The UMA Directory 2011

the

YOUR A-Z GUIDE TO SPECIALIST INSURANCE PRODUCTS AND PROVIDERS

brought to you by

magazine

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UMA Directory 2011

contents foreword

9

THE ABCS OF UMA

10

sharing the risk

12

A

19

B

29

C

51

d-E

75

F-G

93

H-J

111

K-L

133

M-o

145

p-r

181

S

207

T-Z

231

INDEX

256

UMA Directory 2011

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(A division of COSA Communications (Pty) Ltd)

PO Box 60320, Table View, 7439

Ground floor, Manhattan Tower Esplanade Road, Century City, 7441 Tel: 021 555 3577

Publisher and editor Andy Mark

Design and layout Dries van der Westhuizen Robyn Schaffner

Editorial director Angelique Ruzicka

Editorial enquiries

Managing editor Nicky Mark

Tel: 0861 555 267 Fax: 086 618 3906 E-mail: info@comms.co.za Website: www.risksa.com

Assistant editor Linda Scarborough Copy editor Margy Beves-Gibson

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

Copyright COSA Communications (Pty) Ltd 2011. 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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UMA Directory 2011

Over 20 Years of Successful Partnerships 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 20 years. Lireas is the strategic investment company of Hannover Re Africa which has a 51% shareholding providing Lireas’ investments with access to reinsurance capacity. Mahogany Private Equity with a 49% shareholder provides Lireas with corporate finance expertise. Lireas has a unique business model enabling us to provide our partners access to finance, a variety of credible insurance partners as well as access to reinsurance. No other business in the South African market is able to subscribe to such a business model.

Lireas believes in investing in people rather than elaborate business plans and we strive to provide a long term REXCREATIVE.COM

partnership approach. We believe that corporate governance can be balanced with entrepreneurial passion – a characteristic so essential to the success of many of our businesses.

In proud association and supporter of the following specialist underwriting agencies Camargue Underwriting Managers | CargoTransit Insurance | Clarendon Transport Underwriters | Commercial & Industrial Acceptances | Construction Guarantee | Envirosure Underwriting Managers | Flexible Accident & Sickness Acceptances | Film & Entertainment Underwriters SA | Garagesure Consultants & Acceptances | Gem & Jewel Acceptances | Hospitality Industrial & Commercial Underwriting Managers | Landmark | MUA Insurance Acceptances | Takafol South Africa | Thatch Risk Acceptances | Transit Underwriting Managers | Woodworking Risk Acceptances We are always looking for new investment opportunities in niche underwriting agencies. Contact us on 011 481 6500 | info@lireas.co.za | lireas.co.za Lireas is a member of The South African Underwriting Managers Association & The South African Venture Capital Association

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UMA Directory 2011

ENGINEERING RISK UNDERWRITING MANAGERS Insuring development in Africa - building a new tomorrow

MICROENSURE Helping the poor weather life’s storms

UMA Directory 2011

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foreword

After a lot of blood, sweat (and probably tears) the RISKSA team has put together the most comprehensive A-Z underwriting management association guide available. Well, at least we believe so. It’s packed with plenty of information from UMA’s contact details (e-mails, telephone number addresses, etc.) right down to the inclusions and exclusions of each policy.

We’ve even colour-coded and categorised it by policy type so that you don’t have to waste precious business hours flipping through more than 200 pages to find the right information.

We’ve also included some useful features. On page 10, we interview Tersia Davey, chairperson of the South African Underwriting Managers Association (SAUMA), about the benefits of joining the association.

Few UMAs are created through personal savings and backers are often approached to provide the funding to launch the company. But what exactly are they looking for? On page 12 we speak to Valerie Hayter, managing director of Lireas Holdings, to find out what the business looks for in a UMA partner.

Industry commentators have a lot to say about what makes a UMA successful and what makes it fail. But the general consensus seems to be that you need a unique idea and good corporate governance. For example, one financier said that they would never back a UMA that specialises in providing insurance for gambling. But, in this industry, it’s horses for courses; so while one may say no, another company may jump on board with your plan. It’s best to do your research about your financial backers first and foremost so that you don’t offend them when you walk through that door.

With 82 UMAs currently registered with SAUMA, you would think there is not much wiggle-room when it comes to new ideas. But according to the experts, there’s still plenty of space for those with the right idea. So get to it! Who knows, your idea could lift off and your company could be the next success story featured in RISKSA.

We hope you enjoy our first UMA edition. As always we welcome feedback on how things could be done better. Our researchers and journalists took every care to ensure that this is the most comprehensive UMA reference in South Africa; but if you find your company is not listed, get in touch with us to be included in next year’s issue.

Angelique Ruzicka

UMA Directory 2011

9

abcs the

of the uma

Angelique Ruzicka speaks to Tersia Davey, chairperson of the South African Underwriting Managers Association, about the benefits of joining SAUMA and the difficulties experienced in starting an underwriting managing agency.

Is it compulsory to join SAUMA if you start a UMA? It’s not compulsory to join SAUMA but we provide UMAs with a voice and with information.

We make our members aware of legislative changes and, as a SAUMA member, we put your views forward to the regulators. If a decision is made that will affect the industry, we will take it up with the ombudsman. If there is a dispute with the UMA and insured, then we advise our members. We provide workshops and advice on launching new products. We also deal with complaints from insured and brokers.

Does it give the UMA credibility to belong to SAUMA? Yes, absolutely. Some insurers even request that a UMA becomes a member with SAUMA before they partner with them.

What does it take to become a UMA member?

We ask that the UMA has adequate professional

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UMA Directory 2011

indemnity (PI) cover in place, valued to at least R5 million. There must also be an underwriting agreement in place between the principle (insurers) and the UMA. We also ask for fidelity guarantee, especially if they collect premiums on behalf of the insurer.

How much does it cost to join SAUMA? We have just upped our fees. Annual subscriptions cost R5 200. All our functions are generally free but if UMA directors want to invite brokers or special guest speakers there, we do charge for that.

How difficult is it to set up a UMA? It’s not easy to set one up at all. There are so many things to consider. You have to create a niche product with the words of the policy already in place. You need to develop the excess arrangements, the structure of the product and policy – it needs to be viable. The product has to adhere to legislation and, once that’s all done, you need to submit your business plan to insurers. You

also need to demonstrate that you have a system in place to communicate with brokers, handle claims, issue policies, etc. Most insurers also request that your system is interactive. It can easily cost between R3-5 million, even more, to set up a UMA depending on the size of the book, class of business and number of employers.

How many UMAs are currently registered with you and do you think the market is too saturated?

We have 82 members currently. There are always opportunities for new products. Some areas are saturated but that means it’s more competitive, which can be good for the end client. There are still gaps in the market for aviation and personal accident policies.

Why do some UMAs fail?

There are a number of reasons including bad management, pricing, uncompetitive products, lack of innovation, incorrect policy wording. An eye is always kept on the loss ratio and, if that fails, the principals can cancel their backing.

Sometimes insurers no longer have an appetite for your business anymore. The market can become too saturated and you are unable to write more business.

What you need to join SAUMA • Completion of SAUMA application form.

• Satisfactory credit checks of the company and directors.

• Professional –indemnity cover – minimum limit of R5 million.

• Fidelity –guarantee cover – minimum limit of R1 million.

• Directors, members and officers to be of good standing in the insurance community.

• A written underwriting manager’s contract with a registered South African insurance company (which includes Lloyd’s) is required.

• Ongoing employment of fit and proper staff.

• Compliance with the Short-term Insurance Act, No 53 of 1998, particularly Section 48.

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Sharing the risk

Lireas Holdings is a subsidiary of Hannover Re and specialises in investing in underwriting managers, which it has done for over 20 years. Angelique Ruzicka speaks to Valerie Hayter, managing director of Lireas Holdings, to find out what the business looks for in a partner.

How do you determine whether to back someone looking to set up an underwriting management agency (UMA)?

We have started about 38 underwriting managing agents over the last 20 years and you develop a technique. We look at their underwriting expertise in that niche. We look for a certain quality of entrepreneurship and we ask how much they are willing to risk. Of course, we are not asking them to triple the mortgage on their house but they have to be willing to share the risk [of starting the business] with us. We call this an alignment of interest. During the courtship phase, we establish their needs as best as possible.

Do you have any other requirements as a partner?

They are not allowed to draw a dividend unless the loan with us has been repaid in full. They need to be comfortable with taking on a market-related salary. We provide very cheap financing so we expect that.

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UMA Directory 2011

We charge prime plus some more over that.

Banks don’t generally offer loans to UMAs. Banks are quite risk averse so they are often not willing to look at the UMA.

can quickly tire of them if they don’t make a profit on the underwriting side. Some UMAs grow too fast and the wheels fall off. Some just don’t have a great unique idea and can’t sell products. Of the 38 we started up, only three failed, which we believe is a very good track record.

When would you not provide capital to a start up business?

Who are your main competitors or partners in this space?

Our philosophy is that we back only a ‘one horse race’. If, for example, we have a UMA that specialises in taxi insurance, we don’t take another UMA on with the same business. We are a subsidiary of Hannover Re and our aim is to secure it premium income. If a UMA has already secured reinsurance elsewhere then we would not take it on.

There are many big and small players in the market that provide capital to UMAs. They include Hollard, Guardrisk, Centriq, Santam, Mutual & Federal, Lombard, Regent, 1Com and Absa.

Are you cheaper than what a bank would offer?

Is there still space for someone to start a UMA, even though there are so many currently in the market?

We do believe there are too many UMAs in this market. However, there is space for someone with a good idea and distribution channel and we will obviously look at their ideas.

How much does it cost to start a UMA? It costs between R3-5 million.

Who do you have to register with to start a UMA? You have to register with the Financial Services Board to get a financial services provider license. You also need to buy a shelf company [if you start a close corporation] and choose a name for the organisation.

With so many UMAs in the market, what will the future hold? Are some likely to go bust?

Having a UMA is a good business model, which is why so many do it. There will be a lot of consolidation, which has already started.

What are your terms and conditions if someone wants to be your business partner?

We are very active shareholders, and would therefore hold a share in the business. We request monthly management meetings and quarterly board meetings (so we would sit on the board). As we are part of a large corporate, we need to ensure good corporate governance. We would also be there whenever we are needed. Some businesses need more assistance than others. We tell all our partners upfront this before we become their partner.

Why do some UMAs fail?

Their loss ratio is very important. If a UMA doesn’t provide a profit, then the risk carrier

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Look to the stars

L o m b a rd I n s u r a n c e C o m p a n y

|

Consort

|

Leppard & Associates

|

It takes a stellar collective of insurance specialists to provide guided - and personalised - corporate solutions that will keep your business on the right track.

So put the horoscopes away, and look to the Lombard Insurance Group.

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UMA Directory 2011

Timesquare 10945

Pinnafrica

|

HCV

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FMI

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Deposit Advantage

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Smart

|

PFS

Phone: 0861 551 0600 Fax: 011 551 0603 www.lombardins.com

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business coveRED from A to Z

Etana Agri takes root! Our business insurance offering now includes a range of products tailoRED specifically to the needs of the agricultural sector. For contact details of all our specialist underwriters, email specialist@etana.co.za

Local is Lekker, ‘A+’ Global cREDit rating, ‘A’ BEE rating, Specialised risk management system

To find out more about our poweRED happenings

www.etana.co.za an Authorised Financial Service Provider 16Etana is UMA Directory 2011

A-z

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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a

a UMA Directory 2011

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A

10 facts about the aviation industry

1. According to Santam, there are around 11 000 light commercial, sport and other types of aircraft in South Africa.

2. By law, aircraft operators who carry passengers for hire or reward must have passenger insurance in place in accodance with the Civil Aviation Act. 3. Flying is becoming a commuter transport mode of choice with more and more companies investing in private aircraft, according to Santam.

4. Santam said premiums generated from the aviation industry (excluding large commercial passenger craft) generate about R500 million a year.

5. The biggest single claim with Santam in 2010 amounted to R4 million.

6. In recent years, one of the biggest claims Santam received amounted to nearly R40 million after a plane flying over a game reserve smashed into Mount Kenya.

The accident occurred in 2005/6, but the claim has since been settled at R4 million.

