RISKSA UMA Directory by COSA Media

the RISKSA

Directory 2013 Your A-Z guide to specialist insurance products and providers

YOUR CLIENT’S CAR HAS BEEN PERSONALLY CUSTOMISED. WE’D LIKE TO DO THE SAME FOR THEIR INSURANCE.

Highly competitive pricings and a concierge-like service are just some of the many benefits of a bespoke MUA motor insurance policy. If you’d like to hear more please mail our Managing Director, Christelle Fourie, and her team at cfourie@mua.co.za www.mua.co.za MUA Insurance Acceptances (Pty) Ltd is an authorised Financial Services Provider (FSP No. 37947) underwriting on behalf of Compass Insurance Company Limited, an authorised Financial Services Provider (FSP No. 12148).

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CONTENTS foreword

THE voice of umas

THE FUTURE of umas

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K-L

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222

T-Z

244

INDEX

268

INDEX OF UMAs

272

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 Anton Pretorius 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 Victoria Felix Dave Androliakos Herman Dorfling

Copyright COSA Communications (Pty) Ltd 2013. 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

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FOREWORD Dear reader, I was hoping that by the time of writing this, I would be in a position to cast more light on the Binder Regulations saga affecting the entire UMA community. Alas this is not to be. With a little luck January will see the FSB bringing clarity on the matter so that UMAs can get on with the business of providing the specialist covers that have become so necessary in our market. The specialist knowledge many UMAs bring to the table, coupled with their intimate understanding of their clients’ requirements – which extends far beyond what a ‘vanilla’ call centre-driven insurer is able to offer – all point to a future that should robustly weather both the current tougher trading climate as well as the increasingly onerous legislative environment this sector finds itself having to contend with. I am sure that good sense will prevail and I urge our broker readers to avail themselves of the advice and product offering contained in this, the 2013 edition of RISKSA’s UMA Directory. The support for this definitive guide from our country’s leading UMAs is heartening and I thank each and every contributor and advertiser for the role they have played in helping to make this the most complete guide yet. Andy Mark Publisher

THE LEADING SPECIALISED SHORT TERM INSURER

G E N R I C

I n s u r a n c e

GENRIC Values • Professionalism • Flexibility • Knowledge • Efficiency • Empowerment and support to insurance business partners • Committed to BEE and Financial Services Charter GENRIC Insurance provides exceptional specialised insurance solutions to the insurance market: UMA’s, Corporates, Broker Networks, Administrators

INSURANCE SPECIALISED INSURANCE SPECIALISED GENRIC INSURANCE COMPANY LTD. NO.: 2005/037828/06 • VAT NO.: 4190226169 • FSP NO.: 43638 Tel: 011 801 8160 • Fax: 086 685 0357 Physical Address: Boskruin Office Park, President Fouche Avenue, Boskruin, 2154 (Entrance Boskruin Village Centre) Postal Address: PO Box 1115, Bromhof, 2154

The South African Underwriting Managers Association (SAUMA) is a professional organisation representing South African underwriting management agencies. Established in 1999, SAUMA has evolved into an impressive association with a solid track-record, strong industry connections and an extensive membership base. “We take the role that we and our members play and the value we add to the insurance industry seriously,” says Rory Gainsford, SAUMA chairman. “It is what distinguishes SAUMA as the voice of the UMA.” SAUMA’s key aim is to promote the UMA as an economically efficient means to underwrite and distribute insurance products on behalf of an insurer and actively promote the views and interests of its members, to the wider insurance industry and its stakeholders.

hairman), board insford (c a G SAUMA ry o R f aal, consists o ndre de W rd A a rs o b to c A e Benfield, nd dir nt SAUM irman), a er, Stuart y a e h The curre M -c e rt ic u fanidis (v Friend, C Stef Theo lok, Leigh B ja s ta a . y, N chnehage Bernie Ra d Drew S n a n e iz Lana M

SAUMA has cemented close relationships with prominent industry bodies, such as the South African Insurance Association (SAIA) and the Financial Intermediaries Association of Southern Africa (FIA). SAUMA is also represented on the Financial Services Board (FSB). “These strategic relationships are key to SAUMA developing insurance regulation and monitoring pertinent issues that can affect the UMA,” says Stef Theofanidis, SAUMA vice-chairman. He further emphasises, “Representing UMAs in critical negotiations and discussions with the prudential authorities, whose subsequent rulings can significantly impact our members, is a fundamental contribution and one that we are proud of.”

SAUMA sets guidelines in attracting members, which ensure the stability, sustainability and appropriate reputation of their individual businesses, while recognising that the ultimate responsibility for those issues rests with these same members. The UMAs listed in this publication provide insurance products and services to brokers on behalf of insurers and function similarly to an insurer’s operating division. This saves the insurer from having to duplicate its own staff, offices or other resources. These UMAs underwrite risks that require specialist skills, expertise and experience, which only they can bring to the insurance customer.

Rory Gainsford, Chairman, SAUMA.

Stef Theofanidis, Vice-chairman, SAUMA.

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.

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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

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).

The

future of

UMAs By Hanna Barry

â&#x20AC;&#x153;We are seeing more UMAs consolidating to create bigger businesses, which tend to have more capacity and collective ability to deal with these challenges.â&#x20AC;?

. re holds the futu t a h w fessing â&#x20AC;&#x2122;t know os, but pro ri a n We don e c s ine arrage and imag ch. The b s a n re o r ti u ic o d f to host of ake pre simply ou s led to a is a t h We can m b y u tr o s d u d rers, beyond a surance in aller insu in m s e d th n certainty t a a e g h ve. We cts on nic tion comin ly and thri of regula p ntial impa m te o o c p t to u o rces gencies s ab gement a sary resou prediction s a e n c a e n m e g tough ritin lack th creasingly d underw in n n a who may a rs in re l u e d some ins UMA mo spoke to ity of the il b a in ta s su about the ent. environm g n operati

The cost of regulation An increasing legislative and compliance burden is a stretch for the small guys when it comes to time, money and resources. Increased levels of competition in the market, impacting on rating levels and profit margins; global financial uncertainty and the pinching effects it has on the pockets of consumers and corporates; and skills scarcity, leading to fierce competition for the limited skills available in the market, are some of the major challenges that industry commentators highlight as facing insurers and UMAs. Large insurers are more able to withstand these assaults, but what of UMAs?

“We are seeing more UMAs consolidating to create bigger businesses, which tend to have more capacity and collective ability to deal with these challenges. There is a strong business case for larger UMAs, which can deliver products and services of a superior quality to their brokers when run as efficient and excellent businesses,” says Lireas MD, Valerie Hayter. Lireas is currently invested in 17 UMAs and at the time of going to print had been involved in two mergers in the past 21 months, expecting this trend to continue.

“There is a strong business case for larger UMAs, which can deliver products and services of a superior quality to their brokers when run as efficient and excellent businesses.”

However, the UMA’s capacity to adapt to an ever-changing environment, due to greater flexibility and fluidity as a result of their small size and systems, is a distinct advantage. In this sense, UMAs have carved a niche that only they are now profitably able to fill. “Their sustainability is vital and must be maintained for the health and competitive edge of the insurance industry as a whole,” says Quinten Matthew, executive head of specialist business at Santam. While Matthew believes that consolidation will occur where there is an over-supply, a lack of differentiation and competitiveness based purely on price, he thinks this may open things up for new UMAs. “We will continue to see new UMAs entering the market that can offer unique solutions, together with service and skills that are in short supply or not offered in the market.” However, others in the industry think it is far more onerous to start a new UMA now than it was some 10 years ago, which means we are unlikely to see the same proliferation of UMAs. Nevertheless, the servicing model of UMAs remains unique and difficult for insurers to replicate. “One of the charms of UMAs is the servicing that they offer brokers, who can access specialists at a high level,” says Karen Miller, executive head of underwriting at Mutual & Federal. Insurers could perhaps emulate this if they rethought their operating models, but this would almost certainly increase the costs of delivery on certain products. At any rate, access to specialist skills remains a key differentiator of UMAs, as well as their key challenge should they wish to look forward to a bright future.

Grow

Flourish

The struggle for skills That the end of UMAs would lead to an exit of scarce skills from the industry, something which it can ill afford, is a very real risk. Succession challenges and talent shortages plague the industry and UMAs tend to attract more specialist skills, which is something that bigger insurance companies battle with. “Traditional insurers are unlikely to create an environment that will attract and retain the best specialist underwriting talent,” says Bertus Visser, head of distribution and business development at Natsure. But if a plethora of UMAs exit the market, some of these skills could plausibly be absorbed by insurance companies. “If UMAs were to disappear completely, some or most of the business would probably

find its way back into the general insurance market, depending on where the skills migrated to,” adds MD of Compass Insurance, Paul Carragher. “In some instances, where for whatever reason skills could not be retained, the products themselves may be discontinued if the insurer felt they could not adequately service those products.” Those insurance companies that are dominated by UMAs would certainly be challenged. “Some insurance companies deal only through UMAs and do not have the internal resources to absorb these UMAs back into a conventional branch structure. Even those companies that do have their own in-house capabilities for certain classes and use UMAs for others, do not have the resources to absorb the fallout,” notes Rory Gainsford,

chairman of the South African Underwriting Managers Association.

“Traditional insurers are unlikely to create an environment that will attract and retain the best specialist underwriting talent.” “Lireas does not foresee a flight of skills from the industry due to the challenges it faces, but rather an opportunity to support this model and ensure fresh, young talent is attracted into the industry. This will ensure that critical skills are passed down to the younger generation and fused with technological advancements,” says Hayter.

Securing success in an uncertain future To prepare for what may come, UMAs should, according to Visser, partner with insurers that have the best long-term interests of the UMAs and the UMA industry at heart. “Stay abreast of regulatory and market changes and ensure that succession challenges are addressed,” he adds. Miller agrees that insurer support is vital. “We will have to see to what extent insurers will provide support to UMAs with regard to compliance requirements. The more support insurers give to UMAs, the more these UMAs are likely to thrive.” “Expense management is also vital and during this time, staff should be made aware of the need to stretch themselves as never before within a tightly controlled budget,” continues Hayter. “When it comes to attracting and retaining skills, UMAs should be more actively involved as an industry to attract young

talent and to ensure skills and knowledge are imparted to the younger and upcoming practitioners in order to safeguard the continued existence and specialisation so critical to the industry.” “As is the case in any

underwriting results have stood up surprisingly well, I believe there has been a large element of luck. The rates being charged in the market are inadequate and will at some point in time need to move upwards,” he explains.

“Service excellence is a key factor for the UMA and having the right skill, competency and professionalism is essential.”

Hard rates or soft, to remain competitive and relevant; UMAs need to stay on top of a changing landscape. “Continuous professional development (CPD) will maintain, develop and increase technical and professional knowledge in the industry and the UMA environment,” adds Sydney James, client manager at Centriq Insurance. In addition to maintaining high standards, UMAs need to continue bringing something unique to the table. “UMAs will need to clearly define their competitive advantage versus traditional insurers. If you are playing in a cluttered space then this becomes more of a challenge, but there is opportunity if a UMA can differentiate itself and ensure that it is sustainable,” concludes Matthew.

business, the UMA must be in a position to adapt to changes in the industry, be it legislative, market or otherwise. Aspects such as training, succession planning and understanding consumer needs are crucial,” says Carragher. “Service excellence is a key factor for the UMA and having the right skill, competency and professionalism is essential.” Gainsford warns that tough times lie ahead, unless the recession recedes and rates start to harden. “While

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Chi l d r e n â&#x20AC;&#x2122;s A u t h o r 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 s i b i l i t i e s a n d t h e p a r t n e r s h i p s t h a t m a k e 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. BrightRock | C 3 | Consort | HCV | Horizon | FMI | F&I | Leppard | PinnAfrica Lombard Insurance Company Limited (FSP 1596) and Lombard Life Limited (FSP 11643) are licensed Insurers and Authorised Financial Services Providers.

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

In partnership with

insurance entrepreneurs

who are

specialists

in their fields

An Authorised Financial Services Provider FSP 35914

Specialist Underwriters

Insurance Brokers & Mining Rehabilitation Guarantee Consultants

Car Hire

Marine

Vehicle Injury Protection Bloodstock & Sport Horses

Watercraft

Vehicle Warranty, Maintenance & Service Plan Specialists

Aviation

Credit Shortfall

Tourism, Hospitality & Entertainment

Landlord Protection

Classic & Executive Motor

Tax Risk Insurance

Liquidation Bonding

All Specialist Underwriters are Authorised Financial Services Providers

At Centriq we see things differently. Where some see broker bases, we see people. Where some see money generators, we see relationships worth investing in. We’ve spent the past decade building relationships with the people at the heart of the country’s best underwriting management agencies, so that we can be the perfect partner for all of your insurance needs – from aviation insurance to pension funds, from progressive solutions to a personal handshake. Isn’t it time you introduced your people to ours?

2013 UMA DIRECTORY A-Z ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

TEN FACTS ABOUT AGRICULTURE ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

Agriculture provides 70 per cent of employment and 30 per cent of sub-Saharan Africa’s gross domestic product.

In 2003, the African Union adopted the Comprehensive Africa Agriculture Development Programme (CAADP), calling on African governments to dedicate 10 per cent of their national budgets to agriculture and to seek six per cent annual agricultural growth.

In 2008, eight countries reached or surpassed the goal of dedicating at least 10 per cent of their budgets to agriculture: Burkina Faso, Ethiopia, Ghana, Guinea, Malawi, Mali, Niger and Senegal.

Drought-tolerant maize varieties have been developed and introduced to Africa by the International Maize and Wheat Improvement Centre, producing up to 30 per cent more maize.

Despite a tenfold increase in insecticide use in the United States since 1945, crop losses due to insect damage have nearly doubled.

Agricultural activities were responsible for six per cent of the total greenhouse gas emissions in the United States in 2008.

Most of South Africa’s land surface (69 per cent) is suitable for grazing, and lifestock farming is by far the largest agricultural sector in the country.

Climate and soil combinations in South Africa mean that only 12 per cent of the country is suitable for the production of rain-fed crops.

About half of South Africa’s maize is used for animal feed of which 70 per cent is used to feed poultry.

In 2007, fertiliser imported from China and used on pineapple farms in the Eastern Cape was found to contain toxic levels of cadmium, arsenic and lead, and resulted in an export ban by the European Union.

AGRICULTURE AND FARMING AGRICULTURE AND FARMING 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: TURTLE Cover: 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 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.

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 FSP number: 5742 Insurer/risk carrier/principal: Western National Insurance Company Limited (FSP 9465) Product information: AGRInSURE is a complete farm insurance product on which the client can depend to protect their dwellings, personal contents, farm buildings, machinery, equipment and livestock. It also provides 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. In addition to the typical commercial and domestic covers offered, the policy is extended to provide cover specifically for 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.

AGRICULTURE AND FARMING Etana Insurance Physical address (head office): 29 Hof 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

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.

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 assists you, as the broker, in helping your clients to cover the risk and harvest the benefits of growing their business, come rain or shine. Together, you and IUM form a thriving partnership for the benefit of your clients, from which a new

product has grown. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support - 24 hour call centre backed up by our claims department • In-house claims settlement • On-site legal services. Cover available: • Accidental damage

AGRICULTURE AND FARMING • Buildings • Bursting and overflowing of dams • Business interruption • Combines and tractors • Computer equipment • Damage to water tanks and apparatus • Droving of animals • Employment practices liability • Farming implements • Fences • Fire • Fire on veld • Geyser maintenance • Houseowners • House contents • Inflation and escalation

• Irrigation systems, pipes and pumping equipment • Loss of rent or alternative accommodation • Machinery breakdown • Money • Motor • Property in the open • Public liability • Public supply connections • Pumps and electric motors • Spread of fire • Theft • Trauma cover • Trustees’ indemnity • Warehouseman’s liability • Watercraft.

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 FSP number: 12654 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP 12148)

or damage of all farm vehicles, 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.

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

Why Landmark? Landmark consists of a dedicated knowledgeable team who has many years’ experience in the underwriting of farmers’ 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.

Who is the typical client for this product? The owner or manager of a farm seeking tailor-made short-term insurance for all personal and agricultural needs.

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 ART, ANTIQUES AND COLLECTIBLES Artinsure Underwriting Managers (Pty) Ltd Postal address (head office): PostNet Suite 243, Private Bag X30500, Houghton, 2041  Website: www.artinsure.co.za  Phone (head office): +27 (0)86 111 1096  Fax (head office): +27 (0)86 678 0333  E-mail: info@artinsure.co.za  FSP number: 36954  Insurer/risk carrier/principal: Hollard Insurance Company Ltd (FSP number: 17698) Product information: Artinsure Collector is a specialist insurance product group designed to insure the financial security of your artworks

or valuables. While we understand that your most precious collectables are irreplaceable, our insurance solutions are tailor-made to offer comprehensive monetary cover in the unfortunate event of loss, theft or damage. Even where professional restoration is possible, damage to any item spells immediate devaluation of your item, to which the majority of policies in the market do not respond. Artinsure Collector’s products have been specifically designed to ensure that your financial interests in your appreciating assets are protected.

AVIATION AVIATION Aeronautica Underwriting Managers Pty (Ltd) Postal address (head office): PO Box 651688, Benmore, 2010  Website: www.jankelow.co.za  Phone (head office): +27 (0)11 483 3377  Fax (head office): +27 (0)86 683 1851  E-mail: annemiew@icapital.co.za  FSP number: 15808

Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP 75) Product information: Aeronautica Underwriting Managers is a niche UMA offering pilot excess insurance to the aviation industry.

Airspace Africa Underwriters Pty (Ltd) Postal address (head office): PO Box 14098, Hatfield ,0028  Website: www.airspaceafrica.co.za  Phone (head office): +27 (0)12 430 9700  Fax (head office): +27 (0)12 342 0133  E-mail: info@natsure.co.za  FSP number: 4578  Insurer/risk carrier/principal: Guardrisk Insurance Company

(24-hour basis) • Helivac (emergency medical rescue including stated benefit) • Hull deductible insurance (including standalone) • Premium finance (corporate and commercial fleets) • No claims bonus protection plan • Marine cargo (aviation related).

Product information: In addition to the Airspace Africa hull all risk, liability and hull war risk insurance, our specialist brokers can offer their clients access to a variety of newly and specifically designed aviation risk finance tools to enable aviation clients to manage their risk efficiently. These products include, but are not limited to, the following: • Airport owners’ and operators’ liability including Airmeet liability • Personal accident for crew and passengers

Airspace Africa Underwriters (Pty) Ltd has designed easy-to-read and unambiguous wording of which copies are freely available on our website. Aircraft policy: Hull all risks/liabilities/hull war risks Aerodrome owners and operators: Airport liability/hangar keepers/repairers’ liability/ Airmeet liability Personal accident: Crew hull deductible insurance; buy-down of policy deductible.

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:

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

TEN FACTS ABOUT BED AND BREAKFASTS ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

Bed and breakfasts (B&B) are traditionally private homes with fewer than 10 bedrooms available for commercial use.

Between 1993 and 1997, the number of B&Bs in South Africa increased from 300 to an estimated 9 000.

Due to the popularity of B&Bs as a viable business for home owners, several institutions in South Africa now offer courses on how to start and operate a B&B.

Over eight million tourists visited South Africa in 2011.

PWC’s South African hospitality outlook predicts occupancy across all sectors of accommodation will average around 53.9 per cent.

Several associations in South Africa assist the bed and breakfast industry, including the Bed and Breakfast Association of South Africa (BABASA) and the Federated Hospitality Association of Southern Africa (FEDHASA).

There are far fewer B&Bs in the whole of Australia than there are in just the South Island of New Zealand.

In Cuba, B&Bs are known as casa particular, which means ‘private home’.

On the Hawaiian island of Oahu, it has been illegal to open a new B&B since 1989 in an effort to force home owners with extra rooms to rent out space to low-income residents.

The most expensive B&B in Sydney Australia costs $6 400 (R56 585) a night.

BANKERS BLANKET BONDS / BED AND BREAKFAST AND GUESTHOUSE INSURANCE

BANKERS BLANKET BONDS 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. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, 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, and 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. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

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: meyera@sha.co.za FSP number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP 3416)

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 (head office): +27 (0)86 126 2787  Fax (head office): +27 (0)11 326 3613  E-mail: simone@bnbsure.co.za  FSP number: 9854  Product information: BnB Sure is the only company involved with the insurance of B&Bs and guesthouses in South Africa with a complete focus on that sector of the tourism industry. This allows us to give it our 100 per cent attention and not have to worry about other classes of insurance at the same time. We believe that our policyholders are all tourism ambassadors for South Africa and provide the highest level of accommodation

they can. We recognise this by acknowledging the status of tourism ambassadors to all those establishments insured by BnB Sure and we invite them to display the Tourism Ambassadors Certificate which incorporates the Seal of Insurance.

BED AND BREAKFAST AND GUESTHOUSE INSURANCE

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 (head office): +27 (0)11 455 5271  Fax (head office): +27 (0)11 455 5072   E-mail: info@hicsa.co.za  FSP number: 5072   Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP 75) 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 B&B establishments, lodges, guesthouses, restaurants, hotels, conference and convention centres, game farms and lodges, 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.

BED AND BREAKFAST AND GUESTHOUSE INSURANCE/BICYCLE 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: We are specialists in tourism insurance. Our product focuses on a wide variety of cover suited specifically for guesthouses and bed and breakfast businesses. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre.

Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24 hour call centre backed up by our claims department • in-house claims settlement • on-site legal services Cover available: • Accidental damage to glass • buildings • Business interruption • contents • guest’s personal effects • personal accident • public liability • perishable food and beverages • Landscaping, signage and canopies • Leisure sporting facilities • liability • office contents • watercraft and motor

BICYCLE INSURANCE BIKESURE (powered by Harnacks Brokers) Physical address (head office): Insurance House, 33 Buitengracht Street, Cape Town Website: www.BikesureSA.co.za Phone: +27 (0)860 BIKESURE Product information: 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. BIKESURE offers the best package for gutsy riders and special rates are available to multiple bike owners and female riders. In the interest of rider safety, BIKESURE offers free cover to airbag jackets, specifically for the Moto Air product.

BICYCLE INSURANCE 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 FSP number: 3262 Insurer/risk carrier/principal: Hollard Insurance Company Limited Product information: Cyclesure is a shortterm 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 (evacuation cover after any accident) • SweatSafe 50 (hospital expenses cover of up to R200 000 for a family of four after any accident) • 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.

BICYCLE INSURANCE 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 FSP number: 43569 Insurer/risk carrier/principal: Saxum Insurance (FSP 32460) Product information: I-Cycle – At last an all-new product now available to all cyclists. An all risk policy that will provide you with cover while you are participating in a race, training or travelling abroad.

I-Cycle will ensure that your equipment is covered no matter where you are, whether it is in the mud participating in a local derby, on the road competing in your favourite classic or on a track abroad. I-Cycle cover includes: • All risks cover for bicycles, equipment and accessories based on new replacement value • Cover for incidents which include theft, bike jacking and damage to your cycle while training or racing • Cover while competing in international events, national events, provincial events or any other sanctioned events including club rides • Public liability of R 1 000 000. To offer you peace of mind, I-Cycle will include the following in your new tailor-made package: • Medical benefits of up to R100 000 for any accident • Personal accident cover, death or permanent disability cover of R100 000.

BLOODSTOCK/BODY CORPORATE AND SECTIONAL TITLE BLOODSTOCK 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

FSP number: 38382 Insurer/risk carrier/principal: Infiniti Insurance Limited (FSP 32460) 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.

BODY CORPORATE AND SECTIONAL TITLE 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. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, 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, and 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. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

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 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP 12148)

BODY CORPORATE AND SECTIONAL TITLE 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 • Employers’ liability • All risks (residential product) • Money

BLOODSTOCK INSURANCE

• 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

PERSONAL & COMMERCIAL INSURANCE

FOREIGN EXCHANGE

BODY CORPORATE AND SECTIONAL TITLE

C-Sure Postal address (head office): PO Box 1125, Umhlanga Rocks, 4320  Website: www.corporatesure.co.za  Phone (head office): +27 (0)31 571 2500  Fax (head office): +27 (0)31 571 2527  E-mail: c-sure@corporate-sure.co.za  FSP number: 2712  Insurer/risk carrier/principal: Santam Limited (FSP 3416) Product information: Ten reasons to insure with C-Sure: 1. Tailor-made lifestyle solutions specifically

designed for the needs of the sectional title scheme. 2. Indemnity cover is extended to include the managers of the bodies corporate. 3. Grass sporting facilities. 4. Broad-form liability cover of R50 million. 5. Power surge. 6. Theft of landlords’ fixtures and fittings. 7. Homeowners’ associations. 8. Buildings occupied as 70 per cent residential and 30 per cent commercial. 9. Office blocks and office parks. 10. Motor.

