo and container cover. • No claims discount (NCD). • Risk surveys - animal policies

Gamewize (Hollard) Postal address (head office): PO Box 69010, Bryanston, 2021 Website: www.gamewize.co.za Phone: +27 (0)83 377 2705 Fax: +27 (0)86 607 6803 E-mail: info@gamewize.co.za

insure the following for game: capture cover, translocation cover, post release stress cover, boma cover, veld cover, all risks of mortality cover, horn/tusk replacement cover, green hunt cover. We tailor packages to suit your requirements.

Product information: Wildlife insurance - We Tourism Risk Underwriting Managers Postal address (head office): PO Box 250, Umhlanga Rocks, 4320 Website: www.trum.co.za Phone: +27 (0)31 562 0426 Fax: +27 (0)31 562 0025 274

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E-mail: info@trum.co.za Product information: We are specialists in tourism, hospitality and wildlife insurance. As Lloyd’s cover holders, we are easily able to

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Wildlife (game) insurance / Woodworking risks tailor-make solutions for our niche market. We offer: Asset protection (property damage and asset all risks solutions available) â&#x20AC;&#x201C; all construction types including thatch, throughout sub-Saharan Africa. Motor: subSaharan territorial limits. Passenger liability sub-Saharan territorial limits. Indemnity limits up to R100 million. General public liability (basic and broad-form solutions available):

Indemnity limits up to R100 million. Cover available to clients/risks throughout subSaharan Africa and worldwide jurisdiction can be obtained. Wildlife transit and all risk of mortality covers available, Evacuation Comprehensive: medical evacuation cover for guests in the event of a life threatening medical emergency following body injury or illness throughout sub-Saharan Africa.

Woodworking risks Woodworking Risk Acceptances (Pty) Ltd Postal address (head office): PO Box 3464, Pietermaritzburg, 3200 Website: www.wra.co.za Phone: +27 (0)86 010 9462 E-mail: leigh@wra.co.za Product information: Woodworking Risk Acceptances offers a comprehensive T-Z

Specialist in equine, wildlife, livestock and canine insurance.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED Equistar Underwriting Managers (Pty) Limited Contact Details: Tel (011) r 'BY 086 687 2417 4VOTFU %SJWF /PPJUHFEBDIU .VMEFSTESJGU r 1 0 #PY %BJOGFSO BOHFMB!FRVJTUBS DP [B r XXX FRVJTUBS DP [B 3FHJTUSBUJPO /P r FSP License Number: 22338

INDEX Agricultural and farming - 32, 33, 34, 35

Environmental impairment liability - 102, 103

Art, antiques and collectibles - 36

Event liability - 104, 105, 106, 107

Aviation - 37, 38, 39

Excess of loss liability - 108

Bankers blanket bonds - 42, 43

Excess of loss fidelity/money/burglary - 108

Bed and breakfast and guesthouse insurance - 44, 45, 46, 47

Executor bonds - 109

Bicycle insurance - 48 Bloodstock - 49 Body corporate and sectional title - 50, 51, 52. 53

Factory and industrial - 112, 114, 115 Fidelity guarantee - 116, 117

Broad-form liability cover - 56, 57, 58, 58, 59

Film producers’ indemnity/Film and entertainment - 118, 119

Building insurance - 60, 62

Flight cover - 120

Buses (passenger transport vehicle insurance) - 63

Fuel guarantee cover and filling station cover - 121

Cellular phone insurance - 66

General and broad-form liability - 123

Classic and vintage cars - 67, 68

Goods in transit/inland transit - 124, 128, 130, 131

Commercial and industrial risks - 69, 70, 71

Hauliers’ combination insurance - 134

Commercial insurance - 71, 72, 73, 74, 75

Health and accident - 135

Construction and engineering insurance - 76, 77, 78

Heavy commercial vehicle cover - 135, 136, 137, 138, 140

Construction and retention guarantees - 79, 80 Consumer protection insurance - 80 Contract guarantees - 82 Corporate property and engineering insurance - 83

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Extreme activities cover - 109