7. The fastest-growing sector in aviation is the recreational aircraft space.

8. Statistically, South Africa had a better year in 2010 with fewer fatalities than in 2008/9.

9. Main players in the aviation space include Centriq, Independent Aviation Underwriters, Infiniti Insurance, Regent Insurance, Chartis and Santam.

10. Cover for South African Airways aircrafts has been placed by Willis in the London market.

Academic institutions / Aviation

ACADEMIC INSTITUTIONS

A

Abacus (Pty) Ltd Postal address: Unit 3 Medgate, c/o Kingfisher and Pheasant Streets, Helderkruin Willie van der Schyf Phone: 0861 33 33 88 Fax: 0861 33 33 38 E-mail: willievds@abacus-ins.co.za Denis Styles Phone: 0861 33 33 88 Fax: 0861 33 33 38 E-mail: deniss@abacus-ins.co.za

Products: Abacus specialises in niche products to cover educational institutions including preprimary, primary and secondary schools as well as technical colleges for the specific risks associated with running an educational institution.

Who is the typical client for this product?

The owner or governing body of an educational institution such as a primary school or technical college.

Stalker Hutchison Admiral (Pty) Limited (SHA) Phone: +27 (0)11 731 3600 Postal address: P.O. Box 55347, Northlands, 2116 Fax: +27 (0)11 447 0080 Dianne Kirk E-mail: kirkd@sha.co.za

Aviation

AvSure (Allianz) Postal address: Allianz Insurance Limited, P.O. Box 62228, Marshalltown, 2107 Phone: +27 (0)11 442 1111 Fax: +27 (0)11 442 1124 Products: Under Allianz’s Corporate and Specialty division, Allianz offers a variety of specialist aviation products. This includes hull and liability protection for passenger and cargo airlines, covering the full range from single aircraft operators and international to major international carriers; physical damage and liability cover for manufacturers and suppliers as well as airports, refuellers and associated service providers; hull and liability cover for smaller aircraft and helicopters including privately owned, commercial fleets, business jets and ground service providers. In addition,

Allianz offers reinsurance of worldwide aviation portfolios including international airline and general aviation account reinsurance.

Who is the typical client for this product?

Airlines, owners of private planes including cargo planes, and manufacturers and suppliers of aviation products as well as airports.

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Aviation A

Independent Aviation Underwriters Postal address: Unit 3C, Highway Gardens Office Park, Cnr Minauch & Partridge Roads, Highway Gardens, Edenvale, 1609 Jamie Illing Tel: +27 (0) 11 452 6200 Cell: +27 (0) 79 495 1007 Email: jamie@iau.co.za Web: www.iau.co.za

Products: • Hull insurance • Third Party and Passenger Liability Insurance • Airport Operations Liability Insurance • War and Hijacking Insurance • Cargo Liability Insurance • Personal Accident Insurance in respect of Pilots and Crew

Namibia Special Risk Acceptances Postal address: Unit 8, 33-35 Garten Strasse, Windhoek Ferenc Polgar Tel: +264 61 402393 Fax: +264 61 402394 Email: info@nasra.co.na Web: www.nasra.co.na Products: Truly Namibian short term insurance business, focusing on the specialist & commercial market segments • Aviation • Engineering • Property • Construction Related Guarantees • Liability Santam Aviation Postal address: 17 Corner Fricker and Chaplaine Road, Illovo, Gauteng, 2116 Phone: +27 (0)11) 912 8000 Fax: +27 (0)11 347 9026

• Third party cover, excluding passengers.

• Excess buy-down insurance. Santam also provides aviation products for the commercial and private sector.

Products: Santam Aviation offers comprehensive hull, third party and passenger insurance on all aviation risks.

Clients have the option to insure the hull for full flight or ground risks.

Includes: • Aerodromes • Hangarage • Landing strips • Repairers • Refuellers

Liability cover includes: • A combination of third party and passenger liability insurance.

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Accidental HIV infection

Accidental HIV infection

A

Lifesense Group Postal Address: P.O. Box 1774, Parklands, Johannesburg, 2121 Phone: 0861 567 567 Website: www.lifesense.co.za Products: Lifesense offers a comprehensive HIV/Aids management programme that

includes accidental HIV infection cover.

Who is the typical client for this product?

Those working in the medical profession and at-risk of accidental exposure to HIV+ infection through a needle stick or other contact with infected bodily fluids.

Praesidio Risk Managers Physical address: 5th Floor, 296 Kent Ave, Randburg, 2194 Postal address: P.O. Box 3337, Cramerview, 2060 Bronwen de Kock Underwriter and managing director Phone: +27 (0)11 521 4120 Products: Praesidio’s HIV+ needle stick cover offers a benefit of R1 million to doctors who accidentally make contact with body fluids in the workplace. All staff members who may accidentally come into contact with blood are also covered and the cover can be extended to include ‘occupational’ HIV cover, which is not limited to needle stick incidents only. The cover also provides up to R2 000 of the initial prophylactic treatment required after an accident.

Who is the typical client for this product?

Those working in the medical profession and at-risk of accidental exposure to HIV+ infection through a needle stick or other contact with infected bodily fluids.

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Agricultural and farming

Agricultural and farming

A

Agricola Underwriting Managers (Pty) Ltd Physical Address: Block A2, Somerset Office Estate, Kudu Street, Roodepoort, 1737 Phone: +27 (0)11 288 0300 Products: Agricola’s products cover broad acre summer and winter crops including maize, grain sorghum, soya beans, dried beans, barley, sunflower oats, peanuts, potatoes and wheat.

Agricola’s multi-peril policy for cereal crops covers for full loss of yield from emergence to

delivery at the silo. Cover against hail, fire, transit to and from receival point and frost can also be included. Agricola ensures that claims are handled swiftly and efficiently by dedicated crop insurance professionals located in your region.

Who is the typical client for this product?

The owner or manager of a farm who is looking for protection against loss of crops or livestock.

African Rand Underwriting Managers (Pty) Ltd

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Physical address: 49 Sophia Street, Fairland, Johannesburg, 2030 Postal address: P.O. Box 731386, Fairland, 2030 Phone: +27 (0)11 678 1354 Fax: +27 (0)11 678 1357

• Droving and escaping of animals as strays.

• Spreading of fire.

• Various farming-related risks to motor vehicles.

• Funeral cover for workers at a very nominal rate. Additional optional cover for livestock, crops and wildlife can be added.

Products: African Rand’s AGRInSURE policy is a complete farm insurance product that covers dwellings, personal contents, farm buildings, machinery, equipment and livestock as well as providing farm-liability coverage. In addition to the typical commercial and domestic covers offered, the policy is extended to provide cover specifically for farmers. This includes, inter alia, the following: • Special provisions with reference to crude fodder, hay, straw, chaff and similar crops in buildings as well as tobacco in air curing barns.

• Special provisions with reference to game and/or ostriches.

• 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, water apparatus.

• Produce and livestock in transit.

Who is the typical client for this product?

• The owner or manager of a farm who is looking for protection against loss of crops or livestock.

UMA Directory 2011

Agricultural and farming A

Landmark Underwriting Agency

Physical address: 1st floor, Wesdene Centre, cnr 1st Avenue and Reid Street, Westdene, Bloemfontein, 9301 Postal address: P.O. Box 1941, Bloemfontein, 9300 Phone: +27 (0)51 430 3371 Fax: +27 (0)51 447 2463 E-mail: gert@landmark-ua.co.za Products: Landmark UA’s policy covers the following risks: livestock-variable cover options

including electrocution and accidental death by dogs and wild animals; fodder stored in buildings and in the open; pedigreed/ registered farm dogs; spread of fire cover options; products liability; bursting of water dams; droving of animals; animal trespass; house owners; 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; loss of use of private cars/ combines and tractors; large tyre cover for farming vehicles; and emergency overnight accommodation as well as other risks.

Who is the typical client for this product?

The owner or manager of a farm that is looking to insure their agricultural and personal assets.

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Agricultural and farming A

Santam Agriculture Postal address: Private Bag X15, Brandhoff, 9324 Phone: (0)51 407 3005 Fax: +27 (0)51 407 3113 Website: www.santam.co.za/agriculture Email: agri@santam.co.za

• Accidental damage to glass • Electronic equipment • Machinery breakdown and machinery breakdown business interruption • Accidental damage to property • House owners and householders

Products: Santam Agriculture provides farmers and agribusiness with tailor-made agricultural risk cover. Covering all farming activities from production to transport.

Vehicle insurance includes motorcars, bikes, trucks and trailers, tractors, combines and farm implements with the following these cover options:

Crop

• Comprehensive cover – all risk cover • Third party, fire and theft • Third party only

• HailPlus Summer grain Winter grain Fruit Vegetables • Multi-peril crop insurance Dry land Winter grain Summer grain Cotton • Irrigation Winter grain Summer grain Cotton • Sundry Handling loss Aqua culture Fire on rangeland Raindex Assets Property Insurance • Fire and allied perils • Business interruption or loss of income or profit • Money insurance • Theft • All risk insurance

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UMA Directory 2011

Liability Insurance • Animals • Spread of fire • Products liability • Dam wall • Hunters liability • Warehouseman’s liability • Employment practices liability • Umbrella liability

Art, antiques and collectibles

Art, antiques and collectibles

A

ArtInsure (Hollard) Physical address: 9th Street, St Davids Place, St Davids Park, Parktown Postal address: Postnet Suite 176, Private Bag X18, Milnerton, 7435 Gordon Massie E-mail: info@artinsure.co.za/ gordon@artinsure.co.za Phone: 0861 111 096 Products: ArtInsure offers insurance solutions to collectors, museums, dealers, auctioneers, restorers, valuers, galleries and exhibitions and creates specialised custom products to suit their needs. ArtInsure lists some of the benefits of its products as: • All risks coverage.

• Agreed value – allowing you to determine the insured value of your collectible items.

• Tailored basis of valuation – this ensures that you are accurately covered for the true value of your investment.

• Depreciation recognition – we understand the impact of damage to the value of an item even after professional restoration.

• Defective title cover – we can insure you for items purchased while you insure with us which you may discover are the subject of an ownership dispute.

• Away from premises cover – providing insurance for transits, exhibitions, fairs, storage or consignment of your item to a third party.

• New acquisitions – new acquisitions can be automatically included, providing peace of mind until you are able to notify your broker.

• Buy-back ability – in the event that we recover an item of yours which was stolen, we will give you the opportunity to buy it back from us.

• Recognition of pairs and sets – we understand that the value in a set is the sum

of all of the parts and our product therefore responds to the loss or damage of a part of a set.

• Repaired items – repaired items are automatically included without additional premium.

• Temporary storage – should your premises be compromised, we can agree to transport and store the items at a suitable location at our cost until such time as the problem is resolved.

• Access to professional restorers.

• Access to professional valuers. The Hollard Insurance Company owns a majority share in ArtInsure and underwrites all of its products.

Who is the typical client for this product?

The owner or manager of an art collection and may include museums and art galleries as well as private or business collectors.

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B

UMA Directory 2011

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10 facts

B

about bicycles

1. There are about a billion bicycles in the world, twice as many as motorcars.

2. Almost 400 million bicycles are in China. Every year, some 50 million bicycles – and 20 million cars are produced.

3. The first ‘bicycle’ was built in 1690 by Frenchman DeSivrac. It was referred to as a hobbyhorse. Pedals were added in 1840 by a Scottish blacksmith, Kirkpatrick Macmillan, who is credited with inventing the real bicycle.

4. The absolute world speed record for cycling is held

by Dutch cyclist Fred Rompelberg. He pedalled in the slipstream of a dragster at 268,831 km/h. He was 50 years old at the time.

5. According to US website www.stolenbicycleregistery. com, over 1.5 million bicycles are stolen every year.

6. The site added that the FBI received reports of 504 000 bicycles stolen in 1995, but estimates that only one-third of all stolen bikes are reported to police.

7. If a person living four kilometres from work cycles to and from work throughout the year, rather than driving, over the course of the year, around 300 kg of CO2 emissions are avoided.

8. A cyclist can travel 10 000 km on the energy equivalent of a litre of petrol.

9. Cyclesure, underwriting managers for Hollard Insurance Company South Africa Ltd, had a claim in the region of R150 000 for two stolen bicycles.