BODY CORPORATE AND SECTIONAL TITLE 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: We have for many years provided cover for body corporates and the sectional title industry. Our product is specialised with a wide variety of cover specifically suited to provide peace of mind for this sector of the market. Our product has many additional features and covers which are unique. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24 hour call centre backed up by our claims department • In-house claims settlement • On-site legal services Cover available: • Accidental damage • All risks • Buildings • Commercial glass • Employee’s liability • Fidelity • Geyser maintenance • Inflation and escalation • Liability • Loss of rent or alternative accommodation • Machinery breakdown • Money • Office contents • Public supply connections • Trustees’ indemnity.

WE WILL BE HERE TOMORROW WHEN YOU NEED US MOST Looking back on our track record of 28 years that bears testimony to our enduring quality and stability, SHA is proud of our reputation for underwriting service integrity. Through steadfastly adhering to clear and binding principles and strong leadership, we have become the largest underwriting manager in South Africa. We consistently strive to deliver value-driven niche underwriting service excellence and are confident of continuing to achieve outstanding results by providing unique solutions to our many corporate clients and brokers. Our innovative risk transfer solutions include Broadform Liability, Financial Institutions, Directors and Officers, Professional Indemnity, Medical Malpractice, Clinical Trials, Personal Accident, Motor Fleet, Passenger Liability and Domestic Liability.

The Pavilion The Wanderers Office Park 52 Corlett Drive Illovo 2196 Johannesburg PO Box 55347 Northlands 2116 South Africa Tel +27 (0)11 731 3600 Fax +27 (0)11 447 0080 Email info@sha.co.za We are an Authorised Financial Services Provider (Licence Number 2167).

THE TITANIUM ROOM/1204

WHO KNOWS WHAT THE FUTURE HOLDS THATâ&#x20AC;&#x2122;S WHY YOU BUY LIABILITY INSURANCE

BROAD-FORM LIABILITY COVER BROAD-FORM LIABILITY COVER 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. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, commercial crime, broker professional

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 FSP number: 16401 Product information: Etana’s broad-form liability is an all-encompassing product covering companies’ third party liabilities, thus making sure you are covered when employees cause damage to third party property or when a product causes an injury to customers. Some of the incredible automatic benefits include… • Advertising liability automatically included • Gratuitous advice automatically included in the Products Liability section • Work away from the premises automatically included • Pollution coverage automatically included • Overseas personal liability automatically included • Damage to leased or rented premises automatically included

• Additional extensions also available • Product recall and professional Liability • Pure financial loss and products inefficacy • Defence costs in addition to the limit of indemnity • Vendors liability, carriers liability and warehouseman’s liability, • Care custody and control, excess motor liability and contractors liability • Umbrella liability (DIC/DIL) and incidental medical malpractice

BROAD-FORM LIABILITY COVER Hollard Liability Specialists Postal address (head office): PO Box 87419, Houghton, 2041 Website: www.hollard.co.za Phone: +27 (0)11 351 5000 Fax: +27 (0)11 351 8013 E-mail: bobst@hollard.co.za FSP number: Hollard Insurance Company – 17698 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 & Associates (Pty) Ltd Postal Address (head office): PO Box 2730, Houghton, 2041 Website: www.leppard.co.za Phone (head office): +27 (0)11 459 1640 Fax (head office): +27 (0)11 268 5887 E-mail: simon@leppard.co.za FSP Number: 274 Insurer/risk carrier/principal: Lloyd’s of London and Lombard Insurance Company Limited (FSP 1596)

Product information: General public liability, broad-form liability, products liability, events liability, excess layers and umbrella covers, agrichem liability, motor third party liability, personal liability top-up (XOL and umbrella), commercial liability top-up (XOL and umbrella), warehouseman’s and carriers’ liability and contractors’ 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 FSP number: 36501 Insurer/risk carrier/principal: Guardrisk Insurance Company Ltd (FSP 75) 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 also underwrite broad-form liability covers: general liability, products liability, products guarantee/recall, excess of loss motor liability, contractors’ 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.

BROAD-FORM LIABILITY COVER Risk Technical Services  Postal address (head office): PO Box 803, Cramerview, 2060  Website: www.rtspi.co.za  Phone (head office): +27 (0)11 463 1101  Fax (head office): +27 (0)86 636 5825  E-mail: dwozny@rtspi.co.za  FSP number: 41202  Insurer/risk carrier/principal: RMB Structured Insurance (FSP 1027)

Product information: • General public liability including tenants/property owners • Products liability • mitigation expenses • employers’ liability • defective workmanship • excess of loss • bespoke cover for renewable energy programmes – wind and solar projects.

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 FSP number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP 3416) 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.

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 • contractors’ 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.

BUILDING INSURANCE BUILDING 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 Registration number: 2000/019340/07 FSP number: 13890 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP 12148) Product information: CIA underwrites on behalf of Compass Insurance Company Limited (FSP number: 12148, registration number: 1994/003010/06).

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

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.

BUILDING INSURANCE/BUSES (passenger transport vehicle insurance) First Property Acceptances 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 FSP number: 5655 Insurer/risk carrier/principal: ACE Insurance Limited (FSP 27176) 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 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 with 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) 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 are developed and administered by a division which is dedicated to passenger transport vehicle insurance. Cover is available for tour operators, commuter buses, shuttle services, long distance passenger transport, buses,

BUSES (passenger transport vehicle insurance) private hire (hire and reward), group tours, bus companies and operators. Immediate, interactive assistance from the time a claim occurs is offered via our 24hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24 hour call centre backed up by our claims department • In-house claims settlement • Accident scene management • On-site legal services. Cover includes: • Fire extinguishing charges • Locks and keys • Search and recovery costs • Third party liability • Towing charges including storage and release fees

• Windscreen cover • Wreckage removal. Optional cover: • Credit shortfall • Deposit protector • Downtime/loss of use • Excess Reducer: Own damage • Excess Reducer: Theft and hijack • Excess Reducer: Third party liability • Extended wreckage removal • Goods in transit • Passenger liability • Personal accident on drivers • Towing and recovery costs for cross-border • Towing following mechanical, electrical or electronic breakdown • Riot and strike • Vehicle audio / video equipment, global positioning systems (GPS) and tracking devices • Windscreen.

You and your business have come a long way.

So get Business Insurance

from the bank that’s been around for 150 years.

We can provide you with the right cover for your business needs. Our customised solutions cover damage to property and office contents, business interruption, public liability, goods in transit and a whole lot more. Call us on 0860 999 334. Let’s talk business. Standard Bank Insurance Brokers (Pty) Ltd is an authorised financial services provider (FSP224). A member of the Standard Bank Group. Moving Forward is a trademark of The Standard Bank of South Africa Limited. Standard network rates apply. Products are underwritten by Standard Insurance Limited. SBSA 131708 11/12

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Moving Forward

2012/11/22 10:58 AM

TEN FACTS ABOUT CONSTRUCTION ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

The construction industry contributes about 35 per cent to gross domestic fixed investment (GDFI) and current projections of future infrastructure requirements indicate that its contribution to GDFI could double within five to 10 years.

The sector employs more than 900 000 people.

The Carlton Centre in Johannesburg is the tallest building in South Africa with a pinnacle height of 223 metres. It was built in 1973 and has 50 floors.

The construction of the Gautrain generated approximately 93 000 jobs.

Drilling for the Huguenot Tunnel commenced on both sides of the mountain and when the drilling heads met, the error margin was only three millimetres over the tunnelâ&#x20AC;&#x2122;s entire 3.9-kilometre length.

The Table Mountain aerial cable way operates two cable cars, which counterbalance each other. They cannot operate independently of each other.

Five stadiums were built from scratch for the 2010 Soccer World Cup and another, Soccer City, was completely refurbished at a cost of R15.4 billion.

South Africa is the 21st-largest crude steel-producing country in the world.

Approximately 11 million tons of cement is purchased in South Africa each year.

Since 1994, 435 houses have been built each day in South Africa for the poor.

CELLULAR PHONE INSURANCE/CLASSIC AND VINTAGE CARS Administration Plus (Pty) Ltd Postal address (head office): PO Box 3047, Cape Town, 8000 Website: www.adminplus.co.za Phone: +27 (0)86 111 8765 Fax: 086 505 6721 E-mail: helen@adminplus.co.za FSP number: 36841 Insurer/risk carrier/principal: Constantia Insurance Company Ltd (FSP 31111)

Product information: Administration Plus (Pty) Ltd is a privately owned UMA providing insurance and administration services primarily in cellular handset and laptop insurance. Our licence extends to allow us to write mobile devices.

CLASSIC AND VINTAGE CARS Execuline Motor Underwriting Managers Postal address (head office): PO Box 2926, Bedfordview, 2008 Website: www.execuline.co.za Phone: 0861 106 106 International phone: +27 (0)11 663 0500 E-mail: debbieg@execuline.co.za FSP number: 5012 Insurer/risk carrier/principal: Hollard Insurance Company (FSP 17698)

Product information: 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.

CLASSIC AND VINTAGE CARS/COMMERCIAL AND INDUSTRIAL RISK 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 FSP number: 42389 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 many years’ experience within the classic car industry. Stephen is a classic

car enthusiast and has restored and built classic cars, some being Concours 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 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.

COMMERCIAL AND INDUSTRIAL RISK Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, 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-it-done service delivery are backed by Etana’s 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, 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 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 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.

COMMERCIAL AND INDUSTRIAL RISK 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

Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24 hour call centre backed up by our claims department • In-house claims settlement • On-site legal services.

Product information: We are a onestop shop for comprehensive business insurance for all sizes and requirements. IUM’s business insurance policy is an enhanced, flexible policy catering for the specific needs of clients, to ensure they are properly and appropriately protected and looked after. Cover is provided for general commercial insurance whether it be offices blocks, religious organisations, professional occupations, business services, the building industry, wholesalers and retailers, storage risks/facilities and manufacturing (industrial; factories; plant and machinery; motor industry). Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre.

Cover available: • Accidental damage • Business all risks • Business interruption • Computer equipment • Deterioration of stock • Fidelity • Fire • Glass • Goods in transit • House owners • House contents • Machinery breakdown • Machinery breakdown – business interruption • Money • Motor • Motor traders • Office contents • Public liability • Theft • Umbrella liability.

‘‘None of us is as smart as all of us’’ –Ken Blanchard

That’s why we value our partnership with SAUMA (South African Underwriters Management Association) so much. It’s allowed us to give you, our valued clients, a superior insurance service. Whether it’s helping with the design of unique new insurance products, or simply tapping into the experience and advice of our partners, we’ve added more value by working together.

Sasria. Covering the extraordinary. For more information visit www.sasria.co.za or E mail: info@sasria.co.za or contact us on+27 11 881-1300

61 Authorised financial services provider, license no: 39117

COMMERCIAL INSURANCE 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

• 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 all-round service to brokers and underwriters to ensure they have a competitive advantage. It 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 Internet-based insurance solution utilising browser technology. The solution facilitates access via both the Internet and the traditional digital data networks.

Commercial insurance: • 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 privatetype vehicles. Personal short-term insurance: • All personal effects, tailor-made to individual needs Antares Broker Support Physical address (head office): 4 Malteser Road, Northriding, 2169   Website: www.antaresbrokersupport.co.za  Phone: +27 (0)83 267 6864  Fax: +27 (0)86 653 9493  E-mail: maurizio@antaresbrokersupport.co.za FSP number: 23515   Product information: Antares Broker Support’s general commercial risks products

includes cover for fire, buildings combined, office contents, business interruption, accounts receivable, theft, money, glass, fidelity, goods in transit, business all risk, accidental damage, public liability, employer’s liability, motor, electronic equipment, etc. Same day turnaround time for quotations.

COMMERCIAL INSURANCE 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 FSP number: 5742 Insurer/risk carrier/principal: Western National Insurance Company Limited (FSP 9465) Product information: Comminsure is a flexible commercial insurance product that can be tailored to suit the requirements of most businesses. The unique approach that African Randâ&#x20AC;&#x2122;s experienced underwriting team has to interacting with brokers empowers

the broker to 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 FSP number: 14183

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

We cover all business. ETANA COMMERCIAL & INDUSTRIAL

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Etana is an Authorised Financial Service Provider

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COMMERCIAL 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: andrewe@aum.co.za or laurag@ aum.co.za FSP number: 35916 Insurer/risk carrier/principal: Zurich Insurance Company South Africa Limited (FSP 17703) Product information: U•NIQUE Commercial – 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, 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 Professional – 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. Professional target market is 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.

COMMERCIAL INSURANCE CIB Insurance Administrators Postal address (head office): Private Bag X1600, Bedfordview, 2008  Website: www.cib.co.za  Phone (head office): +27 (0)11 455 5101  Fax (head office): +27 (0)11 455 5202  E-mail: info@cib.co.za  FSP number: 8425  Insurer/risk carrier/principal: Centriq Insurance (FSP 3417)

Product information: Generalist personal and commercial insurance with niche products in both categories, including personal, high net worth individuals, commercial, franchise, buildings, engineering, estate and agriculture.

You and your business have come a long way.

So get Commercial Vehicle Insurance from the bank that’s been around for 150 years.

We can provide you with the right cover for your business needs. Our customised solutions cover the various risk exposures faced by transport business. Various optional extensions may be added such as risk of downtime, credit shortfall and loss of deposit following an accident or theft. Call us on 0860 999 334. Let’s talk business. Standard Bank Insurance Brokers (Pty) Ltd is an authorised financial services provider (FSP224). A member of the Standard Bank Group. Moving Forward is a trademark of The Standard Bank of South Africa Limited. Standard network rates apply. Products are underwritten by Standard Insurance Limited. SBSA 131708 11/12

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Moving Forward

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COMMERCIAL INSURANCE Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, 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-it-done service delivery are backed by Etana’s 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 means 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 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 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.

Ibiliti Underwriting Managers (Pty) Ltd   Postal address (head office): PostNet Suite 246, Private Bag X87, Bryanston, 2021  Website: www.ibiliti.co.za  Phone (head office): +27 (0)10 590 5511  E-mail: yolande@ibiliti.co.za  FSP number: 43404  Insurer/risk carrier/principal: Absa Insurance Risk Management Services t/a AIRMS (FSP 10313) Product information: SME Policy – We know that every business is different. Our policy wordings are easy to understand, adaptable and designed to cover the small to medium

South African business owner against the risk they have to face. We provide our brokers with the best products, flexible solutions, excellent service, seamless software, realtime portfolio management tools as well as training and support. The plain English policy incorporates their business and personal insurance needs into one simplistic policy. Whatever your client’s circumstances, we will be able to offer a flexible solution that is real value for money. We are focused on providing solutions specifically aimed at retailers, administrators, restaurants, accommodation and mobile businesses.

CONSTRUCTION AND ENGINEERING INSURANCE CONSTRUCTION AND ENGINEERING INSURANCE Firedart and Construction Guarantee Postal address (head office): PO. Box 62660, Marshaltown, 2107 Website: www.fdcg.co.za Phone: +27 (0)11 833 1400 Fax: +27 (0)11 867 2816 E-mail: mike@fdcg.co.za FSP number: 40536 Insurer/risk carrier/principal: Compass Insurance (FSP 12148) 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.

Vulindlela Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 29252, Maytime, 3640  Website: www.vum.co.za  Phone (head office): +27 (0)31 818 0391  Fax (head office): +27 (0)86 693 0192  E-mail: info@vum.co.za  FSP number: 33799  Insurer/risk carrier/principal: Santam (FSP 3416)

Product information: VUM is proud to introduce AssetSure, a commercial insurance product for emerging South African SMMEs. AssetSure offers 10 simplified cover sections with plain language policy wording to cover all the insurance needs of South Africa’s vibrant emerging market. The Zuzimali Cashback benefit is paid out at policy section level and pays back 10 per cent of premiums paid by the client after 36 months of no claims.

C&G Underwriting Managers Pty (Ltd)  Postal address (head office): 1st Floor Stonefountain Terrace, 95 Klipfontein Road, Rondebosch, Cape Town, 7700  Website: http://www.engineeringunderwriters. co.za  Phone (head office): +27 (0)87 985 2144  Fax (head office): +27 (0)21 685 5270  E-mail: miker@coim.co.za  FSP number: 30114  Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP 75)  Product information: We offer the construction industry customised,

comprehensive products and solutions and we have a proven track record for innovation. We are continuously researching the market to produce superior products that are tailormade for the construction industry’s needs. • Contractors’ all risks • Erection all risks • Project delay/advanced loss of profits • Completed civil engineering risks • Removal of support risks • Plant all risks • Machinery breakdown/loss of profits • Deterioration of stock • Works damage • Electronic equipment • Performance guarantees • Retention guarantees • Advanced payment guarantees • Tender guarantees.

CONSTRUCTION AND ENGINEERING INSURANCE Pan African Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 85460, Emmarentia, Johannesburg, 2029  Website: www.pafricanu.com  Phone (head office): +27 (0)11 486 0290  Fax (head office): +27 (0)11 486 0295  E-mail: info@pafricanu.com  FSP number: 43875  Insurer/risk carrier/principal: Regent Insurance Company Limited (FSP 25511) Product information: PAU is a team of experienced engineers with all the necessary industry competencies to comprehensively manage the related underwriting and claims handling services for:

• CAR – Contractors’ all risks contract works cover against accidental physical loss or damage during construction • EAR – Erection all risks per CAR, for installation, testing and commissioning of electro-mechanical works • ALOP – Advance loss of profits (delay in start-up) indemnifies the loss of gross profit sustained as a result of delayed commencement of business operation caused by an accident covered under the CAR/EAR policies • PAR – Plant all risks Yellow machinery operating at the construction site as a tool of trade.

Risk Technical Services  Postal address (head office): PO Box 803, Cramerview, 2060  Website: www.rtspi.co.za  Phone (head office): +27 (0)11 463 1101  Fax (head office): +27 (0)86 636 5825  E-mail: dwozny@rtspi.co.za  FSP number: 41202

Insurer/risk carrier/principal: RMB Structured Insurance (FSP 1027) Product information: Contract works; erection all risks; plant all risks; machinery breakdown; electronic equipment; liability; removal of support; marine and delay in start up.

CONSTRUCTION AND ENGINEERING INSURANCE Etana Insurance 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 the following: • construction guarantees • performance • retention • advance payment • bid bonds • materials on site.

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 FSP number: 16401

Rising Above The Risk

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Call us today! WEB: www.pafricanu.com

EMAIL: info@pafricanu.com

PHONE: (011) 486 0290/1/3

FSP: 43875

CONSTRUCTION AND ENGINEERING INSURANCE One Commercial Securities t/a Refine Postal address (head office): PostNet Suite 221, Private Bag X75, Bryanston, 2021  Website: www.one.za.com  Phone (head office): +27 (0)86 126 6562  Fax (head office): +27 (0)86 610 4889  E-mail: jean.o@one.za.com  FSP number: 20395  Insurer/risk carrier/principal: Absa Insurance Company Limited (FSP 8030)

Product information: We offer the full suite of construction guarantee products (performance, retention, advance payment, bid bonds). Having Absa Insurance as guarantor, our AAA credit rated (GCR) guarantee solutions and quality service will ensure client satisfaction.

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 FSP number: 19867 Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP 75) Product information: • 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.

PCBS provides guarantees you can count on.

Without guarantees, most construction projects simply would not get off the ground. PCBS provides construction guarantees, customs and excise guarantees and performance bonds throughout Africa. The cornerstone of our success is our sound technical knowledge base and ample reinsurance capacity. Our highly-skilled underwriting team helps clients put the relevant risk management processes in place to ensure the necessary funding to make their projects work. Our products are distributed by a select group of brokers and underwritten by Guardrisk Insurance. If you would like to be referred to a PCBS broker call us on 011 4822101/5981/8012 or visit our website at www.pcbs.co.za. An authorised financial services provider â&#x20AC;&#x201C; FSP number: 19876.

CONSTRUCTION AND ENGINEERING INSURANCE/ CONSUMER PROTECTION INSURANCE Scintilla (Pty) Ltd 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 FSP number: 9130 Insurer/risk carrier/principal: Hollard Product information: Contractors all risks covers building, civil and mechanical engineering projects against risks during construction or erection (e.g. flooding, fire or explosion, theft) • also covers third party liability risks • loss of profits as a consequence of a delay in project startup can be covered. Plant all risks covers primarily mobile construction plant and machinery against risks of external damage

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 FSP number: 7317 Product information: Credit life, goods cover and retrenchment, underwritten separately or in various 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.

(e.g. accidents on site) and theft. • plant can be underwritten on “new replacement value” and “market value”. A machinery breakdown insurance policy provides cover for sudden and unforeseen physical damage to machinery at the insured’s premises whilst in operation, at rest, or during maintenance. • loss of profits as a consequence of machine’s downtime can also be covered. Electronic equipment insurance covers electronic/ computer equipment against risks of external damage (e.g. dropping, 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.

CONTRACT GUARANTEES CONTRACT GUARANTEES Firedart and Construction Guarantee Postal address (head office): PO Box 11653, Randhart, 1457 Website: www.fdcg.co.za Phone: +27 (0)11 833 1400 Fax: +27 (0)11 867 2816 E-mail: mike@fdcg.co.za FSP number: 40536 Insurer/risk carrier/principal: Compass Insurance (FSP 12148)

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.

CONTRACT GUARANTEES/CORPORATE PROPERTY & ENGINEERING 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 FSP number: 19867 Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP 75) Product information: • 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.

CORPORATE PROPERTY & 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 FSP number: 13893 Insurer/risk carrier/principal: Santam (FSP 32460) 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 600 clients within Africa, and about 75 of these are within South Africa’s top 100 companies. The solution-orientated 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.

Do you have every facet of your business covereD? Emerald is currently the largest Corporate Property and affiliated Engineering Underwriter in South Africa, and underwrites business throughout the African Continent. The solution orientated approach of the Emerald team to create sustainable, quality products is part of their culture. This flexible approach, coupled with the support of their excellent Reinsurer panel, allows Emerald to be truly innovative.

For more information on how Emerald can assist your corporate clients: t +27 11 658 8200 W www.emeraldsa.co.za e info@emeraldsa.co.za FSP FSB No: 13893

Find us on Facebook www.facebook.com/ emeraldrisktransfer Or follow us on Twitter www.twitter.com/ emeraldrisk

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.

COURT BONDS COURT BONDS Shackleton Risk Management  Postal address (head office): PO Box 393, Strathavon, 2031  Website: www.shackletonrisk.co.za  Phone (head office): +27 (0)11 784 5373  Fax (head office): +27 (0)86 611 3226  E-mail: michael@srisk.co.za  FSP number: 33621  Insurer/risk carrier/principal: Safire (FSP 2092) Product information: Shackleton Risk Management (formerly Court Bond Services) has been placing liquidation bonds of security

in KwaZulu-Natal since 1999. Having a number of former liquidation specialists in our management team, we know and understand the needs of liquidators and the nature of the industry. Our underwriters are on the Master’s national panel of recognised insurers and issue guarantees totalling billions of Rand annually to leading liquidators around South Africa. We have facilities to arrange capacity for even the largest estates in the country. In underwriting liquidation bonds, Safire is supported by the global reinsurance market with Munich Re as the lead underwriter.

CREDIT INSURANCE CREDIT INSURANCE Coface South Africa Insurance Company Ltd Website: www.cofaceza.com Phone: +27 (0)11 208 2500 FSP number: 44160 Product information: Coface is a trade risk expert and a worldwide leader in credit insurance. It assists companies â&#x2C6;&#x2019; regardless of their size, business sector or country â&#x2C6;&#x2019; as they grow within their domestic and export countries. Credit insurance solutions are offered which aim to protect businesses against the risk of financial default by their customers.

Coface supports its clients by assessing and preventing risks, so that they can make the best decisions at the most opportune moment thanks to comprehensive, detailed analysis of country, sector and credit risk. This analysis draws on a powerful international network that also enables it to offer its customers credit insurance services in 97 countries, directly or via its partners.

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 FSP number: 30961 (JHS Administrators (Pty) Ltd) Insurer/risk carrier/principal: Infiniti Insurance (FSP 35914)

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.

Product information: Top-up/Credit shortfall: 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. We cover motor vehicles, motorbikes, caravans, trailers, LDVs and commercial vehicles up to eight tons.

Credit protection: In the event of death or permanent disablement, the outstanding balance up to R500 000 with the credit provider is settled in full provided the client adheres to the conditions of the policy.

Instalment protector: Pays your finance instalment for two months in the event of your vehicle being stolen, hijacked or written off up to R20 000.

Personal accident: Cover for death or permanent disability from any accidentrelated event (not just motor) to the value of R20 000.

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 FSP number: 30961 (JHS Administrators (Pty) Ltd) Insurer/risk carrier/principal: Infiniti Insurance (FSP 35914)

Instalment protector: Pays your finance instalment for two months in the event of your vehicle being stolen, hijacked or written off up to R20 000.

Personal accident: Cover for death or permanent disability from any accidentrelated event (not just motor) to the value of R20 000.

TEN FACTS ABOUT Employment practices liability ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

The Employment Equity Act affects employers in South Africa with more than 50 employees or with annual turnover exceeding set amounts regulated by type of industry. It specifically excludes the National Defence Force, National Intelligence Agency and South African Secret Service.