HIV life cover - 141 Homeowners’ association - 141 Homeowners’ insurance - 142

Court bonds - 84

Hospitality and leisure industry - 143, 144, 145, 146, 147, 148

Credit insurance - 84

Hull insurance - 148, 149

Credit protection - 85

Income protection - 150

Credit shortfall - 86

Jewellers’ block - 152

Curator bonds - 87

Kidnap and ransom insurance - 156, 157

Directors’ and officers’ liability insurance - 90, 91

Legal advice and expense protection - 158

Employment practices liability - 93, 94

Legal services - 159

Engineering risks and engineering insurance - 94, 95, 96, 98, 99, 100, 102

Life insurance - 160

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Liquidator’s bond - 161

Livestock - 161

Photographic equipment - 218

Malpractice (allied health professionals) - 164

Plastic risks - 218

Management liability - 164, 165

Product guarantee/recall - 219, 220

Marine and special risks - 166

Product warranty - 221

Marine cargo - 167, 168

Professional indemnity insurance - 222, 224, 226, 227, 228, 229

Marine liabilities (including charterers) - 169, 170 Marine risks - 171, 172, 173, 174 Medical aid trustees’ insurance - 174 Medical insurance - 176 Medical malpractice insurance - 177, 178, 179 Metal risks - 180

Schools - 232 Sectional title - 232, 233 Security liability - 234 Self-insurance - 235 Specialised domestic insurance - 235, 236, 237, 238, 239

Misappropriation of trust funds insurance - 180, 181

Specialised high value executive motor vehicles - 239, 240, 242, 244

Motor and commercial lines - 182

Specialised insurance for buildings - 245, 246, 247

Motorcycles and quad bikes - 183, 184, 185

Specialised insurance for 4x4 owners - 248

Motor fleet - 186, 188, 189

Specialised outdoor insurance - 250

Motor homes and caravans - 190

Specialised small commercial business - 250, 251, 252

Motor – small area repair - 190

Specie insurance - 253

Motor – special requirements - 191

Surety - 254

Motor third party liabilities - 194

Tax insurance - 258, 259

Motor traders - 194

Taxi insurance - 260, 261, 262

Motor vehicle personal accident cover - 195, 196

Thatch risk - 263, 264

Motor vehicle rental insurance - 197

Tourism insurance - 265, 266

Motor warranties/mechanical breakdown - 197, 198

Trade credit - 266

Niche disability - 92

Travel insurance - 268

Niche GAP cover - 122

Truck (heavy commercial vehicle) - 270

Pension fund trustees’ liability - 202

UMA investment company - 270

Performance guarantees - 203, 204

Watercraft and leisure - 272, 273

Personal accident - 206, 207, 208

Wildlife (game) insurance - 274, 276

Personal lines - 209, 210, 211, 212, 214

Woodworking risks - 276

Pets and leisure horses - 216

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INDEX of uma’s AC and E Engineering Underwriting Managers (Pty) Ltd Construction and engineering insurance P76, Engineering risks and engineering insurance P94

Anchor Risk Management Commercial insurance P72, Personal lines P210

Accommod8 Specialised insurance for buildings P245

Antares Broker Support Commercial insurance P73, Personal lines P211

Administration Plus (Pty) Ltd Cellular phone insurance P66

Apex Underwriting Managers (Hollard) Motorcycles and quad bikes P183

Ad Ultimum Outsourcing (Pty) Ltd Aviation P37, Commercial insurance P71, Personal lines P209

Aquarius Underwriting Managers (Pty) Ltd Commercial and industrial risks P69, Personal lines P212, Specialised domestic insurance P235, Specialised high value executive motor vehicles P239

Advantage Motor Plan (Pty) Ltd (Hollard) Motor warranties/mechanical breakdown P197 African Motor Underwriters Motor fleet P186 African Rand Underwriting Managers (Pty) Ltd Agricultural and farming P32, Commercial insurance P72, Livestock P161 Alllife (Pty) Ltd HIV life cover P141, Life insurance P160 Alternative Commercial Acceptances (Pty) Ltd (A.C.A) Agricultural and farming P33, Factory and industrial P112, Hospitality and leisure industry P143, Personal lines P210. See also Turtle I’Cover Altrisk (Pty) Ltd Life insurance P160 Ambledown Risk and Underwriting Managers (Pty) Ltd Health and accident P135

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AnimalSure (Pty) Ltd Wildlife (game) insurance P274