10. An unusual claim handled by Cyclesure involved a cyclist riding into a buck.

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Bankers blanket bonds / Bicycle insurance

Bankers blanket bonds B

Phoenix Underwriting Managers Postal address: P.O. Box 1888, Gallo Manor, 2052 Phone: + 27 11 656 6035/4 Website: www.phoenixum.co.za Products: Phoenix’s bankers blanket cover offers protection in terms of infidelity of employees, premises risk, transit risk and forgery

risks. It also covers financial institutions against loss as a result of the insured acting in good faith, upon securities which prove to have been forged, fraudulently altered, lost, stolen or counterfeit, as well as counterfeit currency, office contents and legal fees incurred by the insured in the defence of a claim.

Camargue Underwriting Managers Postal address: Postnet 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 356 4842 Website: www.camargueum.co.za

Products: Camargue offers bankers blanket bonds for financial institutions and corporate treasury functions and is able to underwrite risks domiciled outside of South Africa, in many of the surrounding territories.

Stalker Hutchison Admiral (Pty) Limited (SHA) Postal address: P.O. Box 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Anton Meyer E-mail: meyera@sha.co.za

Bicycle insurance

Absolutely Covered Brokers CC Postal address: P.O. Box 1307, Wingate Park, 0153 Phone: +27 (0)12 345 4101 Fax: +27 (0) 866 130 075 Website: www.absolutely.co.za Products: Cyclesure protects bicycle owners for loss or damage to bicycle and accessories in the event of theft or hijacking, damage or theft during transit, damage during training and while racing; whether club rides, time trials, track, provincial, national or even international events. It also provides cover against death and permanent disability, medical costs following accident and personal liability cover.

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Bicycle insurance / Bed and breakfast and guesthouse insurance BikeSURE B

Physical address: 3rd Floor, Church Square House, Cape Town 8000 Phone: 0860 BIKESURE/0860 245 378 73 or +27 (0)21 461 4200 Fax: 088 021 461 2811 Website: www.bikesuresa.co.za

Products: BikeSURE ’s PedalSURE products cover cyclists for accidents while riding socially, participating in a road race or riding on the mountain; transit to and from events; and for theft or hijack. Accessories can also be covered and additional Scratchaway cover and personal accident cover is available.

Bed and breakfast and guesthouse insurance African Rand Underwriting Managers (Pty) Ltd Postal address: P.O. Box 731386, Fairland, 2030 Phone: +27 (0)11 678 1354 Fax: +27 (0)11 678 1357 Website: www.africanrand.co.za Products: Under African Rand’s B&B product, forcible entry is not a prerequisite for theft and guest effects are covered. Bilking cover is provided and coverage for food poisoning and other extended liabilities required for the effective management of a B&B facility is included. Personal accident can be added to the policy. The product indemnifies the policyholder for fire, lightning or thunderbolt, explosion and any other perils which you choose. Buildings, contents, legal liability and

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loss of profits are covered under the policy.

Watercraft cover is included and provides cover for loss of or damage to watercraft vessels, medical expenses and liability to third parties.

Optional covers include power surge, plumbing and electrical appliance cover, and emergency medical assistance. African Rand can negotiate most additional requirements that the guesthouse owner may have, including game and livestock cover and funeral cover for staff.

Bed and breakfast and guesthouse insurance Ascent Underwriting Managers (Pty) Ltd Physical address: F3 Pinewood Square, Pinewood Office Park, Riley Road, Woodmead, 2128 Phone: 0861 286 264 Fax: 0866 334 311 Website: www.ascentsure.co.za Products: With over 12 years experience underwriting the tourism, hospitality and entertainment sectors, Ascent’s product range includes the Welcome Plus (hospitality) the tourinsure (tourism) and Wine and Dine (entertainment) policies bundled with real value added products.

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with SA Tourism Services Association (SATSA) and the Federated Hospitality Associations of SA (Fedhasa), we have the industry engagement and underwriting experience to ensure that our broker partners and clients have access to some of the broadest covers available for their ever changing needs.

Ascent Underwriting Managers committed team of dedicated people service our products and support select broker partners conducting business with honesty and integrity. Our business values remain at the core of our success.

Products cater for the entire range of bed and breakfasts, guesthouses and boutique hotels.

Together with strategic industry partnerships

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Bed and breakfast and guesthouse insurance BnB SURE (Pty) Ltd B

Postal address: P.O. Box 4047 Randberg, Gauteng, 2125 Phone: 0861 BnBSURE (0861 262 7873) Website: www.bnbsure.co.za Products: BnB SURE’s products have been designed in conjunction with establishment owners and the industry to ensure that it meets the specific needs of B&Bs and guesthouses.

The policy covers buildings, contents, including personal effects of guests up to a limit of R25 000 and trauma counselling costs of R2 000 per person following a violent event for guests, but is extended to away-from-premises

for the insured and any permanent staff member.

It includes automatic fidelity cover of R10 000 and loss of revenue due to fire, storm or flood; telecommunications breakdown; suicide, murder or rape or any attempt thereat; shark or wild animal attack; oil spillage; cancellation of event and staff stay-aways. Motor cover is also provided.

The product covers both the personal nd business portions of the establishments. Policyholders enjoy additional benefits such as a listing on the www. bnbfinder.co.za website, a reservation facility, which is marketed in South Africa, and automatic membership of the BnB Sure Club, which offers discounts for a variety of goods and services.

Hospitality & Leisure Underwriters (H&L) Specialist short-term insurance provider to the hospitality industry.

Head Office (JHB) Postal address: P.O. Box 696, Bedfordview, 2008 Tel: +27 (0)11 615 2973/6 +27 (0)11 022 1164/5 Fax: 086 689 4950 E-mail: info@handl.co.za Web: www.handl.co.za Pretoria Branch Postal address: P.O. Box 696, Bedfordview, 2008 Tel: +27 (0)82 459 5729 Fax: +27 (0)86 671 9588 E-mail: janl@handl.co.za Web: www.handl.co.za Cape Town Branch Postal address: P.O. Box 696, Bedfordview, 2008 Tel: +27 (0)21 554 0910 Fax: 086 553 9993 E-mail: bill@handl.co.za Web: www.handl.co.za

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Products & Services Hospitality insurance specialist for hotels, boutique hotels/spas, guest houses, golf estates, wine estates & restaurants.

The one stop shop for all your hospitality insurance needs!

Extensions • Alcohol and beverage extension • Damage to landscaped gardens • Cost of re-instating landscaped gardens and water features – all perils • Contamination and pollution of fish stocks • Fatal injury • External signs, blinds and canopies • Chilled and refrigerated stock Optional Covers • Buildings and contents – for B&Bs • Deterioration of stock – all risks basis • Office contents – full theft cover • Small craft • Motor – extended passenger liability • Leisure sporting facilities – greens and tees Cover • Personal lines • Cancellation of events

Bed and breakfast and guesthouse insurance / Bloodstock Hospitality, Industrial & Commercial Underwriting Managers Pty Ltd B

Postal address: 2253 Bedfordview, 2008 Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 E-mail: info@hicsa.co.za.

Website: www.hicsa.co.za Products: HIC provides coverage exclusive to B&B establishments, and smaller guesthouses with a combined asset value up to R10 000 000 and an annual turnover up to R5 000 000.

The establishment should have a maximum of 16 rooms and the manager/owner should live on site. The coverage includes property protection costs such as temporary repairs or protection measures including the hiring of watchmen; trauma counselling; comprehensive cover on

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

Personal accident and liability cover is also included. Motor coverage is available.

Risk Guard Alliance Postal address: P.O. Box 73450, Lynnwood Ridge, Pretoria, 0040 Tel: 086 110 2025 Website: www.riskga.co.za E-mail: commercial@riskga.co.za

Products: Risk Guard Alliance is a dynamic Underwriting Agency which prides itself in giving brokers and clients excellent service. We offer comprehensive insurance for all hospitality type establishments such as inns, hotels, guesthouses, game lodges, restaurants and golf courses.

Bloodstock Equipage Postal address: P.O. Box 69010, Bryanston, 2021 Phone: +27 (0)11 465 2273 or +27 (0) 11 465 2244 Fax: +27 (0)11 465 3525 Website: www.equipage.co.za Products: Equipage offers a variety of products for leisure horse owners including equine mortality cover, emergency surgical cover for

emergency life-saving surgical procedures, loss of use cover, public liability cover, personal accident cover, veterinary fee cover, tack cover (bridle and saddles) and horsebox cover. The mortality cover will cover you for death of a horse between six months and 20 years due to accident, illness, disease, theft and whilst in road transit, or if your veterinary surgeon has to put the horse down on humane grounds as a result of an accident, sickness or disease.

Equine Insurance Brokers (Pty) Ltd Postal address: P.O. Box 78035, Avondale Road, Durban, 4101 Phone: +27 (0)31 303 1017

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Fax: +27 (0)31 303 1200 Website: www.equine.co.za

Bloodstock Products: Equine Insurance Brokers offers tailormade packages to both the thoroughbred and equestrian disciplines and are brokers to breeders and owners throughout South Africa.

It must be renewed annually. Loss of use cover

can be taken out with mortality cover and provides for cover if your horse becomes totally and permanently incapable of being ridden, but its condition does not necessitate destruction for humane reasons.

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Kuda Insurance Administrators (Pty) Ltd Postal address: P.O. Box 151, Bloubergstrand, 7436 Wéhann Smith Phone: +27 (0) 21 551 7735 Fax: +27 (0) 21 555 0758 Website: www.kuda.co.za E-mail: info@kuda.co.za Products: Kuda provides comprehensive bloodstock insurance solutions covering both racehorses and sport horses. We cover the full spectrum of bloodstock assets, including foetuses and foals; horses in training and/or competition; as well as broodmares and stallions. Kuda has been highly successful at designing tailor-made insurance solutions for larger clients such as stud

farms, with a particular focus on balancing riskappetite and insurance budget.

Standard offering includes: • All risks of mortality, including death resulting from humane destruction • Theft and unlawful removal • Local transits • Lifesaving surgery and critical care benefits Optional extensions: • Public liability • Stallion infertility (including congenital stallion infertility) • International transits and quarantine • Loss of use

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Body corporate and sectional title

Body corporate and sectional title B

Auxis Underwriting Managers (Pty) Ltd Postal address: P.O. Box 100, Parklands, 2121 Richard P George Phone: +27 (0)11 783 8927 Fax: +27 (0)11 783 7212 E-mail: richard.george@lionsure.com Products: Commercial insurance, body corporate and building insurance for commercial and industrial properties. The following complementary covers are automatically included in all policies: • Theft following forcible and violent entry or exit from the building up to the full value of the building.

• Theft of landlord’s exterior fixtures and fittings removed by forcible and violent means – R5 000.

• Accidental damage to public supply connections – 100 per cent of actual repair costs.

• Loss of rent up to 30 per cent of the basic sum insured – until tenanted.

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• Accidental damage – R10 000 maximum.

• Accidental damage to glass not insured elsewhere – R10 000.

• Machinery breakdown – R10 000 maximum.

• Subsidence and landslip – R100 000.

• Leakage from sprinkler installations and other fire extinguishing installations and appliances – up to the full value.

• Damage to landscaped gardens – R5 000.

• Loss of keys – R2 500.

• Removal of trees – actual cost.

• Maintenance and cleaning equipment – R5 000.

• Swimming pool and borehole pump motors in domestic use – R5 000.

• Watchman’s fees following an insured event – R7 000.

• Geyser – repair or replacement – R10 000 per geyser.

• Property owner’s liability – R30 000 000.

• Claims preparation costs – R20 000.