South African Airways and Woolworths were under fire in 2012 due to their employment practices.

Employment practices liability is an area of law that traditionally deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, breach of contract, emotional distress and other violations of laws governing employment practices.

According to the Basic Conditions of Employment Act of 1997, a worker must not work more than 45 hours in any week.

In Botswana, the working week is 48 hours.

The Department of Labour is in charge of monitoring and implementing employment regulations and the current Minister of Labour is Mildred Oliphant.

The Commission for Conciliation, Mediation and Arbitration (CCMA) has been operational since 1996 and handles an average of 86 000 dispute referrals per year.

On average, conciliations take 38 days and arbitrations take 87 days to be completed by the CCMA.

The CCMA resolves more than 70 per cent of cases by conciliation.

Studies have shown that more than 120 000 South African children were engaged in market economic activities in 2010.

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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 Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, commercial crime, broker professional Hollard Liability Specialists 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 FSP number: 17698 (Hollard Insurance) 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.

DIRECTORS’ AND OFFICERS’ LIABILITY 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 0081 E-mail: meyera@sha.co.za FSP number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP 3416) 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 onesize-fits-all commoditised product to cater for crime and civil liability exposures.

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EMPLOYMENT PRACTICES LIABILITY 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. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, commercial crime, broker professional

PARTNERSHIP

THERE aRE ELEMENTs OF RIsK IN EvERyTHINg Protecting your business against risk takes strategic insight. It takes innovation and tailored solutions. It takes the pioneering approach of cell captive insurance. Guardrisk offers cover for corporates, small enterprises and municipalities, as well as cover for a variety of industries including marine, construction, motor and many more. Tel: +27 11 669 1000 â&#x20AC;˘ www.guardrisk.co.za

An Authorised Financial Services Provider

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ENGINEERING RISKS AND ENGINEERING INSURANCE ENGINEERING RISKS AND ENGINEERING INSURANCE Consort Technical Underwriting Managers (Pty) Ltd Postal address (head office): Unit 29, Consort House, Waterford Office Park, Fourways, 2055 (JHB), Suite 9, 62 Old Main Road, Kloof, 3610 (DBN), Shop A1, Office 4, Westlake Square, 1 Westlake Drive, Tokai, 7945 (CPT)  Website: www.consort.co.za  Phone (head office): +27 (0)11 658 1156 (JHB), +27 (0)31 818 0209 (DBN), +27 (0)21 030 0054 (CPT)  Fax (head office): +27 (0)11 658 1175   E-mail: andrew@consort.co.za  FSP number: 2273  Insurer/risk carrier/principal: Lombard Insurance Company Limited (FSP 1596)

Product information: Founded in 1999, Consort Technical Underwriting Managers (Pty) Ltd has over 100 years of collective engineering insurance experience and has become a well-respected source for brokers seeking sound, quality underwriting for this specialised class of insurance. Contractors all risks insurance covers all types of building and civil construction, and indemnifies the insured against the hazards which may threaten works under construction. In addition, we are able to cater for erection all risks, advance loss of profits following contract works, contractors’ third party liability, plant all risks, electronics all risks, machinery breakdown and loss of profits following breakdown.

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

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Etana is an Authorised Financial Service Provider

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As one of Southern Africa’s leading Construction and Engineering Underwriting Managers, we offer cover for the following classes of insurance: • Contractors All Risks (CAR) • Erection All Risks (EAR) • Plant All Risks (PAR) • Public Liability (PL) Insurance • Electronic Equipment (EEI) • Machinery Breakdown (MB) • Business Interruption (BI) • Deterioration of Stock (DOS)

TRUSTED ENGINEERING INSURANCE

For more information contact us Johannesburg; Unit 29, Consort House, Waterford Office Park, Fourways, 2055, Tel: +27 11 658 1156 Durban; Suite 9, 62 Old Main Road, Kloof, 3610, Tel: +27 31 818 0209 Cape Town; Shop A1, Office 4, Westlake Square, 1 Westlake Drive, Tokai, 7945, Tel: +27 21 030 0054 Consort Technical Underwriting Managers (Pty) Ltd is an Authorised Financial Service Provider. FSP No. 2273

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ENGINEERING RISKS AND ENGINEERING 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 5218 E-mail: nicksw@etana.co.za; fransE@etana. co.za FSP number: 16401 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 FSP number: 20816 Product information: Contractors’ all risks, plant all risks, machinery breakdown, breakdown loss of profits, erection all risks and applied electronics. Being a specialist engineering UMA, FDM offers all traditional engineering and contractors all risks covers including, but not limited to, machinery breakdown and loss of profits resulting therefrom, dismantling, transit and erection, works damage, computer and electronic equipment, plant all risks and contract works covers.

Specialist in engineering, plant and contractors all risks.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED FDM Engineering Underwriters (Pty) Limited Contact Details: Tel (011) 823 6368/90 • Fax (011) 823 6298 38 Tur ton Road, Boksburg West 1459 • P O Box 10522, Fonteinriet 1464 fergus@oaktreesa.co.za Registration No. 2004/009147/07 • FSP License Number: 20816

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ENGINEERING RISKS AND ENGINEERING INSURANCE Firedart and Construction Guarantee Postal address (head office): PO. Box 62660, Marshaltown, 2107 Website: www.fdcg.co.za Phone: +27 (0)11 833 1400 Fax: +27 (0)11 867 2816 E-mail: mike@fdcg.co.za FSP number: 40536 Insurer/risk carrier/principal: Compass Insurance (FSP 12148) 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.

ENGINEERING RISKS AND ENGINEERING 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: We are specialists in the construction industry and offer a comprehensive policy for plant all risks. Our product covers all contractors’ plant in Sub-Saharan Africa. Cover is provided for loss of or damage to construction plant and equipment. Cover also includes commercial vehicles and special-type vehicles (including but not limited to forklifts, tractors, front-end loaders, bulldozers, graders, earth moving equipment and similar mobile plant, cranes, pumps, air compressors, crusher plants, dump trucks and the like). Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates

•

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24/7/365 claims support - 24 hour call centre backed up by our claims department In-house claims settlement On-site legal services

Cover included: • Accidents and collisions • Faulty operation • Earthquake, storm, flood • Fire • Overturning • Recovery costs • Theft and hijack • Third party liability for site • Third party liability for the road risk. Optional cover: • Continuing hiring charges • Credit shortfall • Excess Reducer • Expediting Costs • Hiring costs • Windscreen.

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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 – local Phone +27 (0)11 880 8200 – international Fax: +27 (0)11 880 6857 E-mail: info@mirabilisafrica.com FSP number: 28190 Insurer/risk carrier/principal: Santam (FSP 3416) Product information: Mirabilis offers a range of engineering insurance cover that provides for all engineering needs. These include:

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• • • • • •

Contractors’ all risks (CAR) Engineering project insurance cover (EPIC) Advance loss of profits insurance (ALOP) Contractors’ plant and equipment insurance (CPE) Plant all risks 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).

Pan African Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 85460, Emmarentia, Johannesburg, 2029  Website: www.pafricanu.com  Phone (head office): +27 (0)11 486 0290  Fax (head office): +27 (0)11 486 0295  E-mail: info@pafricanu.com  FSP number: 43875  Insurer/risk carrier/principal: Regent Insurance Company Limited (FSP 25511) Product information: EE – Electronic equipment covers accidental loss or damage to electronic equipment. In addition: damage to external data media and increased working costs (office or medical equipment). MB – Machinery breakdown covers machinery specified in the policy schedule for accidental breakdown (boilers, generators, lathes, ovens, printing, refrigeration plant). DOS – Deterioration of stock compensates for any deterioration to perishable goods (fish, fruit, meat) following a breakdown of the cold storage facilities (insured under the machinery breakdown policy).

MLOP – Machinery loss of profit compensates for the loss of profit due to a reduction in turnover and/or increase in cost of working following the breakdown of machinery insured under the machinery breakdown policy.

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ENGINEERING RISKS AND ENGINEERING INSURANCE 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 FSP number: 43569 Insurer/risk carrier/principal: Saxum Insurance (FSP 32460) Product information: ConstructSure plant all risks covers loss of or damage to construction plant equipment (fixed and mobile) from any cause while in storage,

transit, on contract site or while being used as tool of trade. The policy can be extended to cover the plant while on a public road with third party road risk cover. In addition, standard cover is available for hiring costs, legal liability arising out of the hire and continuing hire charges. Contract all risks and erection all risks are comprehensive all risks covers intended for the erection of anything from private houses, cluster homes, small blocks of flats to large projects such as sugar mills, power stations and the like. 

FROM

UNIQUE NEW OFFERINGS FOR THE CONSTRUCTION INDUSTRY, CYCLISTS, BAKKIES AND GIT

Covering plant and contract all risks; computer and electronic equipment; equipment dismantling, transit and erection; machinery breakdown; stock deterioration and loss of profits. From loss and damage to fixed and mobile plant equipment whilst in storage, transit, on contract or as tools of trade, contractual and erection all risks, loss or damage and data loss of computer equipment, accidental and unforseen machinery and equipment breakdowns with an extension policy for stock loss - notably perishable stock and finally loss of gross profit, loss of revenue or increased costs of working as a result of loss or damage sustained as a result of machinery breakdown.

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. Roadside will co-ordinate and manage scene of incident with all authorities and suppliers. We also offer contingent goods in transit cover. Goods in transit - a better road ahead.

Everything required for peace of mind while building a better future for all.

For the small to medium sized business whose primary requirement is to insure bakkies.

At last a product for all cyclists. Whether you are racing, training or travelling, equipment is covered no matter where you are, with the added benefit of roadside assistance.

The product includes free GIT and tools cover for each bakkie covered on the policy. We specialise in courier companies, small delivery contractors, tow trucks, building contractors and general purpose commercial bakkies up to 5 tons. The policy can include office contents, business allrisks, electronic equipment, additional GIT and tools. Bakkie hire is also available on the policy, as is excess buybacks. Roadside assistance is included.

All risk for bicycles, equipment and accessories, including cover for theft, accident, bike jacking and damage while training or racing. Cover can be provided for international, provincial or any sanctioned event including club rides. Includes public liability. Pedalling into the future of cycling peace of mind.

When being mobile is everything. Policy Provider. Suite 103, Il Palazzo, Cnr Zenith & Solstice Roads, Umhlanga Ridge.

Policy Provider underwrites and administers LCVSure, TransitSure, ConstructSure and i-Cycle. 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. ConstructSure underwritten by Insurance One, an authorised financial service provider FSP No 8783, i-Cycle underwritten by Genric, an authorised financial service provider FSP No 43638.

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ENGINEERING RISKS AND ENGINEERING INSURANCE a one-off risk or continuing annual risks. An important point to bear in mind is that cover is available under this cover only for plant and machinery.

Computer and electronic equipment covers loss of or damage to computer and electronic data processing equipment and associated ancillary equipment. The basic policy can be extended to cover increase in cost of working and reinstatement of data and losses arising from the failure of electricity supply and Telkom land lines. Dismantling, transit and erection policy is designed for single operations or a combination of operations. It can be used for

Machinery breakdown covers sudden accidental and unforeseen physical loss of/or damage to machinery and plant arising from mechanical and/or electrical breakdown, while in operation, at rest, or during re-siting or re-erection, at the client’s premises. Deterioration of stock is primarily an extension to the machinery breakdown policy. The cover is restricted to deterioration of perishable commodities which by their very nature require a controlled environment to retain their normal marketable condition. Loss of profits is designed for loss of gross profit, loss of revenue or increased costs of working, arising from loss or damage sustained under the machinery breakdown policy.

You and your business have come a long way.

So get Engineering Insurance

from the bank that’s been around for 150 years.

We can provide you with the right cover for your business needs. Our customised solutions cater for engineering risks such as: machinery breakdown and interruption; deterioration of stock; computer and electronics; construction plant; contract works; dismantling, transit and assembling contract liability. Call us on 0860 999 334. Let’s talk business. Standard Bank Insurance Brokers (Pty) Ltd is an authorised financial services provider (FSP224). A member of the Standard Bank Group. Moving Forward is a trademark of The Standard Bank of South Africa Limited. Standard network rates apply. Products are underwritten by Standard Insurance Limited. SBSA 131708 11/12

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Moving Forward

2012/11/22 10:59 AM

ENGINEERING RISKS AND ENGINEERING INSURANCE Scintilla (Pty) Ltd 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 FSP number: 9130 Insurer/risk carrier/principal: Hollard Product information: Contractors All Risks Covers building, civil and mechanical engineering projects against risks during construction or erection (e.g. flooding, fire or explosion, theft). • Also covers third party liability risks • loss of profits as a consequence of a delay in project start-up can be covered • Plant all risks covers primarily mobile construction plant and machinery against risks of external damage (e.g. accidents on site) and theft • plant can be underwritten on “new replacement value” and “market value”. • A machinery breakdown insurance policy provides cover for sudden and unforeseen physical damage to machinery at the insured’s premises whilst in operation, at rest, or during maintenance • loss of profits as a consequence of machine’s downtime can also be covered. • Electronic equipment insurance covers electronic/computer equipment against risks of external damage (e.g. dropping, 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 provides construction and engineering solutions for all your needs including: Contractors all risk, contractor’s plant and machinery, machinery breakdown and loss of profits, electronic equipment and loss of profits, civil engineering completed risks

We can now offer construction related guarantee cover for: Letters of intent, bid securities, advance payment guarantees, performance guarantees, retention release guarantees and custom and excise bonds With representation in Botswana, Namibia, Zambia, Mozambique, Johannesburg, Durban and Cape Town, we are ideally situated to offer solutions to all your construction needs. Contact us on 011 646 1715 or www.scintilla.co.za

Scintilla is an Authorised Financial Services Provider Underwritten by Hollard an Authorised Financial Services Provider

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ENVIRONMENTAL IMPAIRMENT LIABILITY 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 Contact person: Peter Hodgson E-mail: peter@starsol.co.za FSP number: 36839 Insurer/risk carrier/principal: Compass Insurance Company Ltd (FSP 12148) Product information: The focus of Synergy’s attention is on the liabilities, responsibilities and clean-up which attach to an individual and/or company once an incident has polluted the environment. A vehicle spilling dangerous goods or an explosion of a tank containing hazardous chemicals can be classified as an environmental incident. The relevant issues to be considered when dealing

with such pollution incidents are defined by the National Environmental Management Act, the National Road Traffic Act and others. Our insurance policy covers both first party cleanup and rehabilitation costs together with any third party costs and expenses. 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. Our vision: To become a company most admired for its people, partnerships and performance.

Insuring our environment for tomorrow COMPANY SERVICES Synergy Targeted Risk Solutions (Pty) Ltd offers the following services: • Pollution Liability Clean Up Costs • Environmental Liability Remediation Cover • Broadform Public Liability Insurance • Excess of Loss Public Liability Insurance

Tel: +27 (11) 432 3538 • Fax: +27 (11) 432 3442 E-Mail: info@starsol.co.za PO Box 1623, Mondeor, 2110 • Suite 5, Vista Place, Cnr Vorster and Glen Avenues, Glenanda

ENVIRONMENTAL IMPAIRMENT LIABILITY Envirosure Underwriting Managers Postal address (head office): PO Box 584, Umbilo Rd, Durban, KwaZulu Natal, 4001 Phone: +27 (0)31 205 4918 FSP number: 38594 Product information: Envirosure Underwriting Managersâ&#x20AC;&#x2122; environmental liability and clean-up insurance provides indemnity against a range of environmental incidents including contamination and rehabilitation for transporters carrying hazardous goods.

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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 Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, commercial crime, broker professional

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 FSP number: 16401 Product information: Etana’s new event liability protection product is inspired by everchanging legislation, and incorporates public liability, products liability (including defective workmanship) and employer’s liability. The policy language is easy to understand, in plain English and very user-friendly. Some of the incredible automatic benefits include: • Bodily injury extended to include nervous shock and mental anguish • Food and drink automatically included – not sub-limited

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• F irst aid treatment automatically included – not sub-limited • Spread of fire automatically included – not sub-limited • Pollution liability automatically included – not sub-limited • Statutory legal defence costs are not restricted to a list of statutes but open ended and in line with broad-form liability wordings • Coverage extended to include bodily injury to persons where force is used or considered excessive and gratuitously violent in nature • Claims notification condition extended to be reasonable and not capped at 15 or 30 days • Indemnity limits available from R1 000 000 up to R150 000 000. There is no sexual assault or Aids exclusion.

EVENT LIABILITY

KEU Underwriting Managers CC Postal address (head office): Suite 125, Private Bag X10030, Randburg, 2125  Website: www.keu.co.za  Phone (head office): +27 (0)861 00 00 90  Fax (head office): +27 (0)861 00 00 30  E-mail: info@keu.co.za  FSP number: 5076  Insurer/risk carrier/principal: Centriq (FSP 3417)

the cancellation policy which could include non-appearance of an individual or group, weather and riot and strike. We also provide prize indemnity cover against the possibility of paying a prize based on any statistical calculated risk such as hole-in-one, fishing competitions, product placements and the like.

Product information: We provide cover for all types of events arranged by an events organiser or sponsor. This could include conferences, concerts, corporate days, charity events and exhibitions. Cover will include liability which has been specifically tailormade for the industry including sections such as participants, exhibitors and subcontractors. The same applies in terms of

This is KEU’s 11th year of stellar performance in delivering tailor-made insurance solutions to the film, television, events and entertainment industries. Since the opening act, KEU has struck the right balance between good partners, a solid track record and the flexibility needed in the entertainment industry. We’d like to thank our entire team – the star performers at the frontline, the technical team behind the scenes and of course, our partners – for helping us to tell a new story in insurance solutions for the entertainment industry. Here’s to the next exciting episode in KEU’s story!

Film Producers’ Indemnity

Event Liability

Event Cancellation Contact: Denise or Chummy 88 Mankor Road, Randpark Ridge Tel: 0861 00 0090 Fax: 0861 00 0030 email: info@keu.co.za

Prize Indemnity

Equipment All Risk

www.keu.co.za

KEU Underwriting Managers CC underwritten by Centriq Insurance Company Ltd, will partner only with registered short-term brokers to ensure your risk is covered. KEU is a member of SAUMA.

Authorised FSP: KEU 5076 Authorised FSP: CENTRIQ 3417

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EVENT LIABILITY Leppard & Associates (Pty) Ltd Postal Address: PO Box 2730, Houghton, 2041 Website: www.leppard.co.za Phone (head office): +27 (0)11 459 1640 Fax (head office): +27 (0)11 268 5887 E-mail: simon@leppard.co.za FSP number: 274 Insurer/risk carrier/principal: Lloyd’s of London and Lombard Insurance Company Limited (FSP 1596)

Product information: General public liability, broad-form liability, products liability, events liability, excess layers and umbrella covers, agrichem liability, motor third party liability, personal liability top-up (XOL and umbrella), commercial liability top-up (XOL and umbrella), warehousemen’s and carriers’ liability and contractors’ liability.

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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, contractors’ 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 PROTECTION EVENT LIABILITY PROTECTION 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 Product Information: Etana’s new event liability protection product is inspired by ever-changing legislation, and incorporate public liability, products liability (incl defective workmanship) and employers liability. The policy language is easy to understand, in plain English and very user-friendly. Some of the incredible automatic benefits include. • B odily injury extended to include nervous shock and mental anguish • Food and drink automatically included – not sub limited

• F irst aid treatment automatically included – not sub limited • Spread of fire automatically included – not sub limited • Pollution liability automatically included – not sub limited • Statutory legal defence costs are not restricted to a list of statutes but open ended and in line with broad-form liability wordings • Coverage extended to include bodily injury to persons where force is used or considered excessive and gratuitously violent in nature • Claims notification condition extended to be reasonable and not capped at 15 or 30 days • Indemnity limits available from R 1 million up to R150 million • There is no sexual assault or Aids exclusion.

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EXCESS INSURANCE/EXCESS OF LOSS LIABILITY EXCESS INSURANCE Ibiliti Underwriting Managers (Pty) Ltd Postal address (head office): PostNet Suite 246, Private Bag X87, Bryanston, 2021  Website: www.ibiliti.co.za  Phone (head office): +27 (0)10 590 5511    E-mail: yolande@ibiliti.co.za  FSP number: 43404 Insurer/risk carrier/principal: Absa Insurance Risk Management Services t/a AIRMS (FSP 10313) Product information: Excess policy – buying your client’s excess down is an innovative option to mine your existing client base, without having to source new business, while offering real value to the client. The excess product is available online with updated records, documentation and real-time

management information at your fingertips. We assist all parties to focus on their main functions and thereby ensuring efficiency. We bridge the gap between expensive underwriting and administration costs thereby saving everyone involved time and money. Buying down an excess has never been so easy. This product assists the insured with their cash flow in times of need by providing peace of mind in an affordable way. Your client will be able to reduce or buy their excesses for the various non-motor sections of the commercial policy, motor, plant equipment, goods in transit and professional indemnity. Downtime and shortfall cover can also be provided. This is a standalone product and the underlying policy can be placed with any South African insurer.

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 FSP number: 36501 Insurer/risk carrier/principal: Guardrisk Insurance Company Ltd (FSP 75) Product information: Network is a specialist liability and professional indemnity

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EXCESS OF LOSS FIDELITY/MONEY/BURGLARY 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: meyera@sha.co.za FSP number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP 3416)

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TEN FACTS ABOUT Factories ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

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The manufacturing sector contributes about 15 per cent of South Africa’s GDP.

The automotive industry is one of South Africa’s most important sectors, with many of the major multinationals using South Africa to source components and assemble vehicles for both the local and international markets.

There are more than 200 automotive component manufacturers in South Africa.

In 2012, Unilever completed construction of a R670 million savoury foods factory with the manufacturing capacity to make it the company’s largest dry food plant in the world.

In September of 2012, it was revealed on News24.com that workers at a factory in Cape Town received deductions from their wages every time they exceeded 12 minutes for a toilet break.

A 2010 study on emerging markets showed South African workers are more productive than workers in Russia, Columbia, Brazil, China and India.

In 2008, National Geographic reported that China produced 70 per cent of the world’s umbrellas, 60 per cent of the world’s buttons, 72 per cent of shoes sold in the United States, 50 per cent of kitchen appliances and toys sold in the US and 85 per cent of all artificial Christmas lights sold in the US.

Approximately 42 400 factories have closed down in the United States since 2001 which accounted for millions of manufacturing jobs lost.

In 1959, manufacturing represented 28 per cent of economic output in the US. In 2008, it represented only 11.5 per cent.

The Coca-Cola Company and trademarks owned by it account for approximately 1.6 billion beverages served every day.

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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 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, 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

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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.

Factory and Industrial Factory and Industrial Physical address (head office): 3 River Road, Bedfordview, 2008 Website: www.facind.co.za Phone: +27 (0)861 322 463, +27 (0)11 615 1640 (JHB), +27 (0)33 394 3690 (PMB), +27 (0)31 584 7720 (DBN), +27 (0)21 531 7943, +27 (0)72 508 6881 (PTA). E-mail: info@facind.co.za

ensure that compliance and risk management issues are identified and dealt with before an event thereby avoiding claim pitfalls.

Product information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance and risk solutions for the commercial, manufacturing and hospitality sectors. We place emphasis on our clientsâ&#x20AC;&#x2122; compliance with statutory and regulatory legislation. Our experienced personnel provide professional risk assessment and tailored risk management services for the protection of intermediariesâ&#x20AC;&#x2122; interests and clientsâ&#x20AC;&#x2122; businesses. Our F&I risk management team attempts to

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

crime policy provides the necessary cover protecting companies from potential staff dishonesty. This holds especially true given the current day and age, where questions may arise surrounding the breach of information, the internal security and the processes in a company.

Product information: Etana’s commercial 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 protects practitioners (attorneys and 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: SRM’s fidelity guarantee 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: meyera@sha.co.za FSP number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP 3416)

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Product information: Commercial crime and fidelity guarantee cover.

FIDELITY GUARANTEE

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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 4188 E-mail: clive@feusa.co.za Contact person: Clive Shelver – Managing director FSP number: 42293  Insurer/risk carrier/principal: Compass Insurance (FSP 12148) Product information: Film & 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, feature films and entertainment events. Products include: • Package covering key cast and crew • Negative, video tape and digital card all risks • 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-elated risks • Animal mortality • Events liability • Prize indemnity.

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FILM PRODUCERS’ INDEMNITY/FILM AND ENTERTAINMENT

KEU Underwriting Managers CC  Postal address (head office): Suite 125, Private Bag X10030, Randburg, 2125  Website: www.keu.co.za Phone (head office): +27 (0): 0861 00 00 90  Fax (head office): +27 (0)861 00 00 30  E-mail: info@keu.co.za  FSP number: 5076  Insurer/risk carrier/principal: Centriq (FSP 3417)

Product information: This is a one-stop solution for all producers of either feature films, commercials, documentaries, television dramas or music videos, and offers film producers’ indemnity, cover for commercials, weather days, personal accident and hired-in vehicles.