Artinsure (Hollard) Art, antiques and collectibles P36, Photographic equipment P218 Ascent Underwriting Managers (Pty) Ltd Bed and breakfast and guesthouse insurance P44, Hospitality and leisure industry P143 Associated Marine Good –in transit/inland transit P124, Hull insurance P148, Marine and special risks P166, Marine cargo P167, Marine liabilities P169, Marine risks P171 Astra Maritime Underwriting Managers (Pty) Ltd Goods in transit/inland transit P124, Hull insurance P149, Marine cargo P167, Marine liabilities (including charterers) P169, Marine risks P171, Marine and special risksa P166 Auto Trade Underwriters (Pty) Ltd Motor traders P194 Beyonda (Pty) Ltd Goods in transit/inland transit P124, Heavy commercial vehicle cover P135

Bikesure Underwriting Bicycle insurance P48

Coface Credit insurance P84, Trade credit P266

BnB Sure (Pty) Ltd Bed and breakfast and guesthouse insurance P45

Consort Technical Underwriting Managers (Pty) Ltd Engineering risks and engineering insurance P95

Camargue Underwriting Managers Bankers blanket bonds P42, Body corporate and sectional title P50, Broad-form liability cover P56, Directors’ and officers’ liability insurance P90, Employment practices liability P93, Event liability P104, Fidelity guarantee P116, Management liability P164, Medical aid trustees insurance P174, Medical malpractice P177, Pension fund trustees liability P202, Product guarantee/recall P219, Professional indemnity insurance P222, Tax insurance P258 Cara-Sure Motor homes and caravans P190 Cargotransit Insurance Underwriting Managers (Pty) Ltd Goods in transit/inland transit P128, Hull insurance P149, Marine cargo P168, Marine liabilities (including charterers) P170, Marine risks P172, Watercraft and leisure P272 CBC Fleet Insurance Solutions Heavy commercial vehicle cover P136 Chartis Kidnap and ransom P156 CIA Commercial & Industrial Acceptances (Pty) Ltd Body corporate and sectional title P52, Building insurance P60, Homeowners’ insurance P142, Sectional title P232, Specialised insurance for buildings P247 Clarendon Transport Underwriting Managers (Pty) Ltd Taxi insurance P260

C-Sure Underwriting Managers (Pty) Ltd Body corporate and sectional title P53, Sectional title P233 Cross Country Insurance Consultants (Pty) Ltd Marine risks P172, Motorcycles and quad bikes P184, Specialised insurance for 4x4 owners P248 Cyclesure Underwriting Managers (Pty) Ltd Bicycle insurance P48 Dealers Indemnity (Pty) Ltd Consumer protection insurance P80 Devereux Marine CC Marine liabilities (including charterers) P170, Marine and special risks P166, Marine risks P173 Echelon Private Client Solutions Specialised domestic insurance P236 Envirosure Underwriting Managers Environmental impairment liability P102 Emerald Risk Transfer (Pty) Ltd Corporate property and engineering insurance P83 Equipagé Insurance Brokers (Hollard) Bloodstock P49 Etana Insurance Agricultural and farming P34, Bed and breakfast and guesthouse insurance P46, Broad-form liability cover P56, Commercial and industrial risks P70, Commercial UMA Directory 2012

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INDEX of uma’s insurance P74, Construction and retention guarantees P79, Engineering risks and engineering insurance P96, Factory and industrial P112, Fidelity guarantee P117, Goods in transit/inland transit P128, Hauliers’ combination insurance P134, Heavy commercial vehicle cover P136, Hospitality and leisure industry P144, Hull insurance P149, Management liability P165, Marine liabilities (including charterers) P170, Marine risks P173, Motor fleet P186, Professional indemnity insurance P222, Sectional title P233, Thatch risk P263, Tourism insurance P265, Wildlife (game) insurance P274 Execuline Motor Underwriting Managers Classic and vintage cars P67, Specialised high-value executive motor vehicles P240 Factory & Industrial Factory and industrial P114, Hospitality and leisure P144, Thatch risk P263 FDM Engineering Underwriters (Pty) Ltd Engineering risks and engineering insurance P96 Film & Entertainment Underwriters SA (Pty) Ltd Film producers’ indemnity/Film and entertainment P118 Firedart Engineering and Construction Guarantee Engineering risks and engineering insurance P98, Contract guarantees P82, Construction and retention guarantees P79, Performance guarantees P203