Body corporate and sectional title ABACUS (Pty) Ltd Postal address: Postnet suite 221, Private bag 75 Bryanston, 2021 Willie van der Schyf Phone: 0861 33 33 88 Fax: 0861 33 33 38 E-mail: willievds@abacus-ins.co.za

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Denis Styles Phone: 0861 33 33 88 Fax: 0861 33 33 38 E-mail: deniss@abacus-ins.co.za Website: www.abacus-ins.co.za

Commercial and Industrial Acceptances (Pty) Ltd Johannesburg: Postal address: P.O. Box 615, Bedfordview, 2008 Phone: 0861 242 777 E-mail: jhb@cia.co.za Durban: Phone: 0861 242 555 E-mail: kzn@cia.co.za Cape Town: Phone: 021 914 9496 E-mail: ct@cia.co.za Bloemfontein: Phone: 051 447 0146 E-mail: bfn@cia.co.za Port Elizabeth: Phone: 041 360 1843 E-mail: pe@cia.co.za Pretoria: Phone: 0861 242 999 E-mail: pta@cia.co.za Website: www.cia.co.za

Products: CIA underwrites on behalf of Compass Insurance Company. CIA’s Sectional Title products, comply with the requirements of the Sectional Title’s 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 • Claims preparation costs

Corporate Sure Underwriting Managers (Pty) Ltd Postal address: P.O. Box 1125, Umhlanga Rocks, 4320 Phone: +27 (0)31 571 2500/2 Sharecall: +27 086 0101 305 Fax: +27 (0)31 562 8971 Website: www.corporatesure.co.za Products: C-Sure’s body corporate and sectional title product is called Corporate Sure. Among its most unique features are vital elements often omitted by most other policies, including fidelity

guarantee and trustees indemnity cover, plus unique innovations such as the all risks cover for geysers (including wear and tear and without excess). Corporate Sure not only provides extensive buildings combined and public liability insurance, but was the first to offer, in addition to this, a wide selection of complementary covers relevant to the sectional title property owner, such as subsidence and landslip cover, cover for removal of fallen trees and cover for reinstatement of landscaped gardens.

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Body corporate and sectional title / Boutiques Risk Guard Alliance B

Postal address: P.O. Box 73450, Lynnwood Ridge, Pretoria, 0040 Tel: 086 110 2025 Website: www.riskga.co.za Email: commercial@riskga.co.za

Product: Risk Guard Alliance is a dynamic Underwriting Agency which prides itself in giving brokers and clients excellent service. We offer comprehensive insurance for sectional title Body Corporates.

Boutiques Gem and Jewel Acceptances (Pty) Ltd

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Postal address: P.O. Box 70014, Bryanston, 2021 Phone: +27 (0)11 886 2919 Website: www.gemjewel.co.za

leather apparel and accessories; luggage and haute couture studios. It provides comprehensive cover for all boutique owners’ short-term insurance needs.

Products: Gem and Jewel Acceptances’ Fashion 52 policy is a one-of-a-kind policy specifically designed for boutique outlets such as ladies, gents and/or children’s clothing ranges; footwear; eyewear; accessories;

Building insurance specialist – commercial, industrial and residential property owners, whether residential, commercial or industrial, need specialist building insurance to protect their assets in terms of loss, damage or theft.

UMA Directory 2011

Boutiques / Building insurance

Building insurance B

Alexander Forbes CRE8 (Pty) Ltd Natsure Postal address: Attention Enoch Barends, P.O. Box 783542, Sandton, 2146, Guardrisk Divsion Phone: 0860 002 500 – Accommod8 Website: www.Cre8sa.co.za/Accommod8 E-mail: accommod8@cre8sa.co.za Products: Natsure-Accommod8 is designed to cater for private and commercial property

owners and provides cover for the risks to which property owners who let their property may be exposed. Natsure-Accommod8 comprises three specialised products in sectional title residential and commercial), commercial (office blocks/ flats/manufacturers/shopping centres), and homeowners, including homeowners associates (common property).

Auxis Underwriting Managers (Pty) Ltd Postal address: P.O. Box 100, Parklands, 2121 Richard P George Auxis Underwriting Managers (Pty)Ltd Phone: +27 (0)11 783 8927 Fax: +27 (0)11 783 7212 E-mail: richard.george@lionsure.com Products: Commercial insurance, body corporate and building insurance for commercial and industrial properties.

The following complementary covers are automatically included in all policies: • Theft following forcible and violent entry or exit from the building up to the full value of the building.

• Theft of landlord’s exterior fixtures and fittings removed by forcible and violent means – R5 000.

• Accidental damage to public supply connections – 100 per cent of actual repair costs.

• Loss of rent up to 30 per cent of the basic sum insured – until tenanted.

• Accidental damage – R10 000 maximum.

• Accidental damage to glass not insured elsewhere – R10 000.

• Machinery breakdown – R10 000 maximum.

• Subsidence and landslip – R100 000.

• Leakage from sprinkler installations and other fire extinguishing installations and appliances – up to the full value damage to landscaped gardens – R5 000.

• Loss of keys – R2 500.

• Removal of trees – actual cost.

• Maintenance and cleaning equipment – R5 000.

• Swimming pool and borehole pump motors in domestic use – R5 000.

• Watchman’s fees following an insured event – R7 000.

• Geyser – repair or replacement – R10 000 per geyser.

• Property owner’s liability – R30 000 000.

• Claims preparations costs – R20 000.

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Building insurance Commercial and Industrial Acceptances (Pty) Ltd B

Postal address: P.O. Box 615, Bedfordview, 2008 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: 021 914 9496 E-mail: ct@cia.co.za Bloemfontein: Phone: 051 447 0146 E-mail: bfn@cia.co.za Port Elizabeth: Phone: 041 360 1843

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E-mail: pe@cia.co.za Pretoria: Phone: 0861 242 999 E-mail: pta@cia.co.za Website: www.cia.co.za Products: CIA underwrites on behalf of Compass Insurance Company. CIA’s Property Owner’s 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 complimentary extensions.

Products include: • Inflation and escalation • Public supply connections • Loss of rent or alternative accommodation

Building insurance / Broad-form liability cover • Accidental damage • Liability • Glass • All risks (optional)

• Machinery breakdown (optional) • Claims preparation costs

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Broad-form liability cover Stalker Hutchison Admiral (Pty) Limited (SHA) Postal address: P.O. Box 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Dianne Kirk E-mail: kirkd@sha.co.za In an ever-changing world of manufacturing, 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 when necessary. The following covers are available:

• Wrongful arrest and defamation • Employers 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

• General public • 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

Network Liability Underwriting Managers (Pty) Ltd Postal address: P.O. Box 1281, Randpark Ridge, 2156 Phone: +27 (0)11 475 3585 Phone: +27 (0)11 475 0318 Website: www.networkliability.co.za Products underwritten: • Broadform liability cover • Excess of loss liability

• Event liability • Medical malpractice - cover for allied health professionals and clinics, not doctors/ dentists/specialists.

• Motor third party liability • Product liability/product guarantee/recall • Professional indemnity • Trust fund misappropriation

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Broad-form liability cover Risk Technical Services B

Postal address: P.O. Box 803, Cramer View, 2060 Phone: (011) 463 1101 Website: www.rtspi.co.za Keith Mumford 082 377 8364 E-mail: kmumford@rtspi.co.za Andrew Brown 082 654 7400 E-mail: abrown@rtspi.co.za Debbie Wozny +27 (0)11 463 1101 E-mail: dwozny@rtspi.co.za Products: RTS is a risk-bearing underwriting management agency, writing under the RMB Structured Insurance Limited umbrella providing products for the construction and engineering and allied industries.

Annual professional indemnity insurance, contractor’s professional indemnity insurance, single project professional indemnity insurance (including consequential loss cover and 10 year policies), broad-form liabilities.

Extensions include: • Defamation • Liability following employee dishonesty • Joint venture agreements • Sub-contractors liability • Loss of documents • Fee recovery • Statutory and criminal defence costs • Wrongful arrest • Innocent non-disclosure • Employers’ liability As qualified engineers, one of the differentiators the company offers is extensive experience gained during many years of having been at the coal face of insurance.

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Not wishing to usurp the role of the insurance broker, Risk Technical Services believes that with its skills, it can help both the broker and the insured in the identification of the risk profile. The staff members know exactly what’s required in the risk investigations of the workplace or site due to the in-house expertise, therefore eliminating the need for an external risk investigation.

Specialising in: • Broadform Liability • Professional Indemnity • Medical Malpractice Email Shirley Hirst on shirley@networkliability.co.za or Lorraine Cleverley on lorraine@networkliability.co.za Alternatively contact us on 011 475 3585.

Network is an Authorised Financial Services Provider FSP No. 36501. Reg. No. 2007/035127/07 Underwriting Managers for Infiniti Insurance Limited (Reg. No. 2005/029823/06, FSP No. 35914)

Betelgeuse 1984

Network is a niche underwriting agency

Specialised insurance for buildings

Specialised insurance for buildings B

CIA – Commercial & Industrial Acceptances (Pty) Ltd Contact details: Website: www.cia.co.za Johannesburg: Postal address: P.O. Box 615, Bedfordview, 2008 Phone: 0861 242 777 E-mail: jhb@cia.co.za Durban: Phone: 0861 242 555 E-mail: kzn@cia.co.za Cape Town: Phone: 021 914 9496 E-mail: ct@cia.co.za Bloemfontein: Phone: 051 447 0146 E-mail: bfn@cia.co.za Port Elizabeth: Phone: 041 360 1843 E-mail: pe@cia.co.za Pretoria: Phone: 0861 242 999 E-mail: pta@cia.co.za CIA underwrites on behalf of Compass Insurance Company. CIA’s Property Owners Combined Policy offers the widest cover available for residential, commercial and industrial properties at highly competitive

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rates. All buildings, irrespective of occupation are issued on a Combined basis including numerous complimentary 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) • Claims preparation cost

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Cash in transit

CASH IN TRANSIT Abelard Underwriting Agency

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Postal address: P.O. Box 2155, Pinegowrie, 2123 Website: www.aua.co.za Phone: +27 (0)11 326-2951 E-mail: Craig Diedericks – craig@aua.co.za

Products: Abelard Underwriting Agency offers cash-in-transit insurance only for registered transit companies. The cover features all risks assets in transit, including the fidelity risks extension.

Polygon Underwriting Physical address: Suite 1/3, Building 1 C, Centurion Gate Office Towers, Cnr John Vorster & Akkerboom St, Zwartkop, Centurion, Gauteng

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

Contact details: Phone: 086 110 3000 Fax: 086 531 3005 Website: www.polygongroup.co.za E-mail: info@polygongroup.co.za

Note: All of the above can be arranged but are not included in standard cover

Products: These cover high value items such as cash, gold, diamonds, valuable documents, fine art and jewellery while in transit or at rest. Clients are supported with intelligent and pragmatic risk management advice, enhanced

by Polygon’s expertise in the complementary disciplines of high value commodities, cash-intransit and coverage for static risks.

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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Cash in transit XL Insurance Company Limited Postal address: P.O. Box 62228, Marshaltown, 2107 Website: www.xlinsurance.com Phone: +27 (0)11 442 1111

Products: XL Insurance’s cash-in-transit product covers all risks of physical loss or damage while in transit or on premises.

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10 facts

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about CELLPHONES

1. South Africa has the most developed telecommunications network in Africa.

2. Cellphone ownership has grown from 32.3 per cent in 2001 to 72.9 per cent in 2007.

3. According to current statistics, over 180 000 cellphone handsets are stolen in SA every year.

4. According to Phonesured, one of South Africa’s leading cellular phone insurance products, 75 per cent of household insurance policies do not adequately cover cellphones.

5. Phonesured said that 23 per cent of victims of theft were using their phones or had them on display when they were targeted.

6. According to Insurance South Africa, of the 100 000 cellphones that are handed in for repair each year, 25 per cent of these phones are beyond repair.

7. If you have a contract phone and you decide not to replace the phone after it’s lost or stolen, you will still be liable to continue paying the monthly rental until the contract expires.

8. You are obliged by law to report your lost or stolen phone to the police; even if you gave the phone away you need to advise them.

9. Cellphones can be insured under household policies as specialised items, through cellular dealers (where you buy the phone) or through your service provider.

10. On average, people spend three per cent of their incomes on cellphones.

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Cellular phone insurance

Cellular phone insurance Administration Plus (Pty) Ltd (Constantia) Postal address: P.O. Box 3518, Cramer View, 2060 Phone: +27 (0)11 686 4200

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Products: Part of the Constantia Group, Admin Plus provides cellular phone insurance.

Cellular Insurance Managers (Pty) Ltd (C.I.M) Physical address: Block H, Metropolitan Office Park, 82 Wessels Road, Rivonia, 2128 Website: www.cim-online.com Phone: +27 (0)11 844 2890

Products: A full all inclusive cellphone insurance service provider for brokers, retailers, networks, dealers and individuals alike.