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FUEL GUARANTEE COVER AND FILLING STATION COVER FUEL GUARANTEE COVER AND FILLING STATION COVER Garagesure Consultants and Acceptances 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 FSP number: 4467

Insurer/risk carrier/principal: Compass Insurance (FSP 12148) Product information: Retail fuel insurance specialists offering niche underwriting skills for both commercial and retail fuel guarantees.

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: Within our commercial product, we offer cover specifically aimed at the retail fuel industry. Our product is flexible, with a wide variety of cover available to the retail fuel industry. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support - 24 hour call centre backed up by our claims department • In-house claims settlement • On-site legal services. Cover available: • Business interruption • Contingency money cover • Credit card fraud • Fire • Forecourt liability • Fuel contamination • Gardens, water features, statues and playground equipment • Glass • Leakage of fuel • Money • Office contents • Perishable food and beverages • Public liability • Signage, blinds and canopies • Theft.

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FUEL GUARANTEE COVER AND FILLING STATION COVER One Commercial Securities t/a Refine  Postal address (head office): PostNet Suite 221, Private Bag X75, Bryanston, 2021  Website: www.one.za.com  Phone (head office): +27 (0)86 126 6562  Fax (head office): +27 (0)86 610 4889  E-mail: jean.o@one.za.com  FSP number: 20395  Insurer/risk carrier/principal: Absa Insurance Company Limited (FSP 8030)

Product information: We offer fuel and related guarantees for the fuel retail industry. Having Absa Insurance as guarantor, our AAA credit rated (GCR) guarantee is accepted by all fuel companies and select wholesalers, and remains one of the preferred solutions in the industry.

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GAP COVER (NICHE) GAP COVER (NICHE) Turtle Cover (Alternative Commercial Acceptances (Pty) Ltd) 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 FSP Number: 39835 Product information: Turtle 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 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 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 are available. Turtle Cover specialises in providing protection from the unforseen policy limitations against which we usually expect policies to cater for.

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

GENERAL AND BROAD-FORM LIABILITY GENERAL AND BROAD-FORM LIABILITY Hollard Liability Specialists 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 FSP number: 17698 (Hollard Insurance)

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.

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

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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 FSP number: 3416 (Santam) 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. Branch details: Keith Millard (Branch manager – Cape Town) Tel: +27 (0)21 915 8420 Cell: 082 905 3761 Fax: +27 (0)21 418 3962 E-mail: keith.millard@amua.co.za Postal address: PO Box 857, Cape Town, 8000 Physical address: Suite 1001, 10th Floor,

Standard Bank Centre, Hertzog Boulevard, Cape Town, 8001 Sonitha Mahadasen (Manager – Durban) Direct: +27 (0)31 203 4234 Cell: 083 677 0418 Fax: +27 (0)31 203 4003 E-mail: sonitha.mahadasen@amua.co.za Postal address: PO Box 2702, Pavilion, 3611 Physical address: Westway Office Park, The Crescent No 2, 2nd Floor, Santam Building, Westville, 3610 Chris Pyke (Relationship manager – Port Elizabeth) Tel: +27 (0)41 393 6200 Ext 6369 Fax: +27 (0)41 393 6371 Cell: 082 375 8206 E-mail: chris.pyke@amua.co.za Postal address: PO Box 27005, Greenacres, 6057 Physical address: Santam, 1st Floor, Moffett On Main Lifestyle Centre, William Moffett Expressway, Walmer, Port Elizabeth, 6070

Beyonda Group (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 FSP number: 1361 Insurer/risk carrier/principal: Centriq (FSP 3417)

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Product information: As market leaders in excess buy-down products, Beyonda provides clients with all their commercial vehicles excess/deductible requirements. Beyonda also offers goods in transit cover. Our products include: • Competitive comprehensive goods in transit cover • Goods in transit excess reducer.

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GOODS IN TRANSIT/INLAND TRANSIT 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 FSP number: 37366  Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP 12148)

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

Product information: Specialising in marine and transit insurance, we cover the following: • 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.

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 damages to any goods while the property is being transported by road, air, rail or sea within the borders of South Africa. Both cargo owners and transporters can insure their interests in the transits.

Goldfield Insurance Administration CC Physical Address (head office): 450 Elgin Avenue, Beverley Gardens, Randburg Postal Address (head office): P.O. Box 619, Randburg, 2125 Phone: +27 (0)11 781 0381 Fax: +27 (0)86 600 6367 E-mail: matthewo@goldfieldins.co.za FSP number: 2565 Product Information Goldfield Insurance Administration CC underwrites transit and carrier liability on

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behalf of Renasa Insurance Company Ltd. Goldfield’s focus is on personal attention and we deal with all matters other than non-essential functions of the business which are outsourced. It is managed by an experienced team, which includes several senior and respected members of the insurance fraternity. Having had a wealth of underwriting experience, Goldfield’s principal Matthew O’Donnell is uniquely placed to offer excellent advice on the provision of, as well the intricacies of, these insurances.

Specialist in transit and carrier liability.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED Goldfield Insurance Administration CC Contact Details: Tel (011) 326 3886 • Fax 086 600 6367 343 Surrey Ave, Ferndale, Randburg • P O Box 619 Randburg 2125 matthewo@goldfield.co.za Registration No. 1992/012156/23 • FSP License Number: 2565

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GOODS IN TRANSIT/INLAND TRANSIT 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 FSP number: 43569 Insurer/risk carrier/principal: Saxum Insurance (FSP 32460) Product information: TransitSure is a

conventional goods in transit policy. Cover includes overloading exceeded, over height exceeded, salvage and recovery, debris removal, loading and unloading cover and roadside assistance; including mechanical breakdown on the vehicle, security in the event of an accident, overturning or collision. Roadside assistance will co-ordinate and manage scene of incident with all authorities and suppliers. They will also assist in the event of breakdown.

Lynx Transit Underwriting Managers (Pty) Ltd (Genric Insurance) 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

• Conventional goods-in-transit cover for owners of goods • Transport broker contingent cover. • One-off risks • Basic excess reducer • Theft hijack excess reducer.

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 in transit sector, specifically owners of commercial transport vehicles and fleets. Lynx brings refreshing new market capacity and expertise.

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.

• Conventional goods-in-transit cover for transport contractors

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 FSP number: 20480 Insurer/risk carrier/principal: Compass Insurance (FSP 12148) Product information: Road transit within RSA and SADC countries, specified vehicle basis,

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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.

GRADUATE PROFESSIONALS GRADUATE PROFESSIONALS Ibiliti Underwriting Managers (Pty) Ltd Postal address (head office): PostNet Suite 246, Private Bag X87, Bryanston, 2021  Website: www.ibiliti.co.za  Phone (head office): +27 (0)10 590 5511  E-mail: yolande@ibiliti.co.za  FSP number: 43404  Insurer/risk carrier/principal: Absa Insurance Risk Management Services t/a AIRMS (FSP 10313)

licensed FSPs/brokers, legal practitioners, quantity surveyors; health services, including but not limited to dental services, medical and health practitioners, optometrists, physiotherapists and veterinary services.

Product information: Insurance for graduate professionals – this product is available to carefully selected brokers who focus on the professional market supported by seamless Internet software and real-time portfolio management tools. The policy is designed to meet the insurance needs of graduate professionals who operate their business in relation to their qualification and offers comprehensive and flexible business and personal insurance cover. Your clients can choose from a range of covers, tailored to suit their needs. This simplified and unique policy is ideal for the following persons: business services such as architectural services, auditing and accounting firms,

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TEN FACTS ABOUT Heavy commercial vehicles ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

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Isuzu, Daimler AG and the Volvo Group were the largest truck manufacturers in the world (by number of vehicles produced) in 2010.

Overloading of heavy commercial vehicles cause significant damage to roads in South Africa and pose a significant safety hazard.

South Africa has more than half a million kilometres of road, the 18th-largest road network in the world, with a replacement value in excess of R165 billion (1997 estimate).

More than 20 000 medium and heavy commercial vehicles are assembled in South Africa every year.

In Britain and Commonwealth countries, heavy commercial vehicles were traditionally called “lorries”, whereas the term “truck” was originally used in North America and Australia.

Heavy commercial vehicle insurance premiums are mainly affected by the driving record of the drivers; where the trucks are kept, especially overnight; the limits of liability cover required; the type and radius of operation and age; condition; and safety features of the vehicles.

In 2002 and 2004, there were over 5 000 fatalities relating to truck accidents in the United States. Increased safety regulations reduced this number to just over 4 000 deaths in 2008.

In 2005, there were an average number of nine fatal truck crashes in South Africa for every 100 million vehicle kilometres travelled.

Since 1 July 2007, it has been illegal to smoke in trucks in England.

1941 was the first year in which the American automotive industry produced one million trucks. Most of these were for the military.

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HEALTH AND ACCIDENT/HAULIERS COMBINATION INSURANCE 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   FSP number: 10287

Product information: Augmentation of medical schemes, emergency evacuation and stabilisation, hospital cash plans and personal accident cover. Ambledown is the largest health insurance underwriting manager/administrator providing gap cover through multiple insurers.

Ambledown Risk and Underwriting Managers (Pty) Ltd  Oneplan Health Insurance Postal address (head office): PO. Box 652075, Benmore, 2010 Website: www.oneplan.co.za Phone (head office): +27 (0)10 001 0141 E-mail: broker@onegrp.co.za FSP number: 31724 Insurer/risk carrier/principal: Absa Insurance Risk Management Services t/a AIRMS Product information: Oneplan offers health

insurance plans from as little as R235 p/m. Giving South Africans an alternative choice to protect and maintain their wellbeing through personal health insurance. We’ve designed our plan options to be simple, cost effective and easy to understand. So when accidents or illness occurs, our clients are covered, without any surprises. Cover includes: doctors, medication, hospital, maternity, ambulance, specialist, dentistry, radiology, pathology and more.

HAULIERS COMBINATION INSURANCE Etana Insurance Physical address (head office): Etana Trucking, Block C, Essex Park, 46 Essex Terrace, Westville, 3629 Website: www.etana.co.za Phone: +27 (0)31 818 1600 E-mail: charlief@etana.co.za or iany@etana. co.za Product information: We deliver purposedesigned insurance to fit the individual risk needs of heavy commercial vehicle (HCV) and bus operators (excluding passenger liability) – we will also insure private motor vehicles (PMVs), light delivery vehicles (LDVs) and certain special type vehicles that form a minor part of any HCV or bus fleet. Additional cover is available for: • HCV motor glass

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• Own damage excess buyback • Theft/hijack excess reducer (excess applicable to the standard policy can be • Reduced to zero, conditional on the entire vehicle being stolen.) • Loss of use (a monetary amount can be insured for downtime of a heavy commercial vehicle over a specified period of time).

HAULIERS COMBINATION INSURANCE/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 are developed and administered by a division which is dedicated to 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. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support -24 hour call centre backed up by our claims department • In-house claims settlement • Accident scene management • On-site legal services • Heavy commercial vehicles can be insured for either market or retail value.

Cover includes: • Fire extinguishing charges • Locks and keys • Search and recovery costs • Third party liability • Towing charges including storage and release fees • Windscreen cover • Wreckage removal. Optional cover: • Credit shortfall • Deposit protector • Downtime/loss of use • Excess reducer: Own damage • Excess reducer: Theft and hijack • Excess reducer: Third party liability • Extended wreckage removal • Goods in transit • Towing and recovery costs for cross-border • Towing following mechanical, electrical or electronic breakdown • Riot and strike • Vehicle audio / video equipment, global positioning systems (GPS) and tracking devices • Windscreen.

HEAVY COMMERCIAL VEHICLE COVER Beyonda Group (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    FSP number: 1361 Insurer/risk carrier/principal: Centriq (FSP 3417) Product information: As market leaders of excess buy-down products, Beyonda provides clients with all their commercial vehicle excess/ deductible requirements. Protect your cash flow in the event of a loss by insuring your excesses.

Our products include: • Comprehensive goods in transit cover • Goods in transit excess reducer • Car rental excess buy-down cover • Own damage excess buy-down • Total loss, including theft/hijacking • Penalty excess buy-down • Hazardous chemical pollution liability excess reducer • Loss of use/income cover • Third party excess reducer • Credit shortfall • Deposit protector • Tow fee top-up cover • Stand-alone windscreen cover.

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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 (head office): +27 (0)11 615 3640  Fax (head office): +27 (0)11 615 3678  E-mail: chris@captive.co.za  FSP number: 9359

Insurer/risk carrier/principal: Guardrisk Insurance Co Ltd (FSP 75) Product information: All heavy commercial vehicles: comprehensive, limited, fund progression and aggregate excess cover.

Etana Insurance Physical address (head office): Etana Trucking, Block C, Essex Park, 46 Essex Terrace, Westville, 3629 Website: www.etana.co.za Phone: +27 (0)31 818 1600 E-mail: charlief@etana.co.za or iany@etana. co.za Product information: We deliver purposedesigned insurance to fit the individual risk needs of heavy commercial vehicle (HCV) and bus operators (excluding passenger liability) – we will also insure private motor vehicles (PMVs), light delivery vehicles (LDVs) and certain special type vehicles that form a minor part of any HCV or bus fleet. Additional cover is available for:

• HCV motor glass • Own damage excess buyback • Theft/hijack excess reducer (excess applicable to the standard policy can be reduced to zero, conditional on the entire vehicle being stolen) • Loss of use (a monetary amount can be insured for downtime of a heavy commercial vehicle over a specified period of time).

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 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 are developed and administered by a division which is dedicated to 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. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support - 24 hour call centre backed up by our claims department • In-house claims settlement • Accident scene management • On-site legal services • Heavy commercial vehicles can be insured for either market or retail value

Cover includes: • Fire extinguishing charges • Locks and keys • Search and recovery costs • Third party liability • Towing charges including storage and release fees • Windscreen cover • Wreckage removal Optional cover: • Credit shortfall • Deposit protector • Downtime / loss of use • Excess reducer: Own damage • Excess reducer: Theft and hijack • Excess reducer: Third party liability • Extended wreckage removal • Goods in transit • Towing and recovery costs for cross-border • Towing following mechanical, electrical or electronic breakdown • Riot and strike • Vehicle audio/video equipment, global positioning systems (GPS) and tracking devices • Windscreen

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 FSP number: 42991 Insurer/risk carrier/principal: Mutual & Federal (FSP 12) 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 licence codes C1, C, EB, EC1 and EC. We have a mandate from Mutual & Federal to

handle the full underwriting and claims process. Merxsure is our tailor-made product aimed at the transportation market. Other tailor-made solutions include the following: • aggregate excess • burning cost • merxsure funding.    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.

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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   FSP number: 17698 (Hollard) 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

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.

Lynx Heavy Commercial Vehicle Underwriters (Pty) Ltd (Genric Insurance) Postal address (head office): PO Box 26460, Monument Park, 0105 Website: www.lhcv.co.za Phone: +27 (0)86 110 5969 Fax: +27 (0)86 230 2036 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 Genric Insurance Company Limited. 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 of 300 kilometres. Buses, taxis and motorcycle risks are excluded. Includes: • Comprehensive cover

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• Restrictive covers • Profit-sharing incentive schemes • Goods in transit • All risks cover • Special types of vehicles • Excess buy-backs including goods-in-transit, own damage and theft/hijack excess 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: Tel 0861 000 464 • Fax 086 696 4004 Shop 1b, Club Gables, Anlin, Pretoria, 0159 • P O Box 908781, Montana. 0151 hilmar @ownsurance.com • www.ownsurance.com Registration No. 2004/023261/07 • FSP License Number: 21974

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HEAVY COMMERCIAL VEHICLE COVER 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 FSP number: 42389 Product information: Wheels works with transporters who operate from one truck to well-run and maintained vehicle fleets, who keep drivers to acceptable work schedules, and who understand the importance of insurance and the need to keep these costs down. Wheels, in turn, will do everything in its power to ensure the insured’s truck gets back on to the road after an accident as quickly as possible. We offer a full range of conventional insurance for the transport market. We also provide specialist risk transfer solutions, customdesigned 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 and Accident policies under the transporter’s policy.

Ownsurance Underwriters (Pty) Ltd Physical address (head office): Shop 1B, Club Gables, Anlin, Pretoria, 0159 Postal address (head office): P.O. Box 908781, Montana, 0151 Website: www.ownsurance.com Phone: +27 (0)861 000 464 Fax: +27 (0)82 495 2062 E-mail: hilmar@ownsurance.com FSP number: 21974 Product information: Ownsurance Underwriters (Pty) Ltd underwrites heavy commercial vehicle risks on behalf of Renasa Insurance Company. Ownsurance’s innovative approach helps contain loss ratios and benefit insured clients. Our innovative

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product, exceptional risk management, superior IT systems and administration skills benefit clients and the insurer alike having manifested in a loss ratio averaging 46 per cent. Ownsurance’s product offers the following advantages: Self-insurance (own fund) portion: • No excess on claims • Flexible claims payment Profit sharing option – allocations of between 50 and 70 per cent of premium. Reinsurance protection – large losses and catastrophe cover.

HIV LIFE COVER/HOMEOWNERS’ INSURANCE HIV LIFE COVER AllLife (Pty) Ltd Postal address (head office): PO Box 787159, Sandton, 2196 Website: www.alllife.co.za Phone: +27 (0)861 255 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.

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   FSP number: 13890  Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP 12148) 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).

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

CIA’s house owners’ policy is unique in that it provides all risks cover and automatically includes subsidence and landslip 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.

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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: TURTLE Cover: 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 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 (head office): +27 (0)861 286 264  Fax (head office): +27 (0)86 633 4311  E-mail: info@ascentsure.co.za  FSP number: 35519  Insurer/risk carrier/principal: Infiniti Insurance (FSP 35914)

Product information: Welcome Plus Policy – Specialised and innovative product range designed to provide comprehensive cover to the hospitality industry (hotels, resorts, lodges, bed and breakfasts).   Wine and Dine Policy – Specialised and innovative product range designed to provide comprehensive cover to the entertainment industry (restaurants, take-aways, food and beverage, catering, clubs and function venues).

Etana Insurance Physical address (head office): 100 on Armstrong, La Lucia Ridge, Umhlanga Website: www.etana.co.za Phone: +27 (0)31 566 4787 E-mail: davip@etana.co.za Product information: Etana Hospitality and Tourism provide holistic, innovative insurance and risk management solutions to address the specific needs of the tourism industry. Our expert team has specialised in hospitality insurance for many years and has developed a range of products to suit the specialist needs

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of tourism businesses, these include: Urban hotels, boutique hotels, safari lodges, tented camps, golf and wildlife estates, conference centres and B&B/guesthouses. A key product offering is cover for properties constructed using non-standard building materials such as thatch, canvas and wood. Etana policies have their base in Multimark, but have been carefully adapted in order to address the unique requirements and challenges faced by the hospitality and tourism industry.

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HOSPITALITY AND LEISURE INDUSTRY Factory and Industrial Physical address (head office): 3 River Road, Bedfordview, 2008 Website: www.facind.co.za Phone: +27 (0)861 322 463, +27 (0)11 615 1640 (JHB), +27 (0)33 394 3690 (PMB), +27 (0)31 584 7720 (DBN), +27 (0)21 531 7943, +27 (0)72 508 6881 (PTA). E-mail: info@facind.co.za Product information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance and risk

solutions for the commercial, manufacturing and hospitality sectors. We place emphasis on our clients’ compliance with statutory and regulatory legislation. Our experienced personnel provide professional risk assessment and tailored risk management services for the protection of intermediaries’ interests and clients’ businesses. Our F&I risk management team attempts to ensure that compliance and risk management issues are identified and dealt with before an event thereby avoiding claim pitfalls.

HIC Underwriting Managers (Pty) Ltd  Postal address (head office): PO Box 2253, Bedfordview, 2008  Website: www.hicsa.co.za  Phone (head office): +27 (0)11 455 5271  Fax (head office): +27 (0)11 455 5072   E-mail: info@hicsa.co.za  FSP number: 5072   Insurer/risk carrier/principal: Guardrisk (FSP 75)  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 B&B 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.

Hospitality & Leisure Underwriters   Postal address (head office): PO Box 696, Bedfordview, 2008  Website: www.handl.co.za   Phone: +27 (0)11 450 3397/3951  Fax: +27 (0)86 689 4950  E-mail: info@handl.co.za FSP number: 4995 Insurer/risk carrier/principal: Santam (FSP 3416) Product information: Hospitality & Leisure Underwriters (H&L), Santam’s specialist hospitality underwriter, offers specific related insurance to the entire hospitality industry.

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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, 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.

Building Glass is also our game

Trust PG Glass for all your household or commercial building glass needs: -

Support South African Manufacturers

Emergency replacements Mirrors Shower Doors Patio Doors Building Glass Film Ascent Underwriting

PG Glass installs the SmartGlass Solutions range of products from basic glazing, safety and security glazing, energy efficiency & environmental glazing to decorative glass solutions. 24 / 7 emergency service in Metro areas.

www.pgglass.co.za

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HULL INSURANCE 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 FSP number: 3416 (Santam)

Cape Town, 8001

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.

Postal address: PO Box 2702, Pavilion, 3611 Physical address: Westway office park, The Crescent No 2, 2nd Floor, Santam Building, Westville, 3610, South Africa

Branch details: Keith Millard (Branch manager – Cape Town) Tel: +27 (0)21 915 8420 Cell: 082 905 3761 Fax: +27 (0)21 418 3962 E-mail: keith.millard@amua.co.za Postal address: PO Box 857, Cape Town, 8000 Physical address: Suite 1001, 10th Floor, Standard Bank Centre, Hertzog Boulevard,

Sonitha Mahadasen (Manager – Durban) Direct: +27 (0)31 203 4234 Cell: 083 677 0418 Fax: +27 (0)31 203 4003 E-mail: sonitha.mahadasen@amua.co.za

Chris Pyke (Relationship manager – PE Tel: +27 (0)41 393 6200 Ext 6369 Fax: +27 (0)41 393 6371 Cell: 082 375 8206 E-mail: chris.pyke@amua.co.za Postal address: PO Box 27005, Greenacres, 6057 Physical address: Santam, 1st Floor, Moffett On Main Lifestyle Centre, William Moffett Expressway, Walmer, Port Elizabeth, 6070

Astra Maritime Underwriting Managers (Pty) Ltd  Postal address (head office): PO Box 1761, Cramerview, 2060   Website: www.astra-maritime.co.za  Phone (head office): +27 (0)11 513 5000  Fax (head office): +27 (0)11 513 5026  E-mail: stevenf@astra-maritime.co.za  FSP number: 5008  Insurer/risk carrier/principal: The Hollard Insurance Company (FSP 17698)     Product information: Marine cargo – for imports and exports. Stock-throughputs – marine imports, storage and distribution risks under one policy. Goods in transit – within South and Southern Africa by road or rail.

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Advance loss of profits – following a marine peril. Ideal for projects and new/upgraded production lines. Commercial hull – in particular fishing vessels, diamond recovery vessels and local coastal vessels. Marine liabilities – ship repairers, stevedores, charterers and marina operators. We offer a strong and experienced team able to efficiently handle complex claims with a proven track record of over 15 years with the same insurer.

HULL 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 FSP number: 37366  Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP 12148)

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

Product information: Specialising in marine and transit insurance, we cover the following: 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 loss or damages to hull, machinery, gear and specialised equipment.

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INCOME PROTECTION INCOME PROTECTION FMI Ltd Postal address (head office): PO. Box 223 Mount Edgecombe 4300 Website: www.fmi.co.za Phone (head office): +27 (0) 860 10 11 19 Fax (head office): +27 (0) 31 502 5250 E-mail: fmiclientcare@fmi.co.za FSP number: 2717 Insurer/risk carrier/principal: FMI Ltd, underwritten by Lombard Life Ltd. Income Protection Specialists Product information: Business Person Elect: As a business owner, you have a company that cannot survive without you. Business Person Elect is designed to cover your income, the income of your business and its running

costs when you are unable to work due to an injury or illness - temporary or permanent. By protecting your income, you are protecting much more. Express income: Any disability portfolio should be comprehensive with a mix of temporary and permanent benefits in place. Both temporary and permanent disability should be considered as two different risks that need to be protected separately. Express Income is designed to cover the gap in a disability portfolio by paying a regular income when unable to work as a result of a temporary injury or illness.

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 FSP number: 43569 Insurer/risk carrier/principal: Saxum Insurance (FSP 32460) Product information: RetrenchSure is a stand-alone policy where a client can insure a monetary value that will be paid out in the event that the insured is retrenched or has a dread disease. The cover is for six months. Cover can start at R5 000 per month and goes up to R15 000 per month and is paid in cash. Value add to domestic lines policies – this is an product that can be added to a domestic lines policy or similar, that will insure a premium payment of the policy in the event that the insured is retrenched or has a dread disease and is paid for up to six months.

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Installment agreement or similar arrangements – a stand-alone or add-on product where a client can insure an instalment agreement or similar payment in the event that the insured is retrenched or has a dread disease and is paid for up to six months.

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 or info@ gemjewel.co.za FSP number: 5064  Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP 12148)

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.