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Flexible Accident and Sickness Acceptances (Pty) Ltd (FASA) Motor vehicle personal accident cover P195, Personal accident P206 FMI Income protection P150, Niche disability P92 Frontline Underwriters (Pty) Ltd Specialised small commercial business P250 Gamewize (Hollard) Wildlife (game) insurance P274 Garagesure Fuel guarantee cover and filling station cover P121 Gem & Jewel Acceptances (Pty) Ltd Jewellers’ block P152 General & Professional Liability Acceptances Medical malpractice insurance P178, Professional indemnity P224 Health and Accident (Pty) Ltd Personal accident P207 Helm Underwriting Management Services (SA) (Pty) Ltd Marine cargo P168

First Property Acceptances Building insurance P62

HIC Underwriting Managers (Pty) Ltd Bed and breakfast and guesthouse insurance P46, Engineering risks and engineering insurance P98, Factory and industrial P114, Hospitality and leisure industry P145, Motor fleet P186, Schools P232, Specialised outdoor insurance P250, Specialised small commercial business P251, Thatch risk P263, Tourism insurance P265

First Marine Acceptances (Pty) Ltd Marine cargo P168

Hollard Liability Broad-form liability cover P57, Directors’ and

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officers’ liability P91, General and broad-form liability P123, Medical malpractice insurance P178, Professional indemnity P224 Hospitality & Leisure Underwriters Hospitality and leisure industry P146 Ibiliti Underwriting Managers (Pty) Ltd Specialised small commercial business P252 Inception Value Policy Underwriting Management Agency (IVP) Motor – special requirements P191 Independent Aviation Underwriters (Pty) Ltd Aviation P37 Infinite Credit Underwriting Managers (Pty) Ltd Credit protection P85, Credit shortfall P86 Intermediary Underwriting Solutions (Pty) Ltd – TUFFSTUFF Specialised insurance for 4x4 owners P248 IUM Buses (passenger transport vehicle insurance) P63, Hauliers’ combination insurance P134, Heavy commercial vehicle cover 137, Motorcycles and quad bikes P184, Motor fleet P186, Self-insurance P235, Specie insurance P253, Truck (heavy commercial vehicle) P270, Watercraft and leisure P272 KEU Underwriting Managers CC Event liability P105, Film producers’ liability/ Film and entertainment P119 KILN SA Engineering risks and engineering insurance P98, Factory and industrial P115, Marine risks P173

Kuda Insurance Administrators (Pty) Ltd Bloodstock P49 Landmark Underwriting Agency Agricultural and farming P34 Legal Exchange Corporation – LEXCorp Legal advice and expense protection P158, Legal services P159 Legalwise (Pty) Ltd Legal advice and expense protection P158 Leppard and Associates (Pty) Ltd Broad-form liability cover P57, Environmental impairment liability P102, Employment practices liability P94, Motor third party liabilities P194, Professional indemnity cover 224 Lireas Holdings UMA investment company P270 Lynx Heavy Commercial Vehicle Underwriters (Pty) Ltd Heavy commercial vehicle cover P138, Lynx Transit Underwriting Managers (Pty) Ltd Goods in transit/inland transit P130 Manwood Underwriters (Pty) Ltd Professional indemnity insurance P226 Merx HCV Heavy commercial vehicle cover P137 Mirabilis Engineering Underwriting Managers (Pty) Ltd Engineering risks and engineering insurance P99 Motor Acceptances Motor fleet P188

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INDEX of umaâ&#x20AC;&#x2122;s Motorite Insurance Administrators (Pty) Ltd Motor warranties/mechanical breakdown P197 MUA Insurance Acceptances (Pty) Ltd Specialised domestic insurance P237, Specialised high-value executive motor vehicles P242 Network Liability Underwriting Managers (Pty) Ltd Broad-form liability cover P57, Event liability P106, Excess of loss liability P108, Malpractice (allied health professionals) P164, Medical malpractice insurance P178, Misappropriation of trust funds P180, Motor third party liabilities P194, Product guarantee/recall P220, Professional indemnity insurance P226 Omnicover Transport and Transit Acceptances (Pty) Ltd (Hollard) Heavy commercial vehicle cover P140, Motor fleet P188 Oojah Travel Protection (Pty) Ltd (Hollard) Travel insurance P268 Paladin Underwriting Managers Motor fleet P189, Motor vehicle rental insurance P197 Performance and Customs Bond Services Construction and retention guarantees P80, Contract guarantees P82, Performance guarantees P204, Surety P254 Petsure (Pty) Ltd (Hollard) Pets and leisure horses P216 Policy Provider Underwriting Managers Goods in transit/inland transit P131, Income protection P150, Motor â&#x20AC;&#x201C; special requirements P191 Polygon Underwriting Agency (Pty) Ltd Specie insurance P253 284