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Cancellation and abandonment pluvious

Cancellation and abandonment Pluvious Aon SA (Pty) Ltd (Lloyd’s Underwriters) C Postal address: P.O. Box 2130, Parklands, 2121 Website: www.aon.com Phone: +27 (0)11 944 7444 Products: Aon’s Entertainment Risk Management practice provides cancellation KEU Underwriting Managers CC Physical address: 88 Monkor Road, Randpark Ridge, 2156 Contact details: Phone: 0861 000 090 Fax: 0861 000 030 Website: www.keu.co.za Denise Hattingh E-mail: denise@keu.co.za E-mail: info@keu.co.za Products: KEU provides an all risk event cancellation policy for all events (non-personal) which are held both internally and externally.

The sum insured is usually based on the expenditure but could also be extended to include income and/or profit Specific note: • The only events not covered are personal events such as weddings and the like.

Additional perils can include: • Terrorism • National mourning • Specified SASRIA perils • Non-appearance of either an individual or group of persons • Weather

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and abandonment insurance for sports and leisure entities, event organisers, even venues and other organisations that might require such cover.

Consumer protection insurance

Consumer protection insurance Dealers Indemnity (Pty) Ltd Postal address: P.O. Box 3518, Cramerview, 2060, Johannesburg Website: www.constantiagroup.co.za Phone: +27 (0)11 784 2048 Fax: +27 (0)11 784 3742 E-mail: deni@global.co.za

C Products: Dealers indemnity (DI) specialises in consumer protection insurance specifically in the retail furniture and micro loan industry and provides cover for the retailer or micro loan company in the event of death, disability, material damage, retrenchment or extended warranty claims on the part of the consumer.

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Contractors Professional Indemnity / Court bonds

Contractors Professional Indemnity Risk Technical Services

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Postal address: P.O. Box 803, Cramer View, 2060 Phone: (011) 463 1101 Website: www.rtspi.co.za Keith Mumford – 082 377 8364 E-mail: kmumford@rtspi.co.za Andrew Brown – 082 654 7400 E-mail: abrown@rtspi.co.za Debbie Wozny – +27 (0)11 463 1101 E-mail: dwozny@rtspi.co.za Products: RTS is a risk-bearing underwriting management agency, writing under the RMB Structured Insurance Limited umbrella providing products for the construction and engineering and allied industries.

As qualified engineers, one of the differentiators the company offers is extensive experience gained during many years of having been at the coal face of insurance. Not wishing to usurp the role of the insurance broker, Risk Technical Services believes that with its skills it can help both the broker and the insured in the identification of the risk profile. The staff members know exactly what’s required in the risk investigations of the workplace or site due to the in-house expertise, therefore eliminating the need for an external risk investigation.

Annual professional indemnity insurance, contractor’s professional indemnity insurance, single project professional indemnity insurance (including consequential loss cover and 10 year policies), broad-form liabilities.

Extensions include: • Defamation • Liability following employee dishonesty • Joint venture agreements • Sub-contractors’ liability • Loss of documents • Fee recovery • Statutory and criminal defence costs • Wrongful arrest • Innocent non-disclosure • Employers’ liability

COURT BONDS Liquidation Bonding Services Postal address: P.O. Box 2784, Houghton, 2041 Marge Grove

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Phone: +27 (0)11 853 2900 Products: Liquidation Bonding Services provides court bonds for liquidated or insolvent estates.

Court bonds / Credit insurance Praestar Administration Services (Pty) Ltd Postal address: Suite No 40, Private bag X6, Westgate, 1734 Website: www.praestar.co.za Phone: +27 (0)11 764 2142 Products: Praestar offers court bonds for estates.

SGI Guarantee Acceptances (Pty) Ltd Postal address: P.O. Box 2672, Cramerview, 2060, Johannesburg Website: www.sgiga.co.za Phone: +27 (0)11 789 3352

E-mail: sgiga@sgiga.co.za Products: SGI Guarantees Acceptances offers liquidation and insolvency bonds.

credit insurance Coface SA Services (Pty) Ltd Postal address: P.O. Box 1657, Sunninghill, 2157 Website: www.cofaceza.com Phone: +27 (0)11 208 2500 Products: Coface SA Services features four credit insurance products. The Global Protector is a 12-month contract providing credit protection on all of a company’s customers, regardless of where they are located, both locally and/or internationally. The company is covered for non-payment, including political risk, in the event of an export transaction and insolvency. The Managed Protector product requires the insured to submit the month-end

age analysis on a monthly basis. In addition to the normal benefits of credit insurance, this product provides a credit management report which assists the insured in accurately and efficiently controlling the debtors’ book.

Pinnacle Protector is specifically aimed at those companies wanting to insure themselves against the insolvency of one of their larger customers. A major buyer level is agreed and all clients above this value are insured against insolvency. Lastly, the Venture Protector is a cost-effective low admin credit insurance product aimed at small to medium enterprises, with a credit turnover of less than R40 million per annum.

Credit Guarantee Insurance Corporation of Africa Limited Physical address: Head Office Gauteng, Credit Guarantee House, 31 Dover St, Randburg Phone: +27 (0)11 889 7365 Fax: +27 (0)11 886 1027 Website: www.creditguarantee.co.za E-mail: info@cgic.co.za

Anne Drynan – Senior Manager - Sales and Service Cape Town Phone: +27 (0)21 421 7830 Port Elizabeth Phone: +27 (0)41 363 4024

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Credit insurance Durban Phone: +27 (0)31 265 0300 Products: Credit Guarantee is the leading provider of trade credit insurance solutions on the African continent. If you supply on unsecured (open) credit terms, there is an undeniable risk of not getting paid.

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Standard Domestic Cover: Provides protection against non-payment of debts (e.g. due to insolvency or protracted default) incurred by debtors based in South Africa and/ or the common monetary area.

Benefits: • Protection against non-payment.

• Expert assessment of credit risks.

• Development of new markets in different industries.

• Increased market penetration.

• Continual improvement in the quality of customers and therefore a lower incidence of bad debt.

• Access to our expert advice on collection techniques.

• Lower legal costs through improved buying power of collection services.

• Enhanced financing mechanisms by providing added security to finance providers.

Standard Export Cover: Provides cover to

exporters against loss of proceeds from an export transaction, where the loss is due to payment defaults or specified political perils.

Benefits: • Protection against non-payment.

• Expert assessment of credit and country risks.

• Ability to develop new markets in different countries.

• Increased market penetration.

• Continual improvement in the quality of customers and therefore a lower incidence of bad debt.

• Enhanced financing mechanisms by providing added security to finance providers.

Business Builder – domestic: Covers credit sales from date of delivery. Appropriate for companies that do not have an extremely large turnover or an established credit management team. Minimal administration on your part.

Enhances security to your bank.

Business Builder – export: Protects you against failure to receive payment of an insured debt from an insured buyer in an insured country. This type of policy caters for companies that do not have an extremely large export turnover.

Top Tier Cover: A unique debtor’s insurance product that will de-stress financial directors.

Dealers Indemnity (Pty) Ltd Postal address: P.O. Box 3518, Cramerview, 2060, Johannesburg Website: www.constantiagroup.co.za Phone: +27 (0)11 784 2048 Fax: +27 (0)11 784 3742

E-mail: deni@global.co.za Products: Dealers Indemnity specialises in consumer protection insurance in the retail furniture and micro loan industry.

PEG Risk Protection (Pty) Ltd Physical address: 2 Argon Street, Relmar Business Park, Hermanus, Western Cape, 7200 Website: www.pegsolutions.co.za Phone: +27 (0) 28 312 3262

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Products: PEG Risk Protection offers standardised short-term credit protection products at profitable market-related rates.

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‘Heroes’

don’t always wear spandex.

Quite often, the best advice proves to be the most heroic deed.

Swoop your clients out from the villainous clutches of ‘Bad Debt’ by being certain they insure their trade debtors against non-payment with Credit Guarantee.

Call Credit Guarantee now and let us take the risk while you reap the ‘Glory’.

Gauteng (011) 889 7365. KwaZulu-Natal (031) 265 0300.

Western Cape (021) 421 7830. Eastern Cape (041) 363 4024.

Credit shortfall

Credit shortfall PEG Risk Protection (Pty) Ltd C

Physical address: 2 Argon Street, Relmar Business Park, Hermanus, Western Cape, 7200 Website: www.pegsolutions.co.za Phone: +27 (0)28 312 3262 Products: PEG Risk Protection offers standardised short-term credit protection products at profitable market-related rates.

PinnAfrica Insurance Physical address: Curzon Place, Turnberry Office Park, 48 Grosvenor Road, Bryanston, 2021 Telephone: +27 (861) 800855 Telephone: +27 (11) 244 1300 Facsimile: +27 (11) 244 1301 E-mail: za_info@pinnafrica.co.za Web: www.pinnafrica.co.za Address: Curzon Place, Turnberry Office Park, 48 Grosvenor Road, Bryanston, 2021

Products: PinnAfrica is a specialist underwriter of consumer credit protection insurance products, which includes products such as Credit Life, Credit Shortfall and other unique payment protection insurance products in the retail lending markets. PinnAfrica is a licensed FSP to carry on long and short term insurance business in South Africa.

Coface SA Services (Pty) Ltd Postal address: P.O. Box 1657, Sunninghill, 2157 Website: www.cofaceza.com Phone: +27 (0)11 208 2500 Products: Coface SA offers a range of customs and excise bonds and related bonds to

suit each client’s specific bonding needs. Its internationally recognised analysis tool enables Coface SA to provide large value bonds at internationally competitive prices. Coface offers duty deferment bonds, rebate bonds, warehouse bonds, remover of goods in bond and manufacturer for AGOA.

Praestar Administration Services (Pty) Ltd Postal address: Suite No 40, Private Bag X6, Westgate, 1734 Website: www.praestar.co.za Phone: +27 (0)11 764 2142 Products: Praestar Administration Services provides customs bonds as part of its range of performance guarantee products.

SGI Guarantee Acceptances (Pty) Ltd Postal address: P.O. Box 2672, Cramerview, 2060, Johannesburg Website: www.sgiga.co.za Phone: +27 (0)11 789 3352 E-mail: sgiga@sgiga.co.za

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Products: SGI Guarantee Acceptances’ range of products includes customs and excise – general bonds, customs rebate guarantees and warehouse guarantees.

Credit shortfall Infinite Credit Underwriting Managers t/a iCredit Physical address: 4 Alpha Place, Freewaypark, Boksburg Website: www.i-credit.co.za Phone: +27 (0)11 893 - 1250 Fax: 086 611 4878 E-mail: jkok@i-credit.co.za Products: Credit Shortfall (Top-up): • Covers the shortfall between the bank’s settlement and what is paid by the insurer thus not leaving the client with a large post settlement amount to be paid.

• We cover motor vehicle, motorbikes, trailers, caravans, minibuses (16 seater) excluding fare paying vehicles and light delivery vehicle - private and commercial.

• We cover vehicles up to 15 years old.

• Pays R3000 towards the client’s excess.

Deposit Protector: • Covers your 10 per cent deposit you paid to enable you to pay a deposit on the purchase of a replacement vehicle.

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Credit Shortfall and Deposit Protector Combined: • A discounted price if you take the combination of these two products.

Instalment Protector: • We cover your finance instalments for two months will your claim is being settled plus reducing your settlement amount with two premiums.

Credit Protection: • We settle the full outstanding debt with your credit provider in event of your death or permanent disability at an affordable price.

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Contract guarantees

Contract guarantees Construction Guarantee (Compass)

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Postal address: P.O. Box 85321, Johannesburg, 2000 Website: www.constructionguarantee.co.za Phone: 086 110 6664 E-mail: info@constructionguarantee.co.za

Products: Construction Guarantee specialises solely in construction guarantees/bonds and can structure a tailor-made solution to cater for the unique requirements of individual clients.

Praestar Administration Services (Pty) Ltd Postal address: Suite No 40, Private Bag X6, Westgate, 1734 (Mutual & Federal) Phone: +27 (0) 11 763 2075 Website: www.praestar.co.za Praestar is an underwriting manager that writes business with respect to performance bonds

and guarantee products written in terms of Section 48(3) of the short-term Insurance Act and underwritten by Mutual & Federal Insurance Company Limited.

Products: Praestar Administration Services specialises in all forms of performance contract guarantees and bonds, including construction and retention guarantees and custom bonds.