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

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TEN FACTS ABOUT Livestock ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

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South Africa produces approximately 85 per cent of its own meat requirements, with the remaining 15 per cent being imported from Namibia, Botswana, Swaziland, Australia, New Zealand and Europe.

The livestock sector contributes up to 49 per cent of South Africaâ&#x20AC;&#x2122;s agricultural output.

By mid-2007, there were 13.5 million cattle, 24.9 million sheep and 6.4 million goats in South Africa.

Domesticated animals kept as livestock are thought to have originated in the Middle East about 9 000 years ago.

The most recent outbreak of foot-and-mouth disease, a contagious and deadly disease affecting cattle, goats, sheep and other cloven-hoofed animals, was in KwaZulu-Natal in February 2011.

Livestock farming in South Africa includes subsistence farming and commercial production.

Livestock consume a third of the worldâ&#x20AC;&#x2122;s grain harvest.

Worldwide, about 70 billion farm animals are reared for food each year.

Over the past 50 years, annual global meat consumption has quadrupled.

The production of one kilogram of beef requires, on average, more than 15 000 litres of water.

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KIDNAP AND RANSOM INSURANCE KIDNAP AND RANSOM INSURANCE AIG Phone: +27 (0)11 551 8641 Fax: +27 (0)11 551 8442 Website: www.aig.com Contact: Quinton Kotze – profit centre manager E-mail: quinton.kotze@aig.com FSP number: 15805 Product information: AIG Insurance provides corporate kidnap and ransom/extortion insurance that protects against financial loss and includes the negotiation and crisis management services of NYA International. 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 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

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• Recall costs • Business interruption • Any other reasonable and necessary expenses.

KIDNAP AND RANSOM INSURANCE 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: Comprehensive Corporate Protection: Covering a whole company or just certain individual employees on a worldwide basis. Family Protection: Provides cover for individuals or whole families living in or travelling to high risk environments, or who could be targeted due to their wealth or profile. Piracy: A tailored product for maritime companies with exposures in high risk piracy areas such as the Gulf of Aden, Indian Ocean or Gulf of Guinea.

• Product extortion • Political or wrongful detention • Hijack. Insured losses can include: • Ransom • Loss of ransom monies in transit • Legal liability • Additional expenses (including but not limited to the cost of PR consultants, psychiatric and medical care, legal advice, temporary security measures, salaries of victims and occupational retraining) • Personal accident • Business interruption • Emergency political evacuation • Product recall • Threat assessment • Child abduction.

What is covered? Cover for individuals on short-term trips or blanket coverage for a whole company on either an annual or multi-year basis. The comprehensive insurance policies will cover against: • Kidnap • Extortion

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legal services LEGAL SERVICES 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   FSP number: 19929 Insurer/risk carrier/principal: Santam (FSP 3416) 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 – 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

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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.

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LEISURE INDUSTRY/life insurance LEISURE INDUSTRY 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 a specialist leisure underwriter. Our focus in this area of business provides cover on (but not limited to) pedal cycles, scuba diving equipment, photographic and video equipment, surfboards, kite boards, paddle skis, kayaks, canoes, surf skis, windsurf boards, sailboards,

model boats, golf clubs and other sporting equipment. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Benefits include: • Competitive rates • 24/7/365 call centre claims support • In-house claims settlement • On-site legal services. Cover includes: • Cover whilst in use.

Natsure Ltd  Postal address (head office): PO Box 14098, Hatfield, 0028  Website: www.leisurelifestyle.co.za; www. carasure.com  Phone (head office): +27 (0)86 186 8765  Fax (head office): +27 (0)86 615 2756  E-mail: info@leisurelifestyle.co.za; info@ carasure.com  FSP number: 4578  Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP 75)

motorhomes) and is considered the leaders of leisure vehicle insurance in South Africa.

Product information: Leisure Lifestyle specialises in leisure vehicles (caravans, off-road caravans, camper trailers and

Leisure Lifestyle is administered by Natsure Ltd and underwritten by Guardrisk Insurance Company Ltd.

Leisure Lifestyle’s product offering includes the following: • fully comprehensive cover for the leisure vehicle • R30 000 contents cover (bedding, clothing, accessories, tents, etc.) • 24-hour emergency roadside assistance • 24-hour home assistance • 24-hour travel assistance (direction service, weather line, general travel enquiries) .

LIFE INSURANCE AllLife (Pty) Ltd Postal address (head office): PO Box 787159, Sandton, 2196 Website: www.alllife.co.za Phone: +27 (0)861 255 5433 Fax: +27 (0)86 612 6595 E-mail: info@alllife.co.za Product information: AllLife designs, distributes and administers life insurance

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LIFE INSURANCE/livestock 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 FSP number: 9869 Insurer/risk carrier/principal: Hollard Insurance Company (FSP 17698) 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 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.

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   FSP number: 5742 Insurer/risk carrier/principal: Western National Insurance Company Limited (FSP 9465)

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. Feedlots – cover for cattle in feedlots which are used as collateral for financing purposes. Our dynamic approach enables us to tailor-make the product to suite your client’s requirements.

Product information:   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.

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TEN FACTS ABOUT Medical malpractice ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

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Five per cent of doctors in the United States are responsible for 54 per cent of malpractice cases.

The side effects of medication kill 106 000 people annually (Journal of the American Medical Association).

Unnecessary, elective surgeries account for thousands of deaths each year.

Medical malpractice cases commonly include misdiagnosis or wrong diagnosis, foreign objects left in the body, birth injuries, surgical errors, breaches of doctor-patient confidentiality, botox misuse and breast implant malpractice.

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.

In 2011, the Medical Protection Society settled its highest claim ever in South Africa at a total of R24 million.

The number of medical malpractice claims in South Africa have risen by more than 130 per cent in the past two years.

Gynaecologists, obstetricians, paediatricians and spinal and orthopaedic surgeons are most frequently the targets of medical malpractice claims.

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MALPRACTICE (ALLIED HEALTH PROFESSIONALS) 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   FSP number: 36501 Insurer/risk carrier/principal: Guardrisk Insurance Company Ltd (FSP 75) 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

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guarantee/recall, excess of loss motor liability, contractor’s 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 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. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, 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, and 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. 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. Improper conduct, prior claims, personal injury and damage, war and terrorism are excluded. For any director, officer, committee member, prescribed officer or company secretary of any entity that is subject to the new Companies Act, who is concerned about the personal liability they can now attract under this new Act, Etana’s directors’ and officers’ liability product is about their personal protection.

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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 FSP number: 3416 (Santam) 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. Branch details: Keith Millard (Branch manager – Cape Town) Tel: +27 (0)21 915 8420 Cell: 082 905 3761 Fax: +27 (0)21 418 3962 E-mail: keith.millard@amua.co.za Postal address: PO Box 857, Cape Town, 8000 Physical address: Suite 1001, 10th Floor, Standard Bank Centre, Hertzog Boulevard, Cape Town, 8001

Sonitha Mahadasen (Manager – Durban) Direct: +27 (0)31 203 4234 Cell: 083 677 0418 Fax: +27 (0)31 203 4003 E-mail: sonitha.mahadasen@amua.co.za Postal address: PO Box 2702, Pavilion, 3611 Physical address: Westway office park, The Crescent No 2, 2nd Floor, Santam Building, Westville, 3610, South Africa Chris Pyke (Relationship manager – Port Elizabeth) Tel: +27 (0)41 393 6200 Ext 6369 Fax: +27 (0)41 393 6371 Cell: 082 375 8206 E-mail: chris.pyke@amua.co.za Postal address: PO Box 27005, Greenacres, 6057 Physical address: Santam, 1st Floor, Moffett On Main Lifestyle Centre, William Moffett Expressway, Walmer, Port Elizabeth, 6070

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 FSP number: 37366  Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP 12148) Product information: Specialising in marine and transit insurance, we cover: • Imports and exports

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

MARINE CARGO

Horizon Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2603, Pinegowrie, 2123 Phone: +27 (0)11 781 3473 Fax: +27 (0)11 781 3478 E-mail: enquiries@horizonmarine.co.za FSP number: 1596 Insurer/risk carrier/principal: Lombard Insurance (FSP 1596) Product information: Horizon Underwriting Managers combines the strengths of FMA and UMS under the Lombard Insurance Company

license, resulting in 40 years of presence in the local market. We provide cover for imports and exports of cargo by all forms of transport, goods in transit, small craft (not commercial), stock-throughput, and marine liabilities. Horizon prides itself on the application of sound underwriting principles with a focus on risk analysis and tailor-made solutions for preferred clients. Horizon has full offices in both Johannesburg and Durban with highly experienced staff at each centre.

Nautical Underwriting Managers (Pty) Ltd  Postal address (head office): PO Box 7414, Albemarle, Germiston, 1410  Website: via www.centriq.co.za  Phone (head office): +27 (0)11 450 3964/66  Fax (head office): +27 (0)86 225 9628  E-mail: dioleted@nauticalum.co.za  FSP number: 43437  Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP 3417)

Product information: Import and export, goods in transit, goods in transit contingency, stock throughput, advance loss of profits, hull, small craft and yachts and any marine liabilities.

Covering all your goods on the move. ETANA MARINE

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Etana is an Authorised Financial Service Provider

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MARINE LIABILITIES (INCLUDING CHARTERERS) 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 FSP number: 3416 (Santam) 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. Branch details: Keith Millard (Branch manager – Cape Town) Tel: +27 (0)21 915 8420 Cell: 082 905 3761 Fax: +27 (0)21 418 3962 E-mail: keith.millard@amua.co.za Postal address: PO Box 857, Cape Town, 8000 Physical address: Suite 1001, 10th Floor, Standard Bank Centre, Hertzog Boulevard, Cape Town, 8001

Postal address: PO Box 27005, Greenacres, 6057 Physical address: Santam, 1st Floor, Moffett On Main Lifestyle Centre, William Moffett Expressway, Walmer, Port Elizabeth, 6070under 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.

Chris Pyke (Relationship manager – Port Elizabeth) Tel: +27 (0)41 393 6200 Ext 6369 Fax: +27 (0)41 393 6371 Cell: 082 375 8206 E-mail: chris.pyke@amua.co.za

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

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MARINE LIABILITIES (INCLUDING CHARTERERS)

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 FSP number: 446 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 oil industries. Cover for the import and export of cargo is provided on a specific voyage basis or as part of stock-throughput cover.

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 various marine liabilities such as charterers, stevedores, etc.

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MARINE RISKS 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 FSP number: 3416 (Santam) 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. Branch details: Keith Millard (Branch manager – Cape Town) Tel: +27 (0)21 915 8420 Cell: 082 905 3761 Fax: +27 (0)21 418 3962 E-mail: keith.millard@amua.co.za Postal address: PO Box 857, Cape Town, 8000 Physical address: Suite 1001, 10th Floor, Standard Bank Centre, Hertzog Boulevard, Cape Town, 8001

Goods in transit – within South and Southern Africa by road or rail. Advance loss of profits – following a marine peril. Ideal for projects and new/upgraded production lines. Commercial hull – in particular fishing vessels, diamond recovery vessels and local coastal vessels. Marine liabilities – Ship repairers, stevedores, charterers and marina operators.

Product information: Marine cargo – for imports and exports. Stock-throughputs – marine imports, storage and distribution risks under one policy.

We offer a strong and experienced team able to efficiently handle complex claims with a proven track record of over 15 years with the same insurer.

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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 FSP number: 37366  Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP 12148) 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 person: Peter Moodley – phone: +27 (0)11 768 4622, (direct) fax: +27 (0)86 683 1536, e-mail: peter.moodley@cargotransit.co.za

Cross Country Insurance Consultants (Pty) Ltd  Postal address (head office): PO Box 731065, Fairland, 2030  Website: www.ccic.co.za  Phone: +27 (0)11 215 8800  Fax: +27 (0)11 476 8205  E-mail: mail@ccic.co.za   FSP number: 39547 Insurer/risk carrier/principal: Renasa Insurance Company Limited, (FSP 15491) 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.

– new replacement basis; settlement basis in inflatables at current market value irrespective of the age of the vessel.    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 their other outdoor equipment on a far wider basis than their conventional policy. Items such as outriggers, fishing equipment and electronic equipment, like 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.

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, breakdown or damage to machinery by flotsam. Settlement basis on small craft within first four years of registration

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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 FSP number: 446 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 oil industries. Cover for the import and export of cargo is provided on a specific voyage basis or as part of stock-throughput cover.

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 damages to any goods while the property is being transported by road, air, rail or sea from anywhere in the world to anywhere in the world.

Horizon Underwriting Managers (Pty) Limited  Postal address (head office): PO Box 2603, Pinegowrie, 2123  Website: www.horizonmarine.co.za  Phone (head office): +27 (0)11 781 3473  Fax (head office): +27 (0)11 781 3478  E-mail: info@horizonmarine.co.za  FSP number: 1596  Insurer/risk carrier/principal: Lombard Insurance Company Limited (FSP 1596)    Product information: Horizon Underwriting Managers combines the strengths of FMA

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and UMS under the Lombard Insurance Company licence, resulting in almost 40 years of presence in the local market. We provide cover for imports and exports of cargo by all forms of transport, goods in transit, small craft (not commercial) stock-throughput and marine liabilities. Horizon prides itself on the application of sound underwriting principles with a focus on risk analysis and tailor-made solutions for preferred clients. Horizon has full offices in both Johannesburg and Durban with highly experienced staff at each centre.

MARINE RISKS

Tri-Marine Acceptances (Pty) Ltd  Postal address (head office): C6, Westlake Square, 1 Westlake Drive, Tokai, 7945  Website: www.trimarine.co.za  Phone (head office): +27 (0)21 701 8023  Fax (head office): +27 (0)21 713 1910  E-mail: marinesa@iafrica.com  Insurer/risk carrier/principal: Infiniti Insurance

Limited (FSP 35914)  Product information: We offer the following products: marine cargo – imports/exports and goods in transit, marine stock-throughput, commercial hull and pleasure craft marine liabilities

You and your business have come a long way.

So get Marine Insurance

from the bank that’s been around for 150 years.

We can provide you with the right cover for your business needs. We have customised solutions in the form of open marine, once-off marine, stock throughput, inland transit, freight liability policies and a whole lot more. Call us on 0860 999 334. Let’s talk business. Standard Bank Insurance Brokers (Pty) Ltd is an authorised financial services provider (FSP224). A member of the Standard Bank Group. Moving Forward is a trademark of The Standard Bank of South Africa Limited. Standard network rates apply. Products are underwritten by Standard Insurance Limited. SBSA 131708 11/12

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Moving Forward

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MEDICAL insurance MEDICAL 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. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, commercial crime, broker professional

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.

Product information: GPLA underwrites on behalf of Lloyd’s of London and provides cover to medical practitioners, allied healthcare practitioners and healthcare organisations.   Hollard Liability Specialists 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   FSP number: 17698 (Hollard Insurance) 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,

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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.

MEDICAL insurance

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   FSP number: 36501 Insurer/risk carrier/principal: Guardrisk Insurance Company Ltd (FSP 75) 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, contractors’ 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.

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: parkerm@sha.co.za FSP number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP 3416) Product information: Cover available for institutional and non-institutional clients.

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MEDICAL insurance

Sirago Underwriters Postal address (head office): PO. Box 1115, Bromhof, 2154 Website: www.sirago.co.za Phone (head office): +27 (0) 10 001 8888 Fax (head office): +27 (0) 86 508 2292 E-mail: info@sirago.co.za FSP number: 4710 Insurer: Glenric Insurance Company Limited Product information: Gap Cover is a shortterm insurance stated benefit product that covers the difference between the medical scheme rate and private rates charged by a registered medical professional for inhospital treatment. CoPay Cover is a short-term insurance stated benefit product that will cover your copayments for procedures performed, as an in-

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patient or as an out-patient. This includes MRI, CT and ultrasound scans. Co-payments are the excesses imposed in terms of the rules of the medical scheme, which the principal member belongs to. Gap cover will settle up to a total of 500% of your medical scheme rate. CoPay and admission fee cover: This product is a shortterm insurance stated benefit product that will cover your co-payments for procedures performed, as an in-patient or as an outpatient. This includes MRI, CT and ultrasound scans. In addition, cover is provided for the admission fees payable to a hospital as imposed in terms of your medical scheme rules. Out-patient cover: The policy will cover you for any out-patient surgical procedure that would normally be performed as an in-patient.

WE PROVIDE C OMPREHENSIVE EFFECTIVE C OVER 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 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.

GAPC OVER

CoPay is a 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. C OPAYC OVER

C OMBINED C OVER

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 diagnoses (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.

CANCERC OVER

SAPMEDS

Cancer Cover is a short-term insurance stated beneﬁt product that will cover your co-payment once you have reached the annual oncology limit of your Medical Scheme. Cover is not available to insureds diagnosed with any form of cancer prior to the policy’s inception. This co-payment is subject to a maximum annual limit.

PHYSICAL ADDRESS: Boskruin Ofﬁce Park, President Fouché Avenue, Boskruin, 2154 (Entrance Boskruin Village Centre) POSTAL ADDRESS: PO Box 1115, Bromhof, 2154 | TEL: 010 001 8888 | Email: info@sirago.co.za Sirago Underwriters (Pty) Ltd is a Registered Financial Services Provider (FSP: 4710) Under contract from Genric Insurance Company Limited

UNDERWRITERS

WWW.SIRAGO.CO.ZA

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METAL RISKS METAL RISKS Factory and Industrial Physical address (head office): 3 River Road, Bedfordview, 2008 Website: www.facind.co.za Phone: +27 (0)861 322 463, +27 (0)11 615 1640 (JHB), +27 (0)33 394 3690 (PMB), +27 (0)31 584 7720 (DBN), +27 (0)21 531 7943, +27 (0)72 508 6881 (PTA). E-mail: info@facind.co.za Product Information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance and risk solutions for the commercial, manufacturing and hospitality sectors. We place emphasis on our clients’ compliance with statutory and regulatory legislation. Our experienced personnel provide professional risk assessment and tailored risk management services for the protection of intermediaries’ interests and clients’ businesses. Our F&I risk management team attempts to ensure that compliance and risk management issues are identified and dealt with before an event thereby avoiding claim pitfalls.

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MISAPPROPRIATION OF TRUST FUNDS INSURANCE MISAPPROPRIATION OF TRUST FUNDS INSURANCE 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   FSP number: 36501 Insurer/risk carrier/principal: Guardrisk Insurance Company Ltd (FSP 75) Product information: Network is a specialist liability and professional indemnity underwriting

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MOTOR ACCEPTANCES MOTOR ACCEPTANCES 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   FSP number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP 3416) Product information: Motor fleet and motor third party liabilities product: • Risk-controlled commercial fleets • Self-insured fund protection (aggregate deductible)

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• 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.

Quality you can trust

• Lead free ceramic band • Environmentally friendly • Premium virgin vinyl • OE (Original Equipment) quality • SABS approved • Supplied with original value adds PG Glass proudly supports South African manufacturers.

Support South African Manufacturers

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MOTORCYCLES AND QUAD BIKES 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 FSP number: 39547 Insurer/risk carrier/principal: Renasa (FSP 15491) Product information: Cover includes full

off-road use, dirt bikes and quad bikes – replacement of bike within first 12 months of registration. Racing risks at an approved MSA event, repatriation, and territorial limits. Once motorcycle/quad is insured, the client has the option to insure outdoor equipment, such as racing gear, electronic equipment, camping equipment, watercraft and jet skis, kayaks, paddle skis and windsurfers, mountain bikes, photographic equipment and other sporting equipment.

Execuline Motor Underwriting Managers  Postal address (head office): PO Box 2926, Bedfordview, 2008  Website: www.execuline.co.za   Phone: 0861 106 106 or International: +27 (0)11 663 0500 E-mail: debbieg@execuline.co.za FSP number: 5012 Insurer/risk carrier/principal: Hollard Insurance Company (FSP 17698)

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

Leisure Zone Physical address (head office): 24 Concorde Road West, Bedfordview, Johannesburg, www.insurancezone.co.za Phone: +27 (0)11 601 8800 (JHB) +27 (0)41 582 1145 (PE) +27 (0)31 275 5006 (KZN) E-mail: kimb@insurancezone.co.za FSP number: 42879 Product information: Leisure Zone, a product of Insurance Zone, provides cover for boats and yachts, catamarans and jetskis, bicycles (road or mountain), windsurfers, paddle skis, quadbikes, motorcycles (on/off road). Benefits include flat excess, medical

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costs, track day cover, participation in organised racing, personal accident cover and R10 000 free all risk cover for fishing tackle and accessories (watercraft only).

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MOTORCYCLES AND QUAD BIKES 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 in this area includes superbikes, quad- and off-road motorcycles, as well as cruisers and dual purpose motorcycles. Cover is also provided for ancillary items such as clothing and riding apparel, where required. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Benefits include: • Competitive rates • 24/7/365 call centre claims support • In-house claims settlement • On-site legal services • Rates for BMWs, Harley Davidsons and Tourers • Motorcycles can be insured for either market or retail value • Collection of the motorcycle before repair • Delivery of motorcycle after repairs have been completed.

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Cover includes: • Death benefit cover • Emergency hotel expenses • Emergency repairs • Fire extinguishing charges • Locks and keys • Towing charges including storage and release fees • Transit cover • Trauma extension • Third party liability. Optional cover: • Credit shortfall • Personal accident • Pillion passenger liability • Roadside assistance • Specified itemised all risks cover • Trailer insurance.

MOTOR FLEET MOTOR FLEET 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 FSP number: 42389

•

Product information: Wheels provides a personal service and are equally 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 riders from the age of 18 years and older. We have reduced the age of riders on off-road and quad bikes to 16. Key features of insurance for all types of motorcycles:

• • •

Comprehensive cover provided with a flat excess structure Learner’s licence accepted Track day cover on request Accidental tyre damage cover (road bikes only) Passenger liability cover while riding up to R500 000 (road bikes only) Personal accident cover while riding (road bikes only) 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 (no excess payable) Up to three additional riders per policy at no extra cost.

WHEELS

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

Wheels generic advert Final.indd 1

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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  Contact person: Neil Reinecke neil@amu. co.za or James Holland james@amu.co.za FSP number: 1041

Product information: We are a long 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.

Etana Insurance Physical address (head office): Etana Trucking, Block C, Essex Park, 46 Essex Terrace, Westville, 3629 Website: www.etana.co.za Phone: +27 (0)31 818 1600 E-mail: charlief@etana.co.za or iany@etana. co.za Product information: Cover for heavy commercial vehicle (HCV) and bus operators (excluding passenger liability), private motor vehicles (PMVs), light delivery vehicles (LDVs) and certain special type vehicles.

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Additional cover is available for: • HCV motor glass • Own damage excess buyback • Theft/hijack excess reducer (excess applicable to the standard policy can be reduced to zero, conditional on the entire vehicle being stolen.) • Loss of use (a monetary amount can be insured for downtime of a heavy commercial vehicle over a specified period of time).

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MOTOR FLEET HIC Underwriting Managers (Pty) Ltd  Postal address (head office): PO Box 2253, Bedfordview, 2008  Website: www.hicsa.co.za  Phone (head office): +27 (0)11 455 5271  Fax (head office): +27 (0)11 455 4779  E-mail: info@hicsa.co.za  FSP number: 5072   Insurer/risk carrier/principal: Guardrisk (FSP 75)  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. 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 are developed and administered by a division which is dedicated to 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. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24 hour call centre backed up by our claims department • In-house claims settlement • Accident scene management • On-site legal services • Heavy commercial vehicles can be insured for either market or retail value.

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Cover includes: • Fire extinguishing charges • Locks and keys • Search and recovery costs • Third party liability • Towing charges including storage and release fees • Windscreen cover • Wreckage removal. Optional cover: • Credit shortfall • Deposit protector • Downtime/loss of use • Excess reducer: Own damage • Excess reducer: Theft and hijack • Excess reducer: Third party liability • Extended wreckage removal • Goods in transit • Towing and recovery costs for crossborder • Towing following mechanical, electrical or electronic breakdown • Riot and strike • Vehicle audio/video equipment, global positioning systems (GPS) and tracking devices • Windscreen.

MOTOR FLEET

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MOTOR FLEET 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 FSP number: 12118

Insurer/risk carrier/principal: Compass Insurance (FSP 12148) 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   FSP number: 17698 (Hollard) 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

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offered on a commercial 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 FSP number: 5069 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited

tailored for commercial motor fleets which can 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, but only on a selffunded programme with an aggregate excess and/or stop loss protection.