UMA Directory 2012

Praesidio Risk Managers (Pty) Ltd Kidnap and ransom insurance P157, Personal accident P208 Product Warranty Solutions (Pty) Ltd (Hollard) Product warranty P221 Pet Underwriting Managing Agency (P.UMA) Pets and leisure horses P216 Qdos Underwriting Managers (Pty) Ltd (Hollard) Tax insurance P259 Quantum Liability Underwriting Managers (Pty) Ltd Security liability P234 Resolution Underwriters (Pty) Ltd Medical insurance P176 Risk Guard Alliance Bed and breakfast and guesthouse insurance P46, Hospitality and leisure industry P146, Motorcycles and quad bikes P184, Specialised high-value executive motor vehicles P242 Risk Technical Services (RTS) Broad-form liability cover P58, Construction and engineering insurance P77, Engineering risks and engineering insurance P100, Professional indemnity insurance P227 Santam Aviation Aviation P38, Flight cover P120 Santam Bonds and Guarantees Surety P254 Santam Transport Underwriting Goods-in-transit/inland transit P130 SA Underwriters (SAU) Aviation P39, Personal lines P212, Motor and commercial lines P182

SA Warranties (Pty) Ltd Motor warranties/mechanical breakdown P198 Scintilla (Pty) Ltd (Hollard) Construction and engineering insurance P78, Engineering risks and engineering insurance P102 Shackleton Risk Management Court bonds P84, Curator bonds P87, Executor bonds P109, Fidelity guarantee P117, Liquidator’s bond P161, Misappropriation of trust funds insurance P181, Professional indemnity insurance P228 Small Area Repair Technologies Underwriting Managers (Pty) Ltd (Hollard) Motor – small area repair P190 Stalker Hutchison Admiral (Pty) Ltd (SHA) Bankers blanket bonds P43, Broad-form liability cover P58, Directors’ and officers’ liability insurance P91, Employment practices liability P94, Excess of loss fidelity/money/burglary P108, Fidelity guarantee P117, Medical malpractice insurance P179, Motor fleet P189, Personal accident P208, Product guarantee/ recall P220, Professional indemnity insurance P229, Schools P232, Security liability P234, Strategic Insurance Systems (Pty) Ltd Commercial insurance P75, Personal lines P214 Synergy Targeted Risk Solutions (Pty) Ltd Environmental impairment liability P103 Tax Radar Underwriters Tax insurance P259 Tenrisk Underwriting Managers (Pty) Ltd Homeowners’ association P141

Tourism Risk Underwriting Managers Bed and breakfast and guesthouse insurance P47, Broad-form liability cover P59, Building insurance P62, Event liability P107, Excess of loss fidelity/money/burglary P108, Extreme activities cover P109, Hospitality and leisure industry P148, Motor vehicle personal accident cover P196, Thatch risk P264, Tourism insurance P266, Wildlife (game) insurance P274 Transit Underwriting Managers (Pty) Ltd Goods in transit/inland transit P131 Travel Insurance Consultants (TIC) Travel insurance P268 Turtle I’Cover (Alternative Commercial Acceptances (Pty) Ltd FSP 39835) Niche GAP cover P122, Specialised domestic insurance P238 Vanguard Marine & Leisure Watercraft and leisure P273 Vantage Insurance Specialised high value executive motor vehicles P244 Vulindlela Underwriting Managers (Pty) Ltd Specialised small commercial business P252, Taxi insurance P260 Wheels Underwriting Managers (Pty) Ltd Classic and vintage cars P68, Heavy commercial vehicle cover P140, Motorcycles and quad bikes P185 Woodworking Risk Acceptances (Pty) Ltd Plastic risks P218, Metal risks P180, Woodworking risks P276 Zenith Product Design (Pty) Ltd Specialised domestic insurance P239

Thatch Risk Acceptances Thatch risk P264 UMA Directory 2012

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TWENTY YEARS OF

Leaders in Taxi Insurance Paid out over R1 billion in benefits

| Bus Insurance | Taxi insurance | Personal Accident Insurance for Taxi Owners, Drivers & Passengers |

Tel: 011 274 1300 Fax: 011 486 2200 1st Floor, Village Green Centre 127 Greenway, Greenside, 2193 Box 84215, Greenside, 2034 www.ctu.co.za FSP No. 5010

Underwritten by the Hollard Insurance Company

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