Performance and Customs Bond Services (Pty) Ltd Physical address: 6th Floor, The Atrium, 41 Stanley Avenue, Milpark, Johannesburg Website: www.pcbs.co.za Phone: +27 (0)11 482 2592 E-mail: info@pcbs.co.za Products: Recognising that credit insurance policies are currently available in the market for buyers only and not for suppliers, Performance and Custom Bonds (PCBS) offers supplier guarantees within the construction industry; for example, in the case of provision of steel and building material to contractors and other players in the industry • Bid bonds (letter of intent) • Performance guarantees • Maintenance guarantees • Retention guarantees • Advance payment guarantees • Supplier surety (construction industry only) • Customs and excise (freight forwarding)

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Construction and retention guarantees

Construction and retention guarantees AC&E Underwriting Managers cc C Physical address: 8th Floor, The Atrium, 41 Stanley Road, Milpark, Johannesburg, 2001 Website: www.engineeringace.co.za Phone: +27 (0)11 482 1635

maintenance bond, advance payment bonds (mainly for construction sites outside RSA), retention monies bonds and Eskom guarantees.

Products: AC&E offers construction guarantees/bonds including bid bonds or letters of intent, performance bonds,

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Construction and retention guarantees Praestar Administration Services (Pty) Ltd Postal address: Suite No 40, Private Bag X6, Westgate, 1734

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Products: Praestar offers all forms of performance contract guarantees and bonds including construction and retention guarantees.

(Mutual & Federal) Website: www.praestar.co.za Phone: +27 (0)11 764 2142 Performance and Customs Bond Services (Pty) Ltd Physical address: 6th Floor, The Atrium, 41 Stanley Avenue, Milpark, Johannesburg Website: www.pcbs.co.za Phone: +27 (0)11 482 2592 E-mail: info@pcbs.co.za Products: Recognising that credit insurance policies are currently available in the market for buyers only and not for suppliers, Performance and Custom Bonds (PCBS) offers supplier guarantees within the construction

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industry; for example, in the case of provision of steel and building material to contractors and other players in the industry • Bid bonds (letter of intent) • Performance guarantees • Maintenance guarantees • Retention guarantees • Advance payment guarantees • Supplier surety (construction industry only) • Customs & excise (freight forwarding)

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 011 482-2592 or visit our website at www.pcbs.co.za.

An authorised financial services provider – FSP number: 19876.

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Commercial and industrial risks

Commercial and industrial risks Ad Ultimum Outsourcing (Pty) Ltd

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Postal address: P.O. Box 9857, Centurion, 0046 Phone: +27 (0)12 345 5052 Fax: +27 (0)12 345 2676 E-mail: info@auo.co.za Website: www.adultimum.co.za Ad Ultimum provides the following affordable, tailor-made products for individuals and/or groups.

Personal short-term insurance: Includes: • All personal effects, tailor-made to individual needs.

• All risk cover for the contents of the house (householders).

• Full subsidence and landslip cover for house contents and house owners (the building).

• Personal accident cover for existing clients over 70 years, until the policy lapses/cancels.

• Trauma cover after armed robbery or attempt thereat.

Extensions: • Extended personal accident, covering costs incurred due to death of the insured and/or family members.

• Mechanical and electrical breakdown of household goods, such as fridges, TVs, etc.

• Standalone or part of package cover for breast cover, uterine cancer and cervical cancer.

• Motor hire, top-up, excess waiver under the motor section of the policy.

• Extended personal liability (PLIP) cover.

Add ons: • Roadside assistance for mechanical and electrical breakdowns or when a collision has occurred.

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• 24-FIX provides an appliance and household repair service to homeowners.

Commercial insurance: Includes: • General commercial insurance for small, medium and large type of 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.

Commercial and industrial risks Aquarius Underwriting Managers (Pty) Ltd Postal address: P.O. Box 3002, Bromhof, 2154 Drew Schnehage Deputy managing director Phone: 086 727 7854 Fax: 086 688 8361 Cell: 082 570 0359 Website: www.aum.co.za Products U-NIQUE Commercial: Our commercial product provides cover for small to medium size commercial business entities with enterprises in engineering, retail and manufacturing.

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, stated benefits, group personal accident, motor, motor traders external and internal risks, electronic equipment, machinery breakdown, loss of profits, deterioration of stock, house owners, householders and personal legal liability.

their own businesses, or for people involved in professional or entrepreneurial activity requiring broader cover to suit their U-NIQUE needs.

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We offer one policy with one premium and combine your business and personal insurance cover. Cover can be tailored to suit your client’s needs. Features simplified user-friendly wording, making it easy to see exactly what is covered.

The entire policy is on all risks basis and is rated by applying a rate to the business contents, buildings and business interruption sum insured.

Certain covers are given automatically up to an agreed limit, depending on the total sum insured.

These limits can be increased for an additional premium. Cover automatically included for glass, money, theft, fidelity guarantee, liability, accounts receivable, accidental damage and stock in transit.

U-NIQUE Entrepreneurs: This policy is specifically designed for entrepreneurs with 1Com – One Commercial Investment Holdings (Pty) Ltd Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Website: www.1com.co.za Phone: 086 1 COM JNB (086 1 266 562) E-mail: jhb@1com.co.za Products: 1Com’s general commercial risks product includes cover for 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, stated benefits, group personal accident, motor and electronic equipment. Specialised products for the hospitality industry, restaurants and entrepreneurs are also offered.

Abelard Underwriting Agency Postal address: P.O. Box, Pinegowrie, 2123 Website: www.aua.co.za Phone: +27 (0)11 326 2951

Products: Abelard offers general commercial risks products for security companies.

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Commercial and industrial risks Caretaker (Cre-8) Postal address: Guardrisk Divsion , Att: Lynn Dietrichsen P.O. Box 783542, Sandton, 2146 Website: www.caretaker.co.za Phone: 0860 002 500

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Products: Caretaker is a product of Cre-8,

which offers over 30 types of cover, including products providing legal assistance in the event of the insured wanting to proceed with legal action against a third party. The product is focused on the entrepreneurial business and small business owner.

Factory and Industrial Risk Managers Physical address: 3 River Road, Befordview, 2008 Phone: +27 (0)11 615 1640 Fax: +27 (0)11 616 3027 Website: www.facind.co.za Brian Muller – Director Phone: (0)11 615 1640 Fax: (0)11 616 3027 E-mail: brian@facind.co.za Durban: +27 (0)31 584 7720 Cape Town: +27 (0)21 671 1370 Pretoria: 082 574 9463 Eastern Cape: 082 780 4556 CIB Insurance Solutions (Pty) Ltd Postal address: Private Bag X1600, Bedfordview, 2008 Website: www.cib.co.za Phone: +27 (0)11 455 5101 Products: CIB’s general commercial insurance insures the general contents of a business against theft of stock, plant, office contents, machinery and equipment; fire cover to the building, stock, machinery, equipment, contents of your office, etc; loss of electronic and specialised equipment as a result of fire, theft, lightning and power surge; loss of documents as a result of fire and theft; loss of profits/revenue as a result of an insured event and liability cover, which can also be extended to include top-up liability for R20 million.

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Products: Factory and Industrial provides risk management services that include commercial and industrial property insurance, risk management driven underwriting and solutions, property loss prevention research and claims handling. Specialised products include industrial and hospitality risks; fire and security risk assessments; thatch/hazardous risk surveys and fire safety and protection/occupational health and safety audits; and hard-to-place risks including plastics, engineering, fibreglass gas handlers, chemicals, rubber and textiles.

Commercial and industrial risks Commercial and Industrial Acceptances (Pty) Ltd Postal address: P.O. Box 615, Bedfordview, 2008 Phone: 0861 CIA 777 or 0861 242 777 Fax: 086 613 6684 Website: www.cia.co.za

to offer the widest practical range of cover under one blanket policy and automatically include inflation and escalation protection for the building sum insured at no extra cost. CIA’S products include:

Products: CIA is an underwriting manager specialising in the insurance of buildings.

Underwriting on behalf of Compass Insurance Company, CIA is considered to be a leader in its field, providing the highest level of service excellence and customer care.

• Property Owners Combined: This 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 complimentary extensions.

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CIA’s products have been specifically designed Constantia Underwriting Agency (Pty) Ltd Postal address: P.O. Box 3518, Cramerview, 2060, Johannesburg Website: www.constantiagroup.co.za Phone: +27 (0)11 686 4200 E-mail: info@cua.co.za

Products: CUA offers commercial and industrial risk products.

Hospitality, Industrial & Commercial Underwriting Managers Pty Ltd (HIC) Physical address: 11B Riley Road, Eastwood Office Park, Bedfordview Phone: +27 11 455 5271 Fax: +27 11 455 4779 Website: www.hicsa.co.za E-mail: info@hicsa.co.za Insurance solutions across the commercial and industrial arena, including: Manufacturing - Strong focus on risk management to help intermediaries identify risks, minimise the potential impact, maximise the opportunity to improve the risk and offer an optimal insurance solution.

Retail - Comprehensive product to protect companies’ most valuable assets, with fast claims turn-around times to ensure minimum post-loss disruptions.

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

Motor fleets - Design the perfect programme for your client with options of aggregates, stop losses and deposit premiums.

Management liability - Designed for the private company with a turnover of under R50 000 000. It covers the directors’ and officers’ management liability exposures.

Conventional insurance product - Brokers now have the opportunity to offer entrepreneurial businesses and institutions tailor-made packages that will create individual value and offer professional yet personalised service.

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Commercial insurance

Commercial insurance Tradesure Underwriting Specialists (Pty) Ltd C

Postal address: P.O. Box 3512, Rivonia, 2128 Phone: +27 (86) 111 2838 Fax: +27 (86) 500 4291 Website: www.tradesure.co.za E-mail: ian@tradesure.co.za Products: Tradesure Underwriting Specialists offer commercial insurance solutions to the broker market and are underwritten by Western National Insurance Company Limited with reinsurance arranged via Africa Re. Tradesure is mandated by Western National to perform the full underwriting function and claims settlement, giving the flexibility to provide an exemplary service to brokers and mutual clients.

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Includes: • Full Multimark cover • Combined fire limit of R74 100 000 per premises Extensions: • Roadside assistance • Car hire • Own damage excess reducer

Commercial insurance Garagesure Consultants and Acceptances (Pty) Ltd Postal address: P.O. Box 3375, Randburg, 2125 Website: www.garagesure.co.za Phone: +27 (0)11 7916602 Fax: +27 (0) 701 6361 Leslie Mitchel – Managing director

Email: leslie@garagesure.co.za

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Products: Retail fuel insurance specialists offering niche underwriting skills for both commercial insurance and retail fuel guarantees.

Risk Guard Alliance Postal address: P.O. Box 73450, Lynnwood Ridge, Pretoria, 0040 Website: www.riskga.co.za Email: underwriting@riskga.co.za

businesses ranging anything from your one man owned/manned office to large factories and warehouses as well as retail ventures.

Product: Risk Guard Alliance is a dynamic underwriting agency which prides itself in giving brokers and clients excellent service.

We offer insurance for small to large sized

FSP No. 4467

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i - BU R E AU

A ‘Zero’ cost solution for brokers

Our web based solution allows brokers to log in, produce and administer policies, gain access to multiple major facilities previously unavailable to them and to compare quotes online… all for free!

Our i-Burea u offering is h o ste d a t I nnovation Group and no t o n yo u r pre mis e s, p rovi di n g a cce ss v ia t he we b .

T he ‘ high level’ pri ma ry ad vantag e s are :

• • • • •

• • •

• • •

No license fees. Innovation Group is remunerated by the Insurer with no charge to the broker.

Previously unavailable facilities are made available to brokers by Insurers as a result of the i-Bureau aggregation model.

Comparing multiple quotes as an extended facility.

Conducting reporting based on your specifications and providing you with your exact requirements as and when needed.

Financials, back office administration and collections are done by the i-Bureau staff eliminating the need for brokers to staff up in this specialised area.

Built-in FAIS, PPR and Statuary requirements.

The system is updated as and when they change, ensuring that you remain compliant.

Policy administration and paperless claims processing.

Improving business processes by providing Business Analysts that assist in developing new Value Added Products (VAPs) as and when you require them.

A helpdesk assisting with all queries and training requirements in all aspects of our offering.

We boast a very large base of delighted customers. You can use the i-Bureau system alongside your existing system(s), or if you wish, your existing data on your current system can be migrated to our i-Bureau system eliminating the need for manual capturing.

Our i-Bureau offering has been serving the insurance industry for 25 years, with many years of experience and development built into the offering. It is highly configurable with best practices built into its very core, but the best of all, it’s free.