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 placements. Products are

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MOTOR – NICHE/SPECIAL REQUIREMENTS MOTOR – NICHE/SPECIAL REQUIREMENTS Inception Value Policy Postal address (head office): PO Box 412072, Craighall, JHB, 2024 Physical address (head office): Renasa House, 170 Oxford road, Melrose, Johannesburg. Website: www.ivp-uma.co.za Phone: +27 (0)11 380 3195 Fax: +27 (0)11 380 3080 E-mail: ivp-uma@renasa.co.za FSP number: 15491 Product information: Renasa’s IVP policy insures depreciation and has several other benefits for policyholders. The IVP Policy pays the difference between retail value at inception and retail value at date of loss, automatically includes credit shortfall cover for vehicles, available on financed and

non-financed vehicles, available on any age of vehicle, represents an increasing benefit as the vehicle depreciates, represents highly economic cover, available as additional cover to comprehensive policies issued by other South African insurers, will respond if the underlying comprehensive policy has responded. Benefits for intermediaries include: • IVP encourages retention as the benefits increase over time. • Premiums are determined by a dynamic rating engine already integrated to all major policy administration systems. • IVP represents an attractive cross selling opportunity.

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: LCVSure accommodates the small to mediumsized business whose primary requirement is to insure bakkies. The product includes free GIT and tools cover for each bakkie covered on the policy. We specialise in courier companies, small delivery contractors, tow trucks, building contractors and general purpose commercial

bakkies up to five tons. The policy can include office contents, business all risks, electronic equipment, additional GIT and tools. Bakkie hire is also available on the policy, as is excess buybacks. StayMobile is an add-on or stand-alone 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. The product can be added on to a domestic lines policy or commercial. Cover for 30 to 45 days depending on option taken.

X’S Sure Pty Ltd  Postal address (head office): PO Box 511565, Wierda Park, 0157   Website: www.xssure.co.za  Phone (head office): +27 (0)86 001 8140  E-mail: danny@xssure.co.za  FSP number: 21101  Insurer/risk carrier/principal: Guardrisk

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Insurance Company (FSP 75)   Product information: Value-added products company. Vehicle excess buy-down/waiver, tyre insurance, chips, dents and scratches, geyser insurance, ID theft insurance.

Specialist in agreed value motor insurance.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED Renasa Insurance Company Limited, IVP Division Contact Details: Tel (011) 380 3195 • Fax (011) 380 3080 Renasa House, 170 Oxford Road, Melrose, Johannesburg • P.O. Box 412072, Craighall 2024, Johannesburg ivp-uma@renasa.co.za • www.ivp-uma.co.za FSP License Number 15491

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MOTOR – SMALL AREA REPAIR/MOTOR THIRD PARTY LIABILITIES MOTOR – SMALL AREA REPAIR Small Area Repair Technologies Underwriting Managers (Pty) Ltd trading as Smart  Postal address (head office): PO Box 265458, Three Rivers, Vereeniging, 1935  Website: www.smartinsurance.co.za   Phone: +27 (0)16 454 2000  Fax: +27 (0)16 423 7032  E-mail: info@smartinsurance.coza    FSP number: 9861 Insurer/risk carrier/principal: Hollard Insurance (FSP 17698) 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 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 THIRD PARTY LIABILITIES 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   FSP number: 36501 Insurer/risk carrier/principal: Guardrisk Insurance Company Ltd (FSP 75)

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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 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, 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.

When driving is your passion...

...we know that sometimes itâ&#x20AC;&#x2122;s about the journey, sometimes the destination

Purring from city to city in a high-performance saloon, nursing a lovingly rebuilt classic along country roads, tackling a bone-jarring assault up a mountain pass, snaking around bends on a superbike... Whichever route our clients choose, the journey is always as important as the des na on. At EXECULINE we know nothing matches the exhilara on that comes with owning your dream wheels. The reason we provide specialist insurance for those who love them as much as we do. Executive I Essential

I 4x4 I

Classic

Motorbikes I Caravans I Racing

ALL BRANCHES: 0861 106 106 | www.execuline.co.za Execuline is an authorised Financial Services Provider | FSP Licence no. 5012 | Underwri en by Hollard, an authorised Financial Services Provider

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MOTOR TRADERS 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  FSP number: 5232 Product information: ATU specialises in commercial insurance risks associated with the motor trade industry and provides specialist and tailor-made cover solutions in this regard. 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: We are a one-stop shop for comprehensive business insurance for all classes of the motor trade. Individualised cover is provided for motor vehicle repairers and fitment centres, motor retailers and traders. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24 hour call centre backed up by our claims department • In-house claims settlement • On-site legal services. Cover available: • Business interruption • Computer equipment • Fidelity

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• Fire • Lifts and hoists • Money • Motor • Motor traders – internal risk • Motor traders – external risk • Public liability • Theft of motor vehicles in the open • Transit, delivery and convoy.

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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)21 413 1948  E-mail: maria@fasacc.co.za    FSP number: 9133 Insurer/risk carrier/principal: Hollard (FSP 17698) 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.

How will he look back at the decision you make right now? EnRoute offers affordable Personal Accident cover for EVERYONE who travels in a particular car. Your son, daughter, spouse, friends, employees, neighbours even your mother-in-law, in fact ANYONE travelling in the vehicle is covered. Road Accident Fund limits are low, difcult to access and take a long time to pay out. EnRoute offers immediate relief and is not subject to contribution. EnRoute also provides legal assistance with Road Accident Fund claims through member rshi ship p of of Road Road d Cover. Cover Cover e. membership

Act now, his future is in your hands!

0861 327 222 IN-CAR INSURANCE

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

an authorised financial services provider

MOTOR VEHICLE PERSONAL ACCIDENT COVER

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MOTOR WARRANTIES/MECHANICAL BREAKDOWN MOTOR WARRANTIES/MECHANICAL BREAKDOWN 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.

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 FSP license number: 9140. Product information: We offer products and services within the motor vehicle insurance

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industry, including the Options Formula range of motor vehicle, truck and motorcycle warranties; Options Motor Drive maintenance plans; Options Motorway service plans; and the Options range of value-added products.

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MOTOR WARRANTIES/MECHANICAL BREAKDOWN/NICHE DISABILITY Policy Provider Underwriting Managers  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  Insurer/risk carrier/principal: Hollard Insurance (FSP 17698) 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 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.

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)861 10 58 20  E-mail: sales@fmi.co.za   FSP number: 2717 Insurer/risk carrier/principal: Lombard Life Limited (FSP 11643) 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.

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NICHE GAP COVER NICHE GAP COVER Turtle Cover (Alternative Commercial Acceptances (Pty) Ltd) 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 FSP Number: 39835 Product information: Turtle Cover – Designed to ensure that you’re 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. Turtle 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

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 are available. 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.

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TEN FACTS ABOUT Photography ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

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The word ‘photography’ was coined in 1839 by British mathematician and astronomer Sir John Frederick William Herschel.

Fuji created the first digital camera in 1988. It offered consumers only 1.4 megapixels and cost around $10 000

The first auto-focus SLR camera was produced by Polaroid in 1979 and, in 1985, Minolta produced a camera that became the standard for SLR cameras.

All photographs were originally black and white, with the option of hand colouring which was a detailed and time-consuming process.

The Lumière brothers invented the first practical colour process in 1907.

The first portable and practical box camera was introduced by Kodak in 1988, made possible by the first flexible film created by George Eastman.

The most expensive camera in the world today was sold on auction in 2012, a vintage 1923 Leica camera which fetched 2.16 million Euros.

The most expensive photograph is entitled Rhein II by German artist Andreas Gursky, which sold for $4.3 million at a Christie’s auction in New York.

The first known war photographer was Hungarian-Romanian Carol Popp de Szathmàri who photographed officers and war scenes during the Crimean war in 1853 and 1854.

The largest collection of cameras in the world is held by Dilish Parekh of Mumbai, India. He has a collection of 4 425 antique cameras that he has been collecting since 1977.

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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. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, commercial crime, broker professional

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PERFORMANCE GUARANTEES PERFORMANCE GUARANTEES Firedart and Construction Guarantee Postal address (head office): PO Box 62660, Marshalltown, 2107 Website: www.fdcg.co.za Phone: +27 (0)11 833 1400 Fax: +27 (0)11 867 2816 E-mail: mike@fdcg.co.za FSP number: 40536 Insurer/risk carrier/principal: Compass Insurance (FSP 12148) 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,

One Commercial Securities t/a Refine  Postal address (head office): PostNet Suite 221, Private Bag X75, Bryanston, 2021  Website: www.one.za.com  Phone (head office): +27 (0)86 126 6562  Fax (head office): +27 (0)86 610 4889  E-mail: jean.o@one.za.com  FSP number: 20395  Insurer/risk carrier/principal: Absa Insurance Company Limited (FSP 8030) Product information: We offer the full suite of construction guarantee products (performance, retention, advance payment, bid bonds). Having Absa Insurance as Guarantor, our AAA credit rated (GCR) guarantee solutions and quality service will ensure client satisfaction.

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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 FSP number: 19867 Insurer/risk carrier/principal: Guardrisk (FSP 75) Product information: • Bid bonds (letter of intent) • Performance guarantees • Maintenance guarantees

Renasa Insurance Company Physical Address: 2nd Floor, Gateway Auto City, Jubilee Grove, Umhlanga Rocks Postal Address: PO Box 1423, Umhlanga Rocks, 4320 Website: www.renasa.co.za Phone: +27 (0)31 566 3337 Fax: +27 (0)31 566 4864 E-mail: guarantees@renasa.co.za FSP number: 15491 Product description: Renasa’s Guarantees Division has operated profitably since its establishment and enjoys overwhelming support from reinsurers enabling the writing of most guarantee risks in Renasa’s target market. Renasa offers a comprehensive suite of Guarantee Products. Renasa offers performance, retention, advance payment and bid bonds or guarantees to the construction industry and also customs bonds to the freight forwarding market. These guarantees enable Renasa’s insured clients to improve

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their cash flows and provide the necessary documents required to meet tender and other requirements. With the support of its treaty arrangements, Renasa is now able to offer capacity up to R20 million to select clients.

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) 566 3337 • Fax (031) 566 4864 2nd Floor, Gateway Auto City, Jubilee Grove, Umhlanga Rocks • P O Box 1423 Umhlanga Rocks 4320 guarantees@renasa.co.za • www.renasa.co.za Registration No. 1998/000916/06 • FSP License Number: 15491

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PERSONAL ACCIDENT 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   FSP number: 9133 Insurer/risk carrier/principal: Hollard (FSP 17698) 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. 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

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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).    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.

PERSONAL ACCIDENT

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 FSP number: 376 Insurer/risk carrier/principal: Compass Insurance (FSP 12148)

personal accident and group personal accident. We are able to customise cover for affinity groups or broker networks. In addition, we have available to brokers a solution for clients having expatriates working outside the borders of South Africa.

Product information: Health and Accident (Pty) Ltd has operated in the health and accident insurance market for the past 16 years. We design, develop and distribute health and accident products via the broker market. The products include but are not limited to: group life, funeral, medical aid gap cover, income protection, travel insurance,

Flexibility and innovation, matched with sound underwriting to each product, risk and benefit.  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.

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In addition to our flexible GPA products, talk to us about our innovative and varied individual personal accident covers.

 0861 FASA CC / 0861 3272 22  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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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

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.

Product information: Group personal accident/stated benefits: 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.

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.

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. HIV+ needlestick cover: Covering medical professionals for accidental HIV exposure treatment and a lump sum upon positive HIV conversion.

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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 and contingency insurance.

PERSONAL accident

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   FSP number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP 3416)

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Product information: Personal accident product: • Customised packages for specific clients’ needs

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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.

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PERSONAL lines PERSONAL lines 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

Hospitality lines: We are able to write hospitality business – lodges, hotels, game and hunting farms, guesthouses and related risks.

Product information: TURTLE Cover: ACA is a registered financial services provider with an underwriting arrangement with Western National Insurance Company Ltd.

Farming lines: We can provide a wide range of covers that will cater for the needs of commercial and bona fide farming entities.

Commercial lines: We write all general lines of short-term insurance, with preference to commercial business (small to medium industries). Insurance Zone Physical address (head office): 24 Concorde Road West, Bedfordview, Johannesburg, www.insurancezone.co.za Phone: +27 (0)11 601 8800 (JHB) +27 (0)41 582 1145 (PE) +27 (0)31 275 5006 (KZN) E-mail: kimb@insurancezone.co.za FSP number: 42879 Product description: Insurance Zone’s high net worth offering includes 10 per cent of contents sum insured automatically included on an assets all risk basis (no item limit), free VAR offered on all policies, jewellery/fine art insured on an agreed value basis, free accidental damage cover, free accidental damage cover for R200 000 content/ buildings, S&L automatically included, home office contents R150 000 automatically included.

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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.

Niche product: Turtle 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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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 Insurer/risk carrier/principal: Compass Insurance (FSP 12148) Product information: Ad Ultimum provides affordable, tailor-made products for individuals and/or groups. Commercial insurance: • 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.

• All risks 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. 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 shortterm 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 Internet-based insurance solution utilising browser technology. The solution facilitates access via both the Internet and the traditional digital data networks.

Personal short-term insurance: • All personal effects, tailor-made to individual needs 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   FSP number: 14183

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

PERSONAL LINES Antares Broker Support  Physical address (head office): 4 Malteser Road, Northriding, 2169   Website: www.antaresbrokersupport.co.za and www.antaresmultiquotes.co.za   Phone: +27 (0)83 267 6864  Fax: +27 (0)86 653 9493  E-mail: maurizio@antaresbrokersupport.co.za   FSP number: 23515   Product information: Antares Broker Support provides an Internet-based, multi-product quote platform to brokers for personal lines products at no charge to the broker. 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 simpleto-use, streamlined technology with the added ethos of aiming to be unmatched in both service and product delivery.

• R oad 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 firsttime 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 NCBs.

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)

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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    FSP number: 35916 Insurer/risk carrier/principal: Zurich Insurance Company South Africa Limited (FSP 17703) Product information: U•NIQUE Elite for high net worth clients – 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 CIB Insurance Administrators  Postal address (head office): Private Bag X1600, Bedfordview, 2008  Website: www.cib.co.za  Phone (head office): +27 (0)11 455 5101  Fax (head office): +27 (0)11 455 5202  E-mail: info@cib.co.za  FSP number: 8425  Insurer/risk carrier/principal: Centriq (FSP number: 3417)     Product information: Generalist personal and commercial with niche products in both categories – personal, high net worth individual, commercial, franchise, buildings, engineering, estate and agri.

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up to R250 000 for jewellery, photographic 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 Prosperity 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.

Committed to Client Success At Innovation Maven we are passionate about our clients and providing customised solutions that meet their specific business needs. Our business model is built upon traditional values with a key focus on making our clients’ businesses a success. Our range of innovative solutions include: • End-to-End processes for brokers encompassing a Domestic Comparative Quoting facility, Commercial facility, Policy Administration facility, Claims service, System, Premium Collection and Commission payments. • Compare Quote (CQ): A free system that allows brokers to get an average of 6 quotes simultaneously and provides them with the ability to accept and issue the policy on their side.

So, put us to the test and find out why some of SA’s leading Insurers, Brokers and UMA’s have decided to partner with us.

Innovation Maven (Pty) Ltd is an authorised Financial Services Provider Johannesburg: Innovation House, 192 Bram Fischer Drive, Randburg | Private Bag x99, Bryanston, 2021 T: +27 (0) 11 790 5570 | F: +27 (0) 11 790 5587 Cape Town: 6-8 High Street, 2nd Floor, Bellville | Post Net Suite 72, Private Bag X22, Tygervalley, 7536 T: +27 (0) 86 153 6736 | F: +27 (0) 21 914 7431 Durban: 72 Croftbury Drive, Eastbury, Phoenix | T: +27 (0) 31 539 4477 | M: +27 (0) 79 495 2506 E: info@imaven.co.za, www.innovationmaven.co.za

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PETS AND LEISURE HORSES Onepet Pet Insurance Postal address (head office): P.O. Box 652075,Benmore, 2010 Website: www.onepet.co.za Phone (head office): +27 (0)10 001 0141 E-mail: broker@onegrp.co.za FSP number: 31724 Insurer/risk carrier/principal: Absa Insurance Risk Management Services t/a AIRMS

Product information: From only R137 a month, Onepet Pet Insurance covers animals for veterinary visits, accident and illness related events, blood tests, X-rays and more. Your pets would save your life if they could, we are now giving pet owners the opportunity to do the same for them.

Petsure (Pty) Ltd (Hollard)  Postal address (head office): PO Box 87419, Houghton, 2041  Website: www.petsure.co.za  Phone: +27 (0)11 481 1900  Fax: +27 (0)11 484 6187   E-mail: info@petsure.co.za  FSP number: 9846  Insurer/risk carrier/principal: Hollard (FSP 17698) Product information: Petsure’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. 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 Council’s Guide to fees.

Pet Underwriting Managing Agency (Pty) Ltd (P.UMA) Physical address (head office): 14 Parry Road, Claremont, 7708 Phone: +27 (0)86 111 8765 Fax: +27 (0)86 505 6721 E-mail: info@p-uma.co.za FSP number: 9844 (FSP Warehouse CC) Insurer/risk carrier/principal: Renasa (FSP 15491) Product information: P.UMA is an underwriting manager of Renasa Insurance Company Limited and a specialist in medical insurance for pets (Registration No: 2011/107009/07, FSP number: 9844 - FSP Warehouse CC, Registration No: 2004/023852/07 – Operating as a juristic representative of FSP).

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Specialist in medical insurance for pets.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED (P.UMA) Pet Underwriting Managing Agency (Pty) Limited Contact Details: Tel: 0800 633 4738 • Fax: (021) 701 2027 14 Parry Road, Claremont 7708 info@p-uma.co.za Registration No. 2011/107009/07 • FSP License Number: 9844

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PHOTOGRAPHIC EQUIPMENT/PLASTIC RISKS PHOTOGRAPHIC EQUIPMENT Artinsure Underwriting Managers (Pty) Ltd Postal address (head office): PostNet Suite 243, Private Bag X30500, Houghton, 2041  Website: www.artinsure.co.za  Phone (head office): +27 (0)86 111 1096  Fax (head office): +27 (0)86 678 0333  E-mail: info@artinsure.co.za  FSP number: 36954  Insurer/risk carrier/principal: Hollard (FSP 17698)

rarely offer comprehensive coverage due to the specialist nature of photographic equipment, with over 50 per cent of claims falling outside the bounds of basic all risks offerings. Artinsure Photographer offers peace of mind for everyone from photographic enthusiasts to professional photographers and videographers, with wide-ranging, tailormade policies specifically designed to protect your most valuable assets.

Product information: Artinsure Photographer is a specialised insurance offering for professional photographers, videographers and photographic enthusiasts, providing bespoke comprehensive policies designed to meet your unique needs. Standard insurance policies

PLASTIC RISKS Factory and Industrial Physical address (head office): 3 River Road, Bedfordview, 2008 Website: www.facind.co.za Phone: +27 (0)861 322 463, +27 (0)11 615 1640 (JHB), +27 (0)33 394 3690 (PMB), +27 (0)31 584 7720 (DBN), +27 (0)21 531 7943, +27 (0)72 508 6881 (PTA). E-mail: info@facind.co.za Product Information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance

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and risk solutions for the commercial, manufacturing and hospitality sectors. We place emphasis on our clients’ compliance with statutory and regulatory legislation. Our experienced personnel provide professional risk assessment and tailored risk management services for the protection of intermediaries’ interests and clients’ businesses. Our F&I risk management team attempts to ensure that compliance and risk management issues are identified and dealt with before an event thereby avoiding claim pitfalls.

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

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. For further resources, join our Facebook group: Camargue Underwriting Managers or view our website.

Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, 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, and cyber liability. Each Camargue policy includes value-added 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   FSP number: 36501 Insurer/risk carrier/principal: Guardrisk Insurance Company Ltd (FSP 75) 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, contractors’ 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.

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 FSP number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP 3416)

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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. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, commercial crime, broker professional

Etana Insurance  Physical address (head office): Etana House, 22 Oxford Road, Parktown, 2193  Website: www.etana.co.za  Phone: +27 (0)11 351 2574  E-mail: nickys@etana.co.za   FSP number: 16401 Product information: Etana’s range of professional indemnity products provides

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.

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   FSP number: 3664 Product information: GPLA underwrites on behalf of Lloyd’s of London and provides cover to medical practitioners, allied healthcare practitioners and healthcare organisations.

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NEW CAMARGUE. AGE–OLD TRUTH. The thing about opportunity is that it has the ability to bring about change while at the same time reminding us of what remains steadfast. We are proud to announce the establishment of The Camargue Group, which has given rise to new vision, new purpose, and a new brand - never to lose sight of the universal truth that knowledge has the power to change the world. Today and tomorrow, Camargue will be the pioneering experts in Specialised Liability Management.

THE POWER OF KNOWLEDGE AUTHORISED FINANCIAL SERVICES PROVIDER, LICENSE NUMBER: 6344. APPROVED LLOYD’S COVERHOLDER PIN: 107824DRW Camargue Underwriting Managers (Pty) Ltd. Co. Reg. No. 2000/028098/07. DIRECTORS: M G Marescia (Managing), P Downham, V Hayter, A Mullins 33 Glenhove Road, Melrose Estate, Rosebank, 2196, Johannesburg. Postnet Suite 250, Private Bag X4, Bedfordview 2008, Johannesburg Telephone: 011 778 9140, Facsimile: 011 778 9199, E-mail: camargue@camargueum.co.za, Website: www.camargueum.co.za

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PROFESSIONAL INDEMNITY INSURANCE Hollard Liability Specialists 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   FSP number: 17698 (Hollard Insurance) 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 & Associates (Pty) Ltd Postal Address: PO Box 2730, Houghton, 2041 Website: www.leppard.co.za Phone (Head Office): +27 (0) 11 459 1640 Fax (Head Office): +27 (0) 11 268 5887 Email: simon@leppard.co.za FSP Number: 274 Insurer/risk carrier/principal: Lloyd’s of London and Lombard Insurance Company Limited (FSP 1596) Product information: Leppard Underwriting’s core business includes professional indemnity and broad-form specialised liability insurance. Leppard underwrites on behalf of Lombard

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Insurance Company Limited. This includes attorneys, built environment professionals (architects, consulting engineers, design and construct, land surveyors, quantity surveyors, project managers, other built environment professionals), chartered accountants, estate agents, freight forwarders, information technology, insurance brokers, underwriting managers and miscellaneous PI.

FSP NO IS 274

Protecting your

reputation PROFESSIONAL INDEMNITY ATTORNEYS BUILT ENVIRONMENT PROFESSIONALS: ARCHITECTS CONSULTING ENGINEERS DESIGN AND CONSTRUCT LAND SURVEYORS QUANTITY SURVEYORS PROJECT MANAGERS CHARTERED ACCOUNTANTS – (CAPIM AND OTHERS) ESTATE AGENTS FREIGHT FORWARDERS COMPUTER INDUSTRY INSURANCE BROKERS UNDERWRITING MANAGERS LIABILITY INSURANCE GENERAL PUBLIC LIABILITY BROADFORM LIABILITY PRODUCTS LIABILITY EVENTS LIABILITY EXCESS LAYERS AND UMBRELLA COVERS AGRICHEM LIABILITY MOTOR FLEET THIRD PARTY LIABILITY PERSONAL LIABILITY TOP-UP (XOL AND UMBRELLA) COMMERCIAL LIABILITY TOP-UP WAREHOUSEMEN’S AND CARRIERS’ LIABILITY

TELEPHONE: +27 11 459 1640 Professional Indemnity Stuart Sinclair stuart@leppard.co.za

FACSIMILE: +27 11 268 5887 Liability Insurance Caroline MacNair caroline@leppard.co.za

WWW.LEPPARD.CO.ZA Accountants (CAPIM) Sherelle Horsfield sherelle@leppard.co.za

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PROFESSIONAL INDEMNITY INSURANCE 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   FSP number: 36501 Insurer/risk carrier/principal: Guardrisk Insurance Company Ltd (FSP 75) Product information: Network is a specialist liability and professional indemnity

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Insurance (FSP 1027)  Product information: • annual cover for all professionals operating in the built environment • contractors design and construct/turnkey and EPCM policies/ foundation failure indemnity • single projects including consequential loss.

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 Shackleton Risk Management  Postal address (head office): PO Box 393, Strathavon, 2031  Website: www.shackletonrisk.co.za  Phone (head office): +27 (0)11 784 5373  Fax (head office): +27 (0)86 611 3226  E-mail: michael@srisk.co.za  FSP number: 33621  Insurer/risk carrier/principal: Safire (FSP 2092)  Product information: Shackleton Risk Management specialises in professional indemnity, fidelity guarantee and misappropriation of trust fund insurance cover for attorneys, liquidators, engineers, and business rescue practitioners. As a brokerage or an underwriting management agent (UMA), we remain committed to obtaining the most competitive rates in the market.

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PROFESSIONAL INDEMNITY – SINGLE PROJECT/RENEWABLE ENERGY PROFESSIONAL INDEMNITY – SINGLE PROJECT 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: geraghtyd@sha.co.za FSP number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP 3416) Product information: We provide long-term non-cancellable project professional indemnity insurance for legal liabilities arising out of the errors or omissions in their professional duties for contractors, engineers, surveyors, consultants and other related professions employed on construction projects.