We are ISO 9001 compliant and were recently nominated as one of SA’s top ICT companies and Top 300 companies positioning us as the leading provider of Specialised Business Process Outsourcing in South Africa. The Gartner Group has rated Innovation Group as one of the top 4 Business Process Outsourcing companies worldwide.

Innovation Group is a level 4 BBBEE contributor.

We want to enable you to ‘stick to your knitting’ and let us worry about the rest.

Managing Business Continuity and Disaster Recovery thereby removing the burden from you.

Intuitive and user friendly, menu driven system architecture, designed by experienced practitioners in the industry, who have previously held line management and executive positions within insurers and brokerages.

Fourways Office Park, Building 7, Cnr Roos & Fourways Boulevard, Fourways, 2055, Private Bag x99, Bryanston, 2021 T: +27 (0) 11 790 5248, F: +27 (0) 11 790 5291, E: info@za.innovation-group.com

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Directors’ and officers’ liability insurance

Directors’ and officers’ liability insurance Aquarius Underwriting Managers (Pty) Ltd D E

Postal address: P.O. Box 3002, Bromhof, 2154 Drew Schnehage Deputy Managing Director Phone: 086 727 7854 Fax: 086 688 8361 Cell: 082 570 0359 www.aum.co.za Product: U-NIQUE liability: From January 2011 Aquarius Underwriting Managers will be offering a wide range of products in the liability and professional indemnity fields. The liability products include broad form commercial general liability, excess of loss, umbrella liability, directors and officers liability and employment practice liability.

All of these products are designed to protect

the business or an individual against costs that they become legally liable to pay as a result of negligence in carrying out business activities that cause harm to others.

The professional indemnity products indemnify a professional against losses suffered by them after they have become liable to pay compensation to their client because they were negligent or made a mistake in providing their client with professional services.

All of the products cover the elements of awards, settlements and legal defence costs incurred by the insured.

Camargue Underwriting Managers (Pty) Ltd Postal address: Postnet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 356 4842 Website: www.camargueum.co.za Products: Camargue’s directors’ and officers’ liability product covers any actual or

alleged breach of contract, breach of duty, breach of trust, act, error, neglect, omission, misstatement, misleading statement, breach of warranty of authority, or any claim against them for serving the capacity of director or officer for a company. It is an annual policy.

Abelard Underwriting Agency Postal address: P.O. Box 2155, Pinegowrie, 2123 Phone: +27 (0)11 326 2951 Website: www.aua.co.za

Products: Abelard Underwriting Agency’s product line includes directors’ and officers’ liability cover, which can provide protection to both the company and estates of the individual directors, members and officers.

General and Professional Liability Acceptances (Pty) Ltd Postal address: P.O. Box 2667, Fourways, 2055 Stuart Sinclair Phone: +27 (0)11 706 0911 E-mail: stuart@gpla.co.za

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GPLA underwrites on behalf of Lloyd’s of London and cover includes: • Directors’ and officers’ liability • Company reimbursement • Employment practices liability

Directors’ and officers’ liability insurance • Entity cover • Fiduciary liability • Loss of documents Extensions: • Reinstatement of the limit for non-executive • Seepage and pollution defence costs

• Inquiries and investigation costs • Occupational health and safety defence costs • Representation costs • Assets and liberty costs • Fines and penalties cover • Not-for-profit outside board extension • Advancement of defence costs cover

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Stalker Hutchison Admiral (Pty) Limited (SHA) Postal address: P.O. Box 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Alan Taylor E-mail: taylora@sha.co.za Products: 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, 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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10 facts

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about directors & officers

1. Increased shareholder activism and the extension of liability to a wider class of persons means SA is likely to follow the trend in the UK and Australia where there has been an increase in litigation against companies, their officers and directors.

2. Directors of BP Plc, the largest producer of oil and natural gas in the Gulf of Mexico, were sued by investors who contend they were negligent in failing to monitor safety operations before the massive spill in 2010.

3. The BP lawsuit lists potential damage claims of about $2.5 billion to the Gulf fishing industry; $3 billion to tourism; $700 million in remediation efforts so far; $6 million a day in continuing costs and incalculable damages to BP’s reputation.

4. The directors of Bernard Madoff’s UK operation have been sued for $80 million for allegedly allowing the New York broker to funnel fraudulent payments for family expenses and to co-conspirators through London.

5. American International Group Inc.’s directors’ and officers’ insurers will pay $150 million in a derivative lawsuit settlement approved by a Delaware court in January 2011.

6. According to insurer Chartis, claims against directors and officers have doubled in the past four years in Australia.

7. In the UK, the market for company insurance is forecast to grow by 27 per cent to £596 million by 2013.

8. Trends show that at times of mergers and acquisitions, shareholders place the affairs of the company under scrutiny and as a result directors’ and officers’ liability claims increase.

9. The new Companies Act makes no distinction between executive and non-executive directors for personal liability.

10. The increased emphasis on directors’ and officers’ liability in the Companies Act will put business leaders who have multiple board memberships at a high risk.

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Directors’ and officers’ liability insurance / Employment practices liability

Employment practices liability Camargue Underwriting Managers (Pty) Ltd Postal address: Postnet 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 356 4842 Website: www.camargueum.co.za

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Products: Camargue’s employment practices liability insurance provides cover for a company against allegations such as

unfair dismissal, discharge or termination of employment, discrimination, sexual harassment or victimisation, unfair failure to employ and defamation. The cover comes into force when the company faces a formal administrative or regulatory proceeding, an arbitration proceeding or receives a written demand for monetary damages.

Leppard and Associates Underwriting Phone: +27 (0)11 459 1640 Website: www.leppard.co.za

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

Stalker Hutchison Admiral (Pty) Limited (SHA) Postal address: P.O. Box 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Dianne Kirk E-mail: kirkd@sha.co.za

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Products: In addition to directors’ and officers’ liability, Stalker Hutchison Admiral offers liability insurance for errors and omissions.

Engineering risks and engineering insurance

Engineering risks and engineering insurance C & G Underwriting Managers Johannesburg 349 Columbine Ave Mondeor Johannesburg 2001 Tel: +27 (0)11 838 6957 Fax: +27 (0)11 832 1477 Doug Chisholm Cell: +27 (0) 82 967 0606 E-mail: dougc@coim.co.za Web: www.engineeringunderwriters.co.za Cape Town 1st Floor Stonefountain Terrace 95 Klipfontein Road Rondebosch Cape Town 7700

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• Erection all risks • Project delay/advanced loss of profits • Completed civil engineering risks • Removal of support risks • Plant all risks • Machinery breakdown • Deterioration of stock • Works damage • Electronic equipment Guarantees: • Performance guarantees • Retention guarantees • Advanced payment guarantees • Bid/tender guarantees

Tel: +27 (0) 21 685 1879 Fax: +27 (0) 21 685 5270 Mike Robson Cell: +27 (0) 82 447 5969 Email: miker@coim.co.za Web: www.engineeringunderwriters.co.za Products: Site Risk Insurance: • Contractors All Risks

One Commercial Investment Holdings Postal address: Postnet Suite 221, Private Bag X75, Bryanston, 2021 Phone: +27 (0) 86 1 COM JNB +27 (0) 86 1 266 562 Website: www.1com.co.za Products: 1Com offers the full spectrum of engineering cover from plant all risks to dismantling, transit and erection. Other

products include contract all risks and erection all risks (EAR), comprehensive all risks covers intended for the erection of anything from private houses, cluster homes, small blocks of flats up to large projects such as sugar mills, power stations and the like.

Machinery breakdown cover, deterioration of stock cover, loss of profits and stand-alone contractors’ liability are also offered.

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Engineering risks and engineering insurance AC & E Underwriting Management CC Physical address: 8th Floor, The Atrium, 41 Stanley Road, Milpark, Johannesburg, 2001 Phone: +27 (0)11 482 1635 Website: www.engineeringace.co.za

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Cover (EPIC) is a combination of contract all risks and erection all risks cover on the same project.

Such cover would be used, for example, for the construction of a dam and the hydroelectric power plant that would be built with it.

Products: AC & E’s Engineering Project Insurance CIB Engineering Postal address: Private Bag X1600, Bedfordview, 2008 Phone: +27 (0) 11 455 5101 Website: www.cib.co.za Products: CIB Engineering provides specialist

insurance for civil, building, mechanical, electronic, chemical and power generation projects, including any risk associated with the construction or erection. Products include contract all risks, plant all risks and erection all risks as well as electronic equipment insurance.

Consort Technical Underwriting Managers (Pty) Ltd Postal address: P.O. Box 520, Banbury, 2164 Phone: +27 (0)11 658 1156 Website: www.consort.co.za

Products: Consort’s contractors’ all risks insurance covers all types of building and civil engineering construction and indemnifies the insured against the hazards which may threaten

TRUSTED ENGINEERING INSURANCE

We offer • 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)

Contact us on +27 11 658 1156 www.consort.co.za Consort Technical Underwriting Managers (Pty) Ltd is an Authorised Financial Service Provider. FSP No. 2273

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Engineering risks and engineering insurance works under construction. In addition, Consort is also able to cater for erection all risks, contractors third party liability, plant all risks,

electronics all risks, machinery breakdown and loss of profits following machinery breakdown.

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Emerald Risk Transfer (Pty) Ltd Postal address: Suite 354, Private Bag X51, Bryanston, 2021 Phone: +27 (0)11 658 8200 Website: www.emeraldsa.co.za

Products: Through Santam’s corporate business unit, Emerald Risk Transfer provides property insurance solutions for large industrial and commercial risks.

Firedart Engineering Underwriters (Pty) Ltd Postal address: P.O. Box 62660, Marsheltown, 2107 Phone: +27 (0)11 833 1400 Cape Town: +27 (0)21 914 7225 Website: www.firedart.co.za

including contract works, erection all risks; plant all risks, machinery breakdown, including business interruption and deterioration of stock, and works damage.

Products: Firedart provides a variety of products that cater for the engineering sector

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Engineering risks and engineering insurance Hospitality, Industrial & Commercial Underwriting Managers Pty Ltd (HIC) Physical address: 11B Riley Road, Eastwood Office Park, Bedfordview Phone: +27 11 455 5271 Fax: +27 11 455 4779 Website: www.hicsa.co.za E-mail: info@hicsa.co.za

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Our Seamless product includes renovations and alterations to existing structures or the building of new structures within the hospitality industry only such as bed & breakfast establishments, lodges, guesthouses, restaurants, hotels, conference and convention centres; game farms and

lodges and timeshares 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 optional extensions.

We also offer contract all risk covers, project delay cover, loss of forecast income due to postponement of operations following an insured event as well as a full range of sections to provide cover for the business operation.

Mirabilis Engineering Underwriting Postal address: P.O. Box 2081, Saxonwold, 2132 Phone: +27 (0) 861 100 100 Website: www.mirabilisafrica.com Products: Mirabilis offers a range of engineering insurance cover that provides for all engineering needs. These include contractors’

all risk, erection all risks, contractors’ third party liability, machinery breakdown and plant all risks cover. Mirabilis’ Engineering Project Insurance Cover (EPIC) product combines the benefits of the contractors’ all risks and erection all risks policies to close any possible gaps in cover and to reduce administration.

Namibia Special Risk Acceptances Physical address: Unit 8 33-35 Garten Strasse Windhoek Ferenc Polgar Tel: +264 61 402 393 Fax: +264 61 402 394 E-mail: info@nasra.co.na Web: www.nasra.co.na

Products: Truly Namibian short-term insurance business, focusing on the specialist and commercial market segments.

• Aviation • Engineering • Property • Construction related guarantees • Liability

Scintilla (Hollard) Postal address: P.O. Box 2770, Houghton, 2041 Phone: +27 (0)11 646 1715 Website: www.scintilla.co.za E-mail: brad@scintilla.co.za Products: In addition to contractors’ all risks (works, third party liability, advanced loss of

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profits), plant all risks and machinery breakdown cover, Scintilla has a civil engineering completed risks product, which covers civil engineering projects against natural hazards after construction is completed and can cover loss of profits as a consequence of the damage. Scintilla also offers electronic equipment and loss of profits cover.