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The period of insurance can take into account pre feasibility including early design work and geotechnical work prior to the start of construction for a maximum period of 36 months, the construction period as well as the maintenance and discovery period following final completion of the contract. The main features of the cover are: • The employer, contractor including sub contractors and professional consultants are joint insureds • The cover includes first party liability • Failure of supervision is covered • Worldwide jurisdiction excluding North America.

RENEWABLE ENERGY RENEWABLE ENERGY C&G Underwriting Managers Pty (Ltd) Postal address (head office): 1st Floor Stonefountain Terrace, 95 Klipfontein Road, Rondebosch, Cape Town, 7700  Website: http://www.engineeringunderwriters. co.za  Phone (head office): +27 (0)87 985 2144  Fax (head office): +27 (0)21 685 5270  E-mail: miker@coim.co.za  FSP number: 30114  Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP 75)  Product information: GCube and C&G have established an exclusive underwriting partnership for renewable energy insurance solutions that are tailored for the Southern African market. This partnership will offer a total available capacity of R4 billion, making it the largest collaboration of its kind for renewable energy insurance in the world.

This brings together GCube’s proven global skills and knowledge with C&G’s Southern African expertise and resources. • • • • • • • • • •

Cargo – stock throughput Inland and marine transit Marine delay in start-up Construction all risks Advance loss of profits Operational all risks Mechanical and electrical breakdown Business interruption Third-party liability Employer’s liability.

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P-R

TEN FACTS ABOUT Specie insurance ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

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Specie insurance usually covers high value commodities such as gold, precious metals and precious stones, cash, fine art, collectibles and jewellery.

Clients usually include museums and galleries, banks and financial institutions, cash handlers, security companies, private and corporate art collectors and mining companies.

Five days before the kick-off of the 2010 FIFA World Cup, R11 million was stolen from a Nedbank depot in Midrand.

One of the most notorious bank robbers in South African history was Andre Stander who robbed nearly 30 banks in the 1970s and early 80s, by himself and later as the head of the Stander Gang.

To date, one of the most popular ways for investors and individuals to own gold is in the form of gold coins such as the South African Krugerrand.

The Krugerrand was first minted in 1967 to help market South African gold and, by 1980, accounted for 90 per cent of the global gold coin market.

Between 1974 and 1985, it is estimated that 22 million gold Krugerrand coins were exported to the United States alone.

The term â&#x20AC;&#x2DC;Krugerrandâ&#x20AC;&#x2122; is a registered trademark owned by Rand Refinery Limited, Germiston.

Current legislation prohibits South African citizens from owning gold in an unwrought form; however, in addition to gold coins, gold can also be purchased in minted or cast bars.

In 2012, the biggest privately owned pink diamond, the 12.04 carat Martian Pink, was sold on auction for over $17 million.

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SCHOOLS SCHOOLS HIC Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2253, Bedfordview, 2008  Website: www.hicsa.co.za  Phone (head office): +27 (0)11 455 5271  Fax (head office): +27 (0)11 455 4779  E-mail: info@hicsa.co.za  FSP number: 5072   Insurer/risk carrier/principal: Guardrisk (FSP 75)

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.

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: We are specialists in providing cover for the education industry. Our product caters for a wide variety of cover specifically suited to schools. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates

• 24/7/365 claims support - 24 hour call centre backed up by our claims department • In-house claims settlement • On-site legal services. Cover available: • Buildings • Computer equipment • Contents • Emergency response • Glass • Management liability • Motor • Personal accident • Teacher liability • Theft.

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SECTIONAL TITLE

SECTIONAL TITLE 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 FSP number: 13890 Insurer/risk carrier/principal: Compass Insurance (FSP 12148)   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 • 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; e-mail: pe@cia.co.za

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Sectional title/security liability Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, 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-it-done service delivery are backed by Etana’s 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: • 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 – meaning 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 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 broad-form option), motor and personal accident, and sectional title policy catering for the specific needs of these risks. Our claims 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.

SECURITY LIABILITY Quantum Liability Underwriters (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   FSP number: 35345 (Polygon Underwriting Agency) Insurer/risk carrier/principal: Resolution Insurance Company Ltd (FSP 43638)

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Product information: specialist multisecurity liability – inclusions: • general • pollution • products • security liability • professional indemnity • custody and control • firearms • fidelity risks. extensions: • cash in transit. Quantum Liability Underwriters provides security liability insurance cover, designed specifically for the security industry.

Security liability/self-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 FSP number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP 3416)

SELF-INSURANCE CBC Fleet Insurance Solutions (Pty) Ltd  Postal address (head office): PO Box 654, Bedfordview, 2008  Website: www.captive.co.za  Phone (head office): +27 (0)11 615 3640  Fax (head office): +27 (0)11 615 3678  E-mail: chris@captive.co.za  FSP number: 9359  Insurer/risk carrier/principal: Guardrisk Insurance Company Ltd (FSP 75)  Product information: 100 per cent retained fund programmes.

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

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Etana is an Authorised Financial Service Provider

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SELF-insurance/SPECIALISED DOMESTIC 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 offers a tailormade product for the self-insurance of larger motor fleets in Southern Africa. IUM has had many years’ experience in structuring selfinsurance solutions for clients which cover predominantly motor risks, but which can be extended to include goods in transit cover and fuel guarantees where required. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre.

• In-house claims settlement • Accident scene management • On-site legal services. Cover 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.

Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24 hour call centre backed up by our claims department

SPECIALISED DOMESTIC INSURANCE 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: TURTLE Cover: 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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www.globecreative.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 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    FSP number: 35916 Insurer/risk carrier/principal: Zurich Insurance Company South Africa Limited (FSP 17703) Product information: U•NIQUE Elite for high net worth – A specifically designed, tailormade 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

Echelon Private Client Solutions Postal address: 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    FSP number: 40613 Insurer/risk carrier/principal: Santam (FSP 3416)

to meet the needs of professionals, business owners and executives in formal employment. We partner with selected intermediaries 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 Santam’s excellent reputation and Fitch AA rating.

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

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

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SPECIALISED DOMESTIC INSURANCE 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 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   FSP number: 37947 Insurer/risk carrier/principal: Compass Insurance Company Ltd (FSP 12148)   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)31 764 7593; fax: +27 (0)31 764 7584 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 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

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.

Product information: Zenith – 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

The business policy – commercial cover for small businesses, professional practices and entrepreneurs.

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SPECIALISED HIGH-VALUE EXECUTIVE MOTOR VEHICLES 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   FSP number: 35916 Insurer/risk carrier/principal: Zurich Insurance Company South Africa Limited (FSP 17703) Product information: The U.NIQUE Executive 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 standalone 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)861 106 106; international: +27 (0)11 663 0500     E-mail: debbieg@execuline.co.za   FSP number: 5012 Insurer/risk carrier/principal: Hollard (FSP 17698) 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 risks 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 • No excess for over 55s insured, spouse or life partner.

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 FSP number: 37947 Insurer/risk carrier/principal: Compass Insurance Company Ltd (FSP 12148)   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. MUA’s comprehensive motor insurance cover offers enhanced features not available to holders of ordinary insurance policies: • Motor total loss and theft claims are

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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;



When driving is your passion...

...we know that sometimes itâ&#x20AC;&#x2122;s about the journey, sometimes the destination

I 4x4 I

Classic

Motorbikes I Caravans I Racing

ALL BRANCHES: 0861 106 106 | www.execuline.co.za Execuline is an authorised Financial Services Provider | FSP Licence no. 5012 | Underwri en by Hollard, an authorised Financial Services Provider

SPECIALISED HIGH-VALUE EXECUTIVE MOTOR VEHICLES fax: + 27 (0)21 525 6300 Durban – phone: +27 (0)31 764 7593; fax: +27 (0)31 764 7584 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). Vantage Insurance Website: www.vantageinsurance.co.za Phone: +27 (0)21 701 7569 Fax: +27 (0)21 701 1629 E-mail: info@vantageinsurance.co.za FSP number: 40821 Insurer/risk carrier/principal: Infiniti Insurance (FSP 35914) 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 R10 million 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

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• Agreed value for classic cars • Treasured remains cover available • Top-up cover available • Nil excess if approved tracking device fitted • Discounts for limited mileage provided. Exclusions: 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, un-roadworthy, not used in accordance with factory specifications • Not complying with any road traffic ordinance.

SPECIALISED INSURANCE FOR BUILDINGS 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 FSP number: 13890 Insurer/risk carrier/principal: Compass Insurance (FSP 12148)   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 risks cover and automatically includes subsidence and landslip 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.

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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, Fairland, 2030  Website: www.ccic.co.za  Phone: +27 (0)11 215 8800  Fax: +27(0)11 476 8205  E-mail: mail@ccic.co.za   FSP number: 39547 Insurer/risk carrier/principal: Renasa Insurance Company Limited (FSP 15491) 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 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.

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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 other outdoor equipment on a far wider basis than 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.

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 Registration number: 2008/013847/07 â&#x20AC;˘ FSP License Number: 39547

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SPECIALISED INSURANCE FOR 4X4 OWNERS/SPECIALISED OUTDOOR INSURANCE Execuline Motor Underwriting Managers Postal address (head office): PO Box 2926, Bedfordview, 2008  Website: www.execuline.co.za Phone: +27 (08)61 106 106; international: +27 (0)11 663 0500 E-mail: debbieg@execuline.co.za FSP number: 5012 Insurer/risk carrier/principal: Hollard (FSP 17698) Product information: Our Pioneer product 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 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 • Roadside assistance automatically included within RSA borders • Protection and removal assistance outside the borders of RSA • Mechanical or electrical breakdown to winching equipment up to R15 000 • Emergency medical expenses, emergency medical repatriation and emergency medical evacuation included up to R5 000 000 per motor vehicle • SASRIA cover included • Territorial limits include Republic of South Africa, Angola, Botswana, Kenya, Lesotho, Mozambique, Malawi, Namibia, Swaziland, Tanzania, Uganda, Zambia and Zimbabwe; repatriation cover provided • MVI (motor vehicle inspection) at no cost • No excess for over 55s insured, spouse or life partner.

SPECIALISED OUTDOOR INSURANCE HIC Underwriting Managers (Pty) Ltd  Postal address (head office): P O Box 2253, Bedfordview, 2008  Website: www.hicsa.co.za  Phone (head office): +27 (0)11 455 5271  Fax (head office): +27 (0)11 455 5072   E-mail: info@hicsa.co.za  FSP number: 5072   Insurer/risk carrier/principal: Guardrisk (FSP 75) Product information: HIC offers comprehensive cover for damage to grassed sporting facilities, golf courses, bowling

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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).

SPECIALISED SMALL COMMERCIAL BUSINESS 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    FSP number: 40752

• 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.

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

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.

CAPE TOWN Tel: 021 919 9080 Fax: 021 919 4396

DURBAN Tel: 031 562 0155 Fax: 031 562 0520

EAST LONDON Tel: 043 735 1681 Fax: 043 735 2080

JOHANNESBURG Tel: 011 326 3993 Fax: 011 326 0575

making a difference by being different www.frontlineinsurance.co.za ADVERT.indd 2

KROONSTAD Tel: 056 213 4991 Fax: 056 213 4606

PORT ELIZABETH Tel: 041 373 0445 Fax: 041 373 0419 Authorised Financial Service Provider - FSP No 40752 2012/10/18 9:03 AM

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SPECIE INSURANCE SPECIE INSURANCE 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   FSP number: 35345 Insurer/risk carrier/principal: Resolution Insurance Company Limited (FSP 43638) 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.

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Extensions: • Fidelity risk cover • Cover for safes • Device cover.    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 value commodities and cash in transit and coverage for static risks.

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2012/10/25 SURETY

Surety

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 FSP number: 19867 Insurer/risk carrier/principal: Guardrisk (FSP 75) Product information: • Bid bonds (letter of intent) • Performance guarantees • Maintenance guarantees C • Retention guarantees M • Advance payment guarantees • Supplier surety (construction industry only) Y • Customs and excise (freight forwarding) CM • Foreign currency guarantees (performance guarantees in respect of contracts on the MY African continent including Indian Ocean CY islands) CMY • Contract guarantees K • Fuel guarantees for selected civil construction companies • Alternative risk transfer products.

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9:36 AM

TEN FACTS ABOUT Travel insurance ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ ABCDEFGHIJKLMNOPQRSTUVWXYZ

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The US Travel Insurance Association estimates that 17 per cent of people (one out of six) who buy travel insurance file a claim.

In 2010, more than 29 million pieces of luggage were lost, delayed or damaged at the worldâ&#x20AC;&#x2122;s airports.

An insurer may deny a traveller coverage under certain circumstances, for instance if the traveller is not in good health at the time of purchasing the policy.

Dangerous or extreme activities, such as parachuting, rock climbing, skydiving, motor sport and hang-gliding, are traditionally not covered by travel insurance.

Medical evacuation from the United States to Australia can routinely cost in the region of $100 000.

The cost of a medical evacuation is dependent on the distance travelled and whether the traveller requires a nurse or doctor to escort them.

Travel insurance may specifically exclude damages as a result of terrorist incidents, natural disasters and/or illegal activities such as substance abuse.

More than 6 000 British citizens were detained or arrested abroad in 2009 â&#x20AC;&#x201C; 2010.

One of the most frequent claims is for lost or stolen passports and debit or credit cards.

In 2012, a British tourist was attacked by two supposedly tame cheetahs at a private game reserve near Port Elizabeth.

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TAX INSURANCE TAX INSURANCE Qdos Underwriting Managers (Pty) Ltd  Postal address (head office): PO Box 788, Cape Town, 8000  Website: www.qdostax.o.za  Phone (head office): +27 (0)86 073 6772  Fax (head office): +27 (0)86 677 5622  E-mail: enquiries@qdostax.co.za  FSP number: 30071  Insurer/risk carrier/principal: Hollard Insurance Company (FSP 17698)  Product information: A tax enquiry by SARS is no longer something that happens to other people. The taxman’s skills are sharper and the net is wider than ever and even the most meticulous and honest individuals and companies can be the subject of an enquiry by SARS, something that can cost you thousands in unplanned fees from auditors and other specialists. Qdos Tax Enquiry Insurance covers the professional fees of accountants and tax specialists in the event of an enquiry by SARS. These include disputes and enquiries into income tax, VAT, PAYE and capital gains tax. 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. Some of our products include: directors’ and officers’ liability, employment practice liability, pension fund trustee liability, general liability, commercial crime, broker professional

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TAX INSURANCE/TAXI INSURANCE Tax Radar Underwriting Managers (Pty) Ltd  Postal address (head office): Suite 356, PostNet X033, Rivonia, 2128  Website: www.tax-radar.com  Phone (head office): Corinne de Villiers – + 27 (0) 79 883 7416; Paul Jones – +27 (0)82 880 4856 E-mail: tax@tax-radar.com  FSP number: 42522  Insurer/risk carrier/principal: Infiniti Limited (FSP 35914) Product information: Tax insurance aimed at businesses, individuals and trusts. Legal defence and accounting cover is purchased,

which enables the client to engage top professionals to act on their behalf should SARS audit them and then following the audit, a dispute arises. Changes in legislation, including the Tax Administration Act, have highlighted the significance of managing business risks. The existence of effective internal controls, good corporate governance and qualified advisers are forms of risk mitigation, however, insuring these risks are at times the only real protection. No matter how proficient your accounting and IT functions, they are unlikely to ensure 100 per cent compliance.

TAXI INSURANCE Clarendon Transport Underwriting Managers (Pty) Ltd  Postal address (head office): PO Box 84216, Greenside, 2034  Website: www.ctu.co.za  Phone (head office): +27 (0)11 274 1300  Fax (head office): +27 (0)11 486 2200  E-mail: info@ctu.co.za  Contact persons: Louis Fivaz Snr – Managing director; e-mail: louisf@ctu.co.za Zane Hassim – Marketing manager; e-mail: zaneh@ctu.co.za FSP number: 5010  Insurer/risk carrier/principal: Hollard Insurance Company Ltd (FSP 17698)  Product information: CTU celebrates more than 20 years of taxi insurance excellence and has paid out more than R1 billion in benefits. CTU is focused on meeting the needs of the taxi industry, as well as being flexible enough to adapt its services and products, in response to the changing demands, by consistently providing good service, backed by stability, expertise and excellent understanding of the taxi industry. CTU currently insures

more than 80 000 taxis nationally. This has been achieved via our extensive network of short-term insurance brokers, together with our dedicated staff who are 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 efficiency. CTU provides the peace of mind in that you are covered by a company with more than 20 years of experience, expertise, excellence and is the leading provider of taxi insurance. Covers available: Full comprehensive cover – six options/schemes available. Extensions: • Personal accident – covers both the driver and passengers • passenger liability • loss of use cover • credit shortfall • abscondence, violation and credit shortfall • deposit protector • cash back facility • excess reducer • 50/50 (unique to the taxi industry).

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Leaders in Taxi Insurance Your peace of mind is our business Since 1991 248

CTU celebrates more than 20 years of taxi insurance excellence and has paid out more than R 1 billion in benefits. CTU is focused on meeting the needs of the taxi industry, as well as being flexible enough to adapt its services and products, in response to the changing demands, by consistently providing good service, backed by stability, expertise and excellent understanding of the taxi industry. CTU currently insures more than 80 000 taxis nationally. This has been achieved via our extensive network of short-term insurance brokers, together with our dedicated staff who are experienced in matters relating to the operations of the taxi industry. CTU understands the absolute imperative of expedient claims settlement and as part our enhanced service delivery, we conduct continuous training to maximize efficiency. CTU provides the peace of mind in that you are covered by a company with more than 20 years of experience, expertise, excellence and is the leading provider of taxi insurance. Rest assured YOU ARE COVERED IN OUR HANDS!

Covers Available: Full Comprehensive Cover 6 options/schemes available

Extensions Available: • • • • • • • • •

Personal Accident : Covers both the driver and passengers Passenger Liability Loss of Use Cover Credit Shortfall Abscondence, Violation and Credit Shortfall Deposit Protector Cash back facility Excess Reducer 50/50 (Unique to the taxi industry)

Clarendon Transport Underwriting Managers (Pty) Ltd Physical Address: Village Green Shopping Centre, First Floor 127 Green Way, Greenside, Johannesburg Phone: +27 (0) 11 274 1300 | Fax: +27 (0) 11 486 2200 | Website: www.ctu.co.za Reg. No. 88/04921/07 an Authorised Financial Service Provider License Number 5010 Underwritten by the Hollard Insurance Company

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TAXI INSURANCE Renasa Taxi Underwriters (Pty) Ltd Website: www.taxiinsure.co.za Phone: +27 (0)11 886 3200 Fax: +27 (0)11 886 7303 E-mail: jonathan@selkirk.co.za, rtu@taxiinsure.co.za FSP number: 39312 Renasa Insurance Company Limited Product information: The taxi industry in SA is both complex and demanding, so RTU’s combination of innovative covers and excellent service backed by a web-based management

system offers brokers specialising in this niche area an excellent product supported by outstanding systems and efficient delivery. Being totally dedicated to the taxi industry, RTU offers some truly unique products including free personal accident and passenger liability covers (up to a pre-determined limit), a no claims cash rebate, hire purchase cover, free accident roadside assistance, and several others including road cover service which manages Road Accident Fund claims at no additional charge.

Vulindlela Underwriting Managers (Pty) Ltd  Postal address (head office): PO Box 29252, Maytime, 3640  Website: www.vum.co.za  Phone (head office): +27 (0)31 818 0391  Fax (head office): +27 (0)86 693 0192  E-mail: info@vum.co.za  FSP number: 33799  Insurer/risk carrier/principal: Santam (FSP 3416)   Product information: Comprehensive cover for all types of taxis: minibus, midibus,

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metered, sedan and shuttle services. VUM also offers a wide range of online tools for quoting and policy activations. Optional cover extensions include passenger liability, personal accident, fixed expenses, audio visual equipment and the total loss protector. The Zuzimali Cashback benefit is automatically included and pays out 10 per cent of premium paid by the client after a no-claim period of 24 months.

Specialist in taxi insurance.

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED Renasa Taxi Underwriters (Pty) Limited Contact Details: Tel (011) 886 3200 • Fax (011) 886 7303 jonathan@selkirk.co.za • r tu@taxiinsure.co.za www.taxiinsure.co.za Registration No. 2007/018318 • FSP License Number: 39312

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THATCH RISK THATCH RISK Etana Insurance Physical address (head office): 100 on Armstrong, La Lucia Ridge, Umhlanga Website: www.etana.co.za Phone: +27 (0)31 566 4787 E-mail: daviP@etana.co.za Product information: Etana Hospitality and Tourism provide holistic, innovative insurance and risk management solutions to address the specific needs of the tourism industry. Our expert team has specialised in hospitality insurance for many years, and has developed a range of products to suit the specialist needs of

tourism businesses, these include: urban hotels; boutique hotels, safari Lodges; tented camps; golf and wildlife estates; conference centres and B&Bs/guesthouses. A key product offering is cover for properties constructed using non-standard building materials such as thatch, canvas and wood. Etana policies have their base in Multimark, but have been carefully adapted in order to address the unique requirements and challenges faced by the hospitality and tourism industry.

Factory and Industrial Physical address (head office): 3 River Road, Bedfordview, 2008 Website: www.facind.co.za Phone: +27 (0)861 322 463, +27 (0)11 615 1640 (JHB), +27 (0)33 394 3690 (PMB), +27 (0)31 584 7720 (DBN), +27 (0)21 531 7943, +27 (0)72 508 6881 (PTA). E-mail: info@facind.co.za Product Information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance and risk

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solutions for the commercial, manufacturing and hospitality sectors. We place emphasis on our clientsâ&#x20AC;&#x2122; compliance with statutory and regulatory legislation. Our experienced personnel provide professional risk assessment and tailored risk management services for the protection of intermediariesâ&#x20AC;&#x2122; interests and clientsâ&#x20AC;&#x2122; businesses. Our F&I risk management team attempts to ensure that compliance and risk management issues are identified and dealt with before an event thereby avoiding claim pitfalls.

THATCH RISK HIC Underwriting Managers (Pty) Ltd  Postal address (head office): PO Box 2253, Bedfordview, 2008  Website: www.hicsa.co.za  Phone (head office): +27 (0)11 455 5271  Fax (head office): +27 (0)11 455 4779  E-mail: info@hicsa.co.za  FSP number: 5072

Insurer/risk carrier/principal: Guardrisk (FSP 75) Product information: We specialise in commercial thatch. HIC surveys every risk prior to inception and makes risk management a top priority.

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 FSP number: 2317  Insurer/risk carrier/principal: Compass Insurance (FSP 12148) 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 14 years. We give personalised service with knowledgeable and friendly staff, 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.

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TOURISM INSURANCE TOURISM INSURANCE Ascent Underwriting Managers (Pty) Ltd  Postal address (head office): P O Box 2316, Rivonia, 2128  Website: www.ascentsure.co.za  Phone (head office): +27 (0)861 286 264  Fax (head office): +27 (0)86 633 4311  E-mail: info@ascentsure.co.za  FSP number: 35519  Insurer/risk carrier/principal: Infiniti Insurance

(FSP 35914)   Product information: Tourinsure Policy – Specialised and innovative product range designed to provide comprehensive cover to the tourism industry (tour operator, travel broker, travel agent).

Etana Insurance Physical address (head office): 100 on Armstrong, La Lucia Ridge, Umhlanga Website: www.etana.co.za Phone: +27(0)31 566 4787 E-mail: davip@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 HIC Underwriting Managers (Pty) Ltd  Postal address (head office): PO Box 2253, Bedfordview, 2008  Website: www.hicsa.co.za  Phone (head office): +27 (0)11 455 5271  Fax (head office): +27 (0)11 455 5072   E-mail: info@hicsa.co.za  FSP number: 5072   Insurer/risk carrier/principal: Guardrisk (FSP 75)   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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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.

TOURISM 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: Tourism insurance is one of our specialised areas. Our product allows for a wide variety of cover specifically tailored for the tourism industry. Included in the list of products is a comprehensive range providing cover to hotels, lodges, game farms, resorts, golf estates and clubs. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre.

claims support - 24 hour call centre backed up by our claims department • In-house claims settlement • On-site legal services. Cover available: • Fire and buildings combined • Buildings and contents • Business interruption • Public liability • Perishable food and beverages • Landscaping, signage and canopies • Leisure sporting facilities • Office contents • Watercraft and Motor.

Policy benefits and services: • Competitive rates • 24/7/365

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TRADE CREDIT/Travel INSurance TRADE CREDIT Coface South Africa Insurance Company Ltd Website: www.cofaceza.com Phone: +27 (0)11 208 2500 Fax: +27 (0)11 208 2600 E-mail: info@cofaceza.com FSP number: 44160 Product information: Coface’s mission is to facilitate global business-to-business trade through credit insurance.

TRAVEL INSURANCE Oojah Travel Protection (Pty) Ltd (Hollard)  Postal address (head office): PO Box 41641, Moreletapark, 0044  Website: www.hollard.co.za (insurance partners) Phone: +27 (0)12 482 6706  Fax: +27 (0)86 643 4436  E-mail: travelinsurance@oojahtravel.co.za    FSP number: 42928 Insurer/risk carrier/principal: Hollard (17698) Product information: Oojah is your traveller’s passport to hassle-free protection. We offer the following products: • 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)

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• 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 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 FSP number: 15592 Insurer/risk carrier/principal: Santam (FSP 3416) 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. TIC’s products include the following risk classes: • Emergency medical expenses • Worldwide 24-hour emergency assistance • Journey cancellation and curtailment cover • Repatriation and evacuation • Personal accident and permanent disability • Loss of luggage, documents and cash while travelling • Hijack, hostage and wrongful arrest • Travel supplier insolvency.

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TRUCK (HEAVY COMMERCIAL VEHICLE) 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 are developed and administered by a division which is dedicated to 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. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support - 24 hour call centre backed up by our claims department • In-house claims settlement • Accident scene management • On-site legal services • Heavy commercial vehicles can be insured for either market or retail value Cover includes: • Fire extinguishing charges • Locks and keys • Search and recovery costs • Third party liability • Towing charges including storage and release fees • Windscreen cover • Wreckage removal Optional cover: • Credit shortfall • Deposit protector • Downtime/loss of use • Excess reducer: Own damage • Excess reducer: Theft and hijack

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• Excess reducer: Third party liability • Extended wreckage removal • Goods in transit • Towing and recovery costs for cross-border • Towing following mechanical, electrical or electronic breakdown • Riot and strike • Vehicle audio/video equipment, global positioning systems (GPS) and tracking devices • Windscreen.

TRUCK (HEAVY COMMERCIAL VEHICLE) Pan African Underwriting Managers (Pty) Ltd  Postal address (head office): PO Box 85460, Emmarentia, 2029  Website: www.pafricanu.com  Phone (head office): +27 (0)11 486 0290  Fax (head office): +27 (0)11 486 0295  E-mail: info@pafricanu.com  FSP number: 43875  Insurer/risk carrier/principal: Regent Insurance Company Limited (FSP 25511) Product information: Pan African Underwriting Managers (PAU) is an

engineering-insurance underwriting agency associated with Regent Commercial Vehicles (RCV). PAU is a team of experienced engineers with all the necessary competencies to comprehensively manage the related underwriting and claims handling services for the plant all risks exposures associated with the heavy commercial vehicle class of business. PAR – plant all risks (tools of trade) for construction plant and machinery against accidental physical loss or damage while being used on site as a tool of trade. Examples of HCV covered under a PAR policy: cranes, dumper-trucks, concrete mixing carriers, mobile drilling rigs and mobile TLBs.

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UMA INVESTMENT COMPANY/WATERCRAFT AND LEISURE UMA INVESTMENT COMPANY Lireas Holdings Postal address: 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 is considered a pioneer of the underwriting agency concept in South Africa having been invested in companies such as MUA and Clarendon for over 24 years. Lireas is the strategic investment company of Hannover Re Africa which holds the majority stake in Lireas and provides our investee agencies with access to A+ rated reinsurance capacity. Our minority shareholder, Mahogany Private Equity, provides Lireas with strategic direction, corporate finance and private equity expertise as well as BEE credentials.

Lireas has a unique business model enabling us to offer our partners: • Access to working capital • Specialist underwriting expertise – in-house and via Hannover Re • A+ rated 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, IT, legal, compliance, strategy and marketing matters. Lireas believes in investing in people rather than elaborate business plans and we strive to build successful long-term partnerships.

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 FSP number: 37366  Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP 12148) 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

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Africa) • household goods and personal effects • advance loss of profits/increase cost of working • container liability • carriers’ legal liability. Contact person: Peter Moodley – phone: +27 (0)11 768 4622, fax: +27 (0)86 683 1536, e-mail: peter. moodley@cargotransit.co.za

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WATERCRAFT AND LEISURE 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 a specialist watercraft underwriter. We provide cover for any seaworthy vessel comprising of the hull, superstructure, fittings, machinery, engines, motors, rudder, propeller, hoardings, moorings, sails, spars, masts, rigging, fixtures, fittings, boat gear and equipment such as would normally be sold as one unit, including its trailer. Immediate, interactive assistance from the time a claim occurs is offered via our 24hour call centre. Benefits include: • Competitive rates • 24/7/365 call centre claims support • In-house claims settlement • On-site legal services • Collection of the watercraft before repair • Delivery of watercraft after repairs have been completed. Cover includes: • Comprehensive cover

• Costs to prevent a loss • Emergency accommodation • Emergency charges • Emergency repairs following loss or damage • Fire extinguishing charges • Inspection of the hull after stranding, sinking or collision • Medical expenses of passengers (other than your family) • Medical expenses of passengers (who are your family) • Passenger liability • Recovery costs • Sailing craft racing risk • Safeguarding costs • Salvage costs • Third party liability • Top up liability • Transit cover • Trauma treatment • Water-skiers liability • Wreckage removal. Optional cover: • Assistance services • Credit shortfall • Personal accident cover • Specified itemised all risks cover • Trailer cover.

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   Insurer/risk carrier/principal: Infiniti Insurance Ltd (FSP 35914) Product information: Vanguard Marine & Leisure is an underwriting manager specialising

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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.

WILDLIFE 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    FSP number: 12381 Insurer/risk carrier principal: Guardrisk (FSP 75) 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.

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WILDLIFE (GAME) INSURANCE Etana Insurance Physical address (head office): Etana House, 22 Oxford Road, Parktown, Johannesburg, 2193 Website: www.etana.co.za Phone: +27 (0)11 351 2734 E-mail: tammyj@etana.co.za 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. The product boasts many firsts

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for SA cover and extensions. Unique features include: • Pre-loss veterinarian fees automatically included • Recapture costs after a 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 – annual policies.

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T-Z

WILDLIFE (GAME) INSURANCE / WOODWORKING RISKS AND SAWMILLS Equistar Underwriting Managers Physical address (head office): 112 Sunset Drive, Nooitgedacht, Muldersdrift. Postal address (head office): P.O. Box 3765, Dainfern, 2055 Website: www.equistar.co.za Phone: +27 (0)11 660 5505 Fax: +27 (0)11 660 5505 E-mail: angela@equistar.co.za FSP number: 22338 Product information: Equistar Underwriting

Managers (Pty) Ltd underwrites every sphere of equine, wildlife, livestock and canine insurance risks on behalf of Renasa Insurance Company Ltd. Equistar conducts its business in close proximity to the risks it underwrites, with the staff taking a personal interest in the insured animals. They have expert knowledge in all facets of animal insurance, and offer fast, friendly service, supported by the expertise and knowledge offered by their leading reinsurer, Munich Re.

WOODWORKING RISKS AND SAWMILLS Factory and Industrial Physical address (head office): 3 River Road, Bedfordview, 2008 Website: www.facind.co.za Phone: +27 (0)861 322 463, +27 (0)11 615 1640 (JHB), +27 (0)33 394 3690 (PMB), +27 (0)31 584 7720 (DBN), +27 (0)21 531 7943, +27 (0)72 508 6881 (PTA). E-mail: info@facind.co.za Product Information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance and risk solutions for the commercial, manufacturing and hospitality sectors. We place emphasis on our clients’ compliance with statutory

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and regulatory legislation. Our experienced personnel provide professional risk assessment and tailored risk management services for the protection of intermediaries’ interests and clients’ businesses. Our F&I risk management team attempts to ensure that compliance and risk management issues are identified and dealt with before an event thereby avoiding claim pitfalls.

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) 011 660 5505 • Fax 086 687 2417 112 Sunset Drive, Nooitgedacht, Muldersdrift • P O Box 3765, Dainfern,2055 angela@equistar.co.za • www.equistar.co.za Registration No. 2004/021425/07 • FSP License Number: 22338

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INDEX Agriculture and farming – 30, 32, 33 Art, antiques and collectibles - 34 Aviation - 35 Bankers’ blanket bonds - 38

Excess of loss liability - 104Excess of loss fidelity/ money/ burglary - 104 Factory and Industrial - 105 Fidelity guarantee - 110

Bed and breakfast and guesthouse insurance – 38, 40, 41

Film producers’ indemnity/Film and entertainment – 112, 113

Bicycle insurance – 41, 42, 43

Fuel guarantee and filling station cover – 114, 115

Bloodstock - 44

GAP cover (Niche) - 116

Body corporate and sectional title – 44, 45, 46, 47

General and broad-form liability - 117

Broad-form liability cover – 50, 51, 52

Goods in transit/inland transit – 118, 120, 124

Building insurance – 53, 54

Graduate Professionals - 125Health and accident - 128

Buses (Passenger Transport Vehicle Insurance) – 54, 55

Hauliers combination insurance – 128, 129

Cellular phone insurance - 58

Heavy commercial vehicle cover – 129, 130, 131, 132, 134

Classic and vintage cars – 58, 59 Commercial and industrial risks – 59, 60 Commercial insurance – 62, 63, 64, 65, 66 Construction and engineering insurance – 67, 68, 69, 70, 72

HIV life cover - 135 Homeowners’ insurance - 135 Hospitality and leisure industry – 136, 138, 139 Hull insurance – 140, 141

Contract guarantees – 73, 74

Income protection – 142

Corporate property and engineering insurance - 74

Jewellers’ block - 143

Court bonds - 76

Kidnap and ransom insurance – 146, 147

Credit insurance - 77

Legal services - 148

Credit protection - 78

Leisure industry - 150

Credit shortfall - 79

Life insurance – 150, 151

Directors’ and officers’ liability insurance – 82, 83

Livestock - 151

Employment practices liability - 84

Malpractice (allied health professionals) - 154

Engineering risks and engineering insurance – 86, 88, 90, 91, 92, 94, 96, 97

Management liability - 155

Environmental impairment liability – 98, 99 Event liability – 100, 101, 102 Excess insurance - 103

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Marine and special risks – 156, 157 Marine cargo – 156, 157 Marine liabilities (including charterers) – 158, 159

INDEX Marine risks – 160, 161, 162, 163 Medical insurance – 164, 165, 166 Metal risks - 168 Misappropriation of trust funds insurance - 169 Motor acceptances - 170 Motorcycles and quad bikes – 172, 174 Motor fleet – 175, 176, 178, 180, 181 Motor – niche/special requirements - 182 Motor – small area repair - 184 Motor – third party liabilities - 184Motor traders - 186 Motor vehicle personal accident cover - 188 Motor warranties/mechanical breakdown - 192 Niche disability - 192Pension fund trustees liability - 196 Performance guarantees – 197, 198 Personal accident – 201, 202 Personal lines – 204, 206, 207, 208 Pets and leisure horses - 210 Photographic equipment - 212 Plastic risks - 212 Product guarantee/recall - 213 Professional indemnity insurance – 214, 216, 218, 219 Professional indemnity – single project - 221 Renewable energy - 221 Schools - 224 Sectional title – 225, 226 Security liability – 226, 227 Self-insurance – 227, 228 Specialised domestic insurance – 228, 230, 231, 232

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Specialised high-value executive motor vehicles – 233, 234, 236 Specialised insurance for buildings - 237 Specialised insurance for 4x4 owners – 238, 240 Specialised outdoor insurance - 240 Specialised small commercial business - 241 Specie insurance - 242 Surety - 243 Tax insurance – 246, 247 Taxi insurance – 247, 250 Thatch risk – 252, 253 Tourism insurance – 254, 255 Trade credit – 256 Travel insurance – 256, 257 Truck (heavy commercial vehicle) – 258, 259 UMA investment company - 260 Watercraft and leisure - 262 Wildlife (game) insurance – 263, 264, 266 Woodworking risks and sawmills - 266

INDEX OF UMAs Administration Plus (Pty) Ltd Cellular phone insurance P58

Anchor Risk Management Commercial insurance P63, Personal lines P206

Ad Ultimum Outsourcing (Pty) Ltd Commercial insurance P62, Personal lines P206

AnimalSure (Pty) Ltd Wildlife (game) insurance P263

Advantage Motor Plan (Pty) Ltd (Hollard) Motor warranties/mechanical breakdown P190

Antares Broker Support Commercial insurance P62, Personal lines P207

Aeronautica Underwriting Managers (Pty) Ltd Aviation P35

Aquarius Underwriting Managers (Pty) Ltd Commercial insurance P64, Personal lines P208, Specialised domestic insurance P230, Specialised high value executive motor vehicles P233

African Motor Underwriters Motor fleet P176 African Rand Underwriting Managers (Pty) Ltd Agriculture and farming P30, Commercial insurance P63, Livestock 151 AIG Kidnap and ransom insurance P146 Airspace Africa Underwriters (Pty) Ltd Aviation P35 Alllife (Pty) Ltd. HIV Life cover P135, Life insurance P150 Alternative Commercial Acceptances (Pty) Ltd Agriculture and farming P30, Factory and industrial P108, Hospitality and leisure industry P136, Personal lines P204, Specialised domestic insurance P228 Altrisk (Pty) Ltd Life insurance P151 Ambledown Risk and Underwriting Managers (Pty) Ltd Health and accident P128

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Artinsure Underwriting Managers (Pty) Ltd Art, antiques and collectibles P34, Photographic equipment P212 Ascent Underwriting Managers (Pty) Ltd Hospitality and leisure industry P136 Tourism insurance P254 Associated Marine Goods in transit/inland transit P118, Hull insurance P140, Marine cargo P156, Marine liabilities P158, Marine risks P160 Astra Maritime Underwriting Managers (Pty) Ltd Hull insurance P140, Marine risks P160 Auto Trade Underwriters (Pty) Ltd Motor traders P186 Beyonda Group (Pty) Ltd Heavy commercial vehicle cover P118, Goods in transit/inland transit P129 Bikesure Bicycle insurance P41

BnB Sure (Pty) Ltd Bed and breakfast and guesthouse insurance P38 C&G Underwriting Managers (Pty) Ltd Construction and engineering insurance P67 Renewable energy P221 Camargue Underwriting Managers Bankers blanket bonds P38, Body corporate and sectional title P44, Broad-form liability cover P50, Directors’ and officers’ liability insurance P82, Employment practices liability P84, Event liability P100, Management liability P155, Medical insurance P164, Pension and trustees liability P196, Product guarantee/ recall P213, Professional indemnity insurance P214, Taxi insurance P246 CargoTransit Insurance Underwriting Managers (Pty) Ltd Goods in transit/inland transit P120, Hull insurance P141, Marine cargo P156, Marine liabilities (including charterers) P159, Marine risks P161, Watercraft and leisure P260

CBC Fleet Insurance Solutions (Pty) Ltd Heavy commercial vehicle cover P130, Selfinsurance P227 CIA – Commerical & Industrial Acceptances (Pty) Ltd Body corporate and sectional title P44, Building insurance P53, Homeowners’ insurance [P135, Sectional title P225, Specialised insurance for buildings P237 CIB Insurance Administrators Commercial insurance P65, Personal lines P208 Clarendon Transport Underwriting Managers (Pty) Ltd Taxi insurance P247

Coface South Africa Insurance Company Ltd Credit insurance P77, Trade credit P256 Consort Technical Underwriting Managers (Pty) Ltd Engineering risks and engineering insurance P86 Cross Country Insurance Consultants (Pty) Ltd Marine risks P161, Motorcycles and quad bikes P172, Specialised insurance for 4x4 owners P238 C-Sure Body corporate and sectional title P46 Cyclesure Underwriting Managers (Pty) Ltd Bicycle insurance P42 Dealers Indemnity (Pty) Ltd Consumer protection insurance P72 Devereux Marine CC Marine liabilities (including charterers) P159, Marine risks P162 Echelon Private Client Solutions Specialised domestic insurance P230 Emerald Risk Transfer (Pty) Ltd Corporate property and engineering insurance P74 Envirosure Underwriting Managers Environmental impairment liability P98 Etana Insurance Agriculture and farming P32, Bed and breakfast and guesthouse insurance P40, Broad-form liability cover P50, Commercial and industrial risk P59, Commercial insurance P66, Construction and engineering insurance P68, Engineering risk and engineering insurance P88, Event liability P100, Factory

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INDEX OF UMAs and industrial P108, Fidelity guarantee P110, Goods in transit/inland transit P120, Hauliers combination insurance P128, Heavy commercial vehicle cover P130, Hospitality and leisure industry P136, Hull insurance P141, Management liability P155, Marine liabilities (including charterers) P159, Marine risks P162, Motor fleet P176, Professional indemnity insurance P214, Sectional title P226, Thatch risk P252, Tourism insurance P254, Wildlife (game) insurance P264

Flexible Accident and Sickness Acceptances (Pty) Ltd (FASA) Motor vehicle personal accident cover P188, Personal accident P200

Execuline Motor Underwriting Managers Classic and vintage care P58, Motorcycles and quad bikes P172, Specialised high value executive motor vehicles P234, Specialised insurance for 4x4 owners P240

Garagesure Consultants and Acceptance Fuel guarantee cover and filling station cover P114

Equistar Underwriting Managers Wildlife (game) insurance P266 Factory and Industrial Factory and industrial P109, Hospitality and leisure industry P138, Metal risks P168, Plastic risks P212, Thatch risk P252, Woodworking risks and sawmills P266 FDM Engineering Underwriters (Pty) Ltd Engineering risks and engineering insurance P88

FMI Ltd Income protection P142, [page…] Niche – disability P192 Frontline Underwriters (Pty) Ltd Specialised small commercial business P241

Gem & Jewel Acceptances Jewellers’ block P143 General & Professional Liability Acceptances Medical insurance P164, Professional indemnity insurance P214 Goldfield Insurance Administration CC Goods in transit/inland transit P120 Health and Accident (Pty) Ltd Personal accident P201

Film & Entertainment Underwriters SA (Pty) Ltd Film producers’ indemnity/film and entertainment P112

HIC Underwriting Managers (Pty) Ltd Bed and breakfast and guesthouse insurance P40, Hospitality and leisure industry P138, Motor fleet P178, Schools P224, Specialised outdoor insurance P240, Thatch risk P253, Tourism insurance P254

Firedart & Construction Guarantee Construction and engineering insurance P67, Contract guarantees P73, Engineering risks and engineering insurance P90, Performance guarantees P197

Hollard Liabilitiy Specialists Broad-form liability cover P51, Directors’ and officers’ liability insurance P82, General and broad-form liability P117, Medical insurance P164, Professional indemnity insurance P216

First Property Acceptances Building insurance P54

Horizon Underwriting Managers (Pty) Ltd Marine cargo P157, Marine risks P162

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Hospitality & Leisure Underwriters Hospitality and leisure industry P138 Ibiliti Underwriting Managers (Pty) Ltd Commercial insurance P66, Excess insurance P104, Graduate professionals P125 Inception Value Policy Motor – Niche/special requirements – P182 Infinite Credit Underwriting Managers (Pty) Ltd Credit protection P78, Credit shortfall P79 Insurance Zone Personal lines P204 IUM Agriculture and farming P32, Bed and breakfast and guesthouse insurance P41, Body corporate and sectional title P47, Buses (passenger transport vehicle insurance) P54, Commercial and industrial risk P60, Engineering risks and engineering insurance P91, Fuel guarantee cover and filling station cover P114, Hauliers combination insurance P129, Heavy commercial vehicle cover P130, Leisure industry P150, Motorcycles and quad bikes P174, Motor fleet P178, Motor traders P186, Schools P224, Self-insurance P228, Tourism insurance P255, Truck (heavy commercial vehicle) P258, Watercraft and leisure P262 KEU Underwriting Managers CC Event liability P101, Film producers’ indemnity/film and entertainment P113 Kuda Insurance Administrators (Pty) Ltd Bloodstock P44 Landmark Underwriting Agency Agriculture and farming P33

Legal Exchange Corporation – LEXCorp Legal services P148 Leisure Zone Motorcycles and quad bikes P172 Leppard & Associates (Pty) Ltd Broad-form liability cover P51, Event liability P102, Professional indemnity insurance P216 Lireas Holdings UMA investment company P260 Lynx Transit Underwriting Managers (Pty) Ltd (Genric) Goods in transit/inland transit P124, Heavy commercial vehicle cover P132 Manwood Underwriters (Pty) Ltd Professional indemnity insurance P219 Merx HCV Heavy commercial vehicle cover P131 Mirabilis Engineering Underwriting Managers (Pty) Ltd Engineering risks and engineering insurance P92 Motor Acceptances Motor fleet P180 Motorite Insurance Administrators Motor warranties/mechanical breakdown P190 MUA Insurance Acceptances (Pty) Ltd Specialised domestic insurance P231 Specialised high-value executive motor vehicles P234

Natsure Ltd Leisure industry P150

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INDEX OF UMAs Nautical Underwriting Managers (Pty) Ltd Marine cargo P157 Network Liability Underwriting Managers (Pty) Ltd Broad-form liability cover P51, Event liability P102, Excess of loss liability P104, Medical insurance P165, Misappropriation of trust funds insurance P169, Motor third party liabilities P184, Product guarantee/recall P213, Professional indemnity insurance P218 Omnicover Transport and Transit Acceptances (Pty) Ltd (Hollard) Heavy commercial vehicle cover P132, One Commercial Securities t/a Refine Construction and retention guarantees P70, Fuel guarantee cover and filling station cover P115, Performance guarantees P197 Onepet Pet Insurance Pet and leisure horses P210 Oojah Travel Protection (Pty) Ltd (Hollard) Travel insurance P256 Pan African Underwriting Managers (Pty) Ltd Construction and engineering insurance P68, Engineering risks and engineering insurance P92, Truck (heavy commercial vehicle) P259 Performance and Customs Bond Services (Pty) Ltd Construction and engineering insurance P70, Contract guarantees P74 Performance guarantees P198, Surety P243 Petsure (Pty) Ltd Pets and leisure horses P210 Pet Underwriting Managing Agency (Pty) Ltd (P.UMA) Pets and leisure horses P210

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Policy Provider Underwriting Managers Bicycle insurance P43, Engineering risks and engineering insurance P94, Goods in transit/ inland transit P124, Income protection P142, Motor â&#x20AC;&#x201C; niche/special requirements P192 Polygon Underwriting Agency (Pty) Ltd Specie insurance P242 Praesidio Risk Managers (Pty) Ltd Kidnap and ransom insurance P147, Personal accident P202 Qdos Underwriting Managers (Pty) Ltd Tax insurance P246 Quantum Liabilty Underwriters (Pty) Ltd Security liability P226 Renasa Insurance Company Performance guarantee P198 Renasa Taxi Underwriters (Pty) Ltd Taxi Insurance P250 Risk Technical Services Broad-form liability cover P52, Construction and engineering insurance P68, Professional indemnity insurance P218 Santam Aviation Aviation P35 Scintilla (Pty) Ltd Construction and engineering insurance P72, Engineering risks and engineering insurance P97 Shackleton Risk Management Court bonds P76, Professional indemnity insurance P219, Fidelity Guarantee P110 Sirago Underwriters Medical insurance P166

Small Area Repair Technologies Underwriting Managers (Pty) Ltd trading as Smart Motor – Small area repair P184 Stalker Hutchison Admiral (Pty) Ltd (SHA) Bankers’ blanket bonds P38, Broad-form liability cover P52, Directors’ and officers’ liability insurance P83, Employment practices liability P84, Excess of loss fidelity/money/ burglary P105, Fidelity guarantee P110, Medical insurance P165, Motor acceptances P170,Personal accident P203, Product guarantee/recall P213, Professional indemnity – single project P220, Schools P224, Security liability P227

Wheels Underwriting Managers (Pty) Ltd Classic and vintage cars P59, Heavy commercial vehicle cover P134, Motorcycles and quad bikes P175 X’S Sure (Pty) Ltd Motor – niche/special requirements P182 Zenith Product Design (Pty) Ltd Specialised domestic insurance P232

Synergy Targeted Risk Solutions (Pty) Ltd Environmental impairment liability P99 Tax Radar Underwriting Managers (Pty) Ltd Tax insurance P247 Thatch Risk Acceptances Thatch risk P253 Transit Underwriting Managers (Pty) Ltd Goods in transit/inland transit P124 Travel Insurance Consultants (TIC) Travel insurance P257 Tri-Marine Acceptances (Pty) Ltd Marine and special risks P163 Vanguard Marine & Leisure Watercraft and leisure P262 Vantage Insurance Specialised high value executive motor vehicles P250 Vulindlela Underwriting Manangers (Pty) Ltd Commercial insurance P67, Taxi insurance P250

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NOTES

Leaders in Taxi Insurance Your peace of mind is our business Since 1991

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the perfect fit Momentum Short-term Insurance offers tailor-made insurance packages that are designed to suit you. Our insurance policies cater for a number of industries from hairdressing, barbershops and beauty salons to medical, hospitality, food & catering, body corporate, retail, optometry and pharmaceutical. Call us to find out how your company can benefit from a unique package designed to enhance and support your financial wellness. For more information contact us on 012 336 3818 or send an email to brokerenquiries@momentumsti.co.za Momentum. For your financial wellness.

Momentum Short-term Insurance is an authorised financial services and credit provider. Momentum Group Limited is a wholly-owned subsidiary of MMI Holdings Limited.

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