Engineering risks and engineering insurance

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FDM Engineering Underwriters (Pty) Ltd Postal address: P.O. Box 10522, Fonteinriet, 1464 Phone: +27 (0)11 823 6368 E-mail: Fergus@oaktreesa.co.za

Products: FDM offers a number of products related to engineering risks including contractors all risks and contractors’ liability insurance, plant all risks and machinery breakdown/loss of profits covers.

RHM Technical Services (Pty Ltd Postal address: P.O. Box 1352, Sunninghill, 2157 Phone: +27 (0)11 803 6310 Fax: +27 (0)11 803 6315 Website: www.rhm.co.za Products: As a specialist engineering and contracting underwriting manager, RHM provides indemnity in the following classes of products:

• Machinery breakdown • Machinery breakdown and loss of profits • Contract works and public liability • Electronic equipment • Plant all risks • Transit dismantling and erection risks • Works damage

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Environmental impairment liability

Environmental impairment liability One Commercial Investment Holdings (Pty) Ltd D E

Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: +27 (0)86 1 COM JNB +27 (0)86 1 266 562 Website: www.1com.co.za Products: 1Com’s pollution liability insurance is designed to address environmental liability risks. Any transporter who carries dangerous goods is required by law to have adequate pollution liability cover.

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Environmental impairment liability Synergy Environmental Underwriters Postal address: P.O. Box 1623, Mondeor, 2110 Phone: +27 (0)11 432 3538 E-mail: peter@starsol.co.za

Products: Synergy Environmental Underwriters offers cover for clean-up costs for the spill of hazardous chemicals.

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Envirosure Underwriting Managers Physical address: 584 Umbilo Road, Durban Phone: +27 (0)31 205 4918 Products: Envirosure Underwriting Managers’ environmental liability and clean-up

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

Leppard and Associates Underwriting Postal address: P.O. Box 2730, Houghton 2041 Phone: +27 (0)11 459 1640 Website: www.leppard.co.za

hazardous material and spillage cleanup policies, which cover the costs for environmental clean-ups related to the spillage of hazardous materials and chemicals.

Products: Leppard offers environmental

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Event liability

Event liability KEU Underwriting Managers CC Physical address: 88 Monkor Road, Randpark Ridge Contact details: Phone: 0861 000 090 Fax: 0861 000 030 Website: www.keu.co.za Denise Hattingh E-mail: denise@keu.co.za E-mail: info@keu.co.za

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Products: KEU’s event liability product provides cover for event organisers and managers. The product are extended to include • Emergency medical expenses • Spread of fire • Legal defence costs • Wrongful arrest and defamation

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• Collapse of temporary structure, • Food and drink These could also be further extended to include: • Sub-contractors • Participants

Event liability / Excess of loss liability Network Liability Underwriting Managers (Pty) Ltd Postal address: P.O. Box 1281, Randpark Ridge, 2156 Phone: +27 (0)11 475 3585 Phone: +27 (0)11 475 0318 Website: www.networkliability.co.za

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Products underwritten: • Broadform liability cover • Excess of loss liability • Event liability • Medical malpractice - cover for allied Health Professionals and clinics, not doctors/ dentists/specialists.

• Motor third party liability • Product liability /product guarantee/recall Synergy Targeted Risk Solutions PTY Ltd Postal address: P.O. Box 1623, Mondeor, 2110 Phone: +27 (0)11 432 3538 E-mail: peter@starsol.co.za

Products: Synergy Targeted Risk Solutions specialises in general broad-form liabilities cover comprising premises/operations, products, recall/replacement and employers, including excess of loss exposures.

Excess of loss liability Abelard Underwriting Agency (Pty) Ltd Postal address: P.O. Box 2155, Pinegowrie, 2123 Phone: +27 (0)11 326 2951 Website: www.aua.co.za

Products: Abelard’s general public liability products include excess layers and umbrella covers which can supplement the general public liability product.

Stalker Hutchison Admiral (Pty) Limited (SHA) Postal address: P.O. Box 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Alan Taylor E-mail: taylora@sha.co.za

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Excess of loss liability Network Liability Underwriting Managers (Pty) Ltd Postal address: P.O. Box 1281, Randpark Ridge, 2156 Phone: +27 (0)11 475 3585 Phone: +27 (0)11 475 0318 Website: www.networkliability.co.za

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Products underwritten: • Broadform liability cover • Excess of loss liability

• Event liability • Medical malpractice - cover for allied health professionals and clinics, not doctors/ dentists/specialists.

• Motor third party liability • Product liability/product guarantee/recall • Professional indemnity • Trust fund misappropriation

One Commercial Investment Holdings (Pty) Ltd Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: +27 (0)86 1 COM JNB +27 (0)86 1 266 562 Website: www.1com.co.za Products: 1Com’s commercial Tulip (Top-Up Umbrella Liability Insurance Policy) provides three

forms of cover in addition to the cover provided by an underlying liability policy (general public liability, motor and employers’ liability).

These are: • Excess layer protection.

• Difference in conditions protection.

• Additional risks protection.

Leppard and Associates Underwriting (Pty) Ltd Postal address: P.O. Box 2730 Houghton, 2041 Phone: +27 (0)11 459 1640 Website: www.leppard.co.za Synergy Targeted Risk Solutions Postal address: P.O. Box 1623, Mondeor, 2110 Phone: +27 (0)11 432 3538 E-mail: peter@starsol.co.za Products: Synergy Targeted Risk Solutions specialises in general broad-form liabilities cover comprising premises/operations, products, recall/replacement and employers, including excess of loss exposures.

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Products: Among Leppard and Associates’ range of liability products is excess layers and umbrella cover, which provides top-up cover for existing liability insurance.

Extreme activities cover

Extreme activities cover Praesidio Risk Managers (Pty) Limited Postal address: P.O. Box 3337, Cramerview, 2060 Phone: +27 (0)11 521 4118 Website: www.praesidio.co.za

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Products: Praesidio’s extreme risks product provides up to R1 million cover in the case of accidental death and disability whilst participating in any activity deemed to be extreme, such as skydiving, bungee jumping, mountaineering, white-water rafting, yachting, cave diving and skin diving.

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Factory and industrial / Fidelity guarantee

Factory and industrial Factory and Industrial Risk Managers Postal address: P.O. Box 615, Bedfordview, 2008 Phone: +27 (0)11 615 1640 Fax: +27 (0)11 616 3027 Website: www.facind.co.za Brian Muller – Director Phone: (0)11 615 1640 Fax: (0)11 616 3027 E-mail: brian@facind.co.za Durban: +27 (0)31 584 7720 Cape Town: +27 (0)21 671 1370 Pretoria: 082 574 9463 Eastern Cape: 082 780 4556

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Products: Factory and Industrial provides risk management services that include commercial and industrial property insurance, risk management driven underwriting and solutions, property loss prevention research and claims handling. Specialised products include industrial and hospitality risks; fire and security risk assessments; thatch/hazardous risk surveys and fire safety and protection/occupational health and safety audits; and hard-to-place risks including plastics, engineering, fibreglass gas handlers, chemicals, rubber and textiles.

Woodworking Risk Acceptances Postal address: P.O. Box 3464, Pietermaritzburg, 3200 Phone: +27 (0)33 394 3690 Fax: +27 (0)33 394 3680 Website: www.wra.co.za Brian McGrath – Managing director E-mail: Brian@wra.co.za Products: Woodworking Risk Acceptances provides cover specifically for the timber and

plastics industry, including factories, sales shops and retail outlets.

Includes: • Claims preparation costs • Medical rescue • Personal accident • Labour relations advice • Large tyre cover for farming vehicles • Water bombing cover

Fidelity guarantee Stalker Hutchison Admiral (Pty) Limited (SHA) Postal address: P.O. Box, 55347 Northlands, 2116 Postal address: 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Alan Taylor E-mail: taylora@sha.co.za • Financial institutions, bankers’ blanket bond and computer crime for financial institutions.

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• Directors’ and officers’ liability, errors and omissions and fidelity guarantee.

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Fidelity guarantee Phoenix Underwriting Managers Postal address: P.O. Box 1888, Gallo Manor, 2052 Phone: + 27 (0)11 656 6035/4 Website: www.phoenixum.co.za E-mail: info@phoenixum.co.za Ana Mullins – Managing director E-mail: ana@phoenixum.co.za Michele Botha – Director E-mail: michele@phoenixum.co.za

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Products: Phoenix Underwriting Managers underwrites on behalf of Compass Insurance Company Limited and is supported by the Hannover Reinsurance Group Africa. Products protect employers against loss of money or property sustained as a direct result of employee fraud, theft or dishonesty. The increase in computer fraud, especially where electronic data and asset

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transfers are concerned, is also considered. Cover includes reimbursement for loss resulting from: • Dishonesty • Fraud • Loss of property • Loss from loans or trading committed by an employee for improper personal financial gain • Defence costs, judgements and settlements are accommodated

Film producers’ indemnity/Film and entertainment

Film producers’ indemnity/Film and entertainment KEU Underwriting Managers CC Postal address: Suite 125, Private Bag X10030, Randburg, 2125 Contact details: Phone: 0861 000 090 Fax: 0861 000 030 Website: www.keu.co.za Denise Hattingh E-mail: denise@keu.co.za E-mail: info@keu.co.za

Additions include: • Animal mortality • Personal accident • Hired-in vehicles • Action vehicles

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Products: KEU Underwriting Managers covers production companies involved in filming television series, feature films, documentaries, music videos and commercials.

Products include: • Nominated key cast and crew • Negative/videotape • Faulty stock • Props, sets and wardrobe • Hired-in equipment • Third party property damage (location) • Extra expenses • Public liability • Employers’ liability

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10 facts

about Film Producers’ Indemnity

1. Fireman’s Fund Insurance Company, a division of Allianz, is the leading insurer of major Hollywood films, insuring 80 per cent of all films produced in the US. 2. In 2010, Fireman’s Fund insured 57 films, including Harry Potter and the Deathly Hallows: Part 1, Inception, Iron Man 2, The Social Network, Alice in Wonderland and the animated film Despicable Me. 3. The largest number of fatalities in the production of a film occurred during the shooting of the 1931 film Viking. Twenty-seven people died, including the director and cinematographer, when a ship they were shooting from exploded in the ice off the coast of Newfoundland.

4. In one afternoon’s Casino Royale film shooting, three Aston Martin DBS cars valued at $300 000 each were destroyed for the car roll sequence.

5. Mel Gibson and Robert Downey Jr. have been close friends since filming Air America together. Gibson personally paid Downey’s insurance bond for 2003’s The Singing Detective, thus allowing the actor to begin his comeback (he couldn’t get movie work before that, as nobody was willing to insure him).

6. The record for the highest free-fall stunt is 220 feet . It was set during the filming of 1981’s Sharky’s Machine (starring Burt Reynolds). The stunt was shot at The Westin Peachtree Plaza Hotel in Atlanta, Georgia, and the stuntman was the late Dar Robinson (who later died while performing a routine stunt in 1986).

7. During filming of Pirates of the Caribbean: Dead Man’s Chest, the cast and crew had to be evacuated to Los Angeles because of Hurricane Wilma.

8. During the making of the movie Fight Club, actor Brad Pitt chipped his tooth. However, he did not get his tooth capped until after filming as he thought it would look better chipped for his character.

9. The Running W was a trip wire to make horses fall over at the critical moment during filming. The device broke countless horses’ legs and necks. It is now illegal.

10. With an alleged budget of $280 million, Avatar was one of the most expensive movies ever.

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Film producers’ indemnity/Film and entertainment Film and Entertainment Underwriters SA (Pty) Ltd Postal address: Suite 244 Private Bag X17, Weltevreden Park, 1715 Clive Shelver - Managing Director Phone: +27 (0)11 431 3694 E-mail: clive@feusa.co.za Fax: +27 (0)11 431 1488 Website: www.feusa.co.za Products: Film and Entertainment Underwriters SA specialise in insurance products that are specific to the film and entertainment industries, such as insurance for television commercials, television series, documentaries, music videos and entertainment events.

• 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 • Employers’ liability • Motor insurance for hired-in vehicles / action vehicles • Cancellation, abandonment and weather related risks • Animal mortality • Events liability

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Products include: • Package covering key cast and crew • Negative and video tape all risks • Faulty stock/camera and processing • Props, sets and wardrobe

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Flight cover – aircraft owner requirements / Fuel guarantee cover and filling station cover

Flight cover – aircraft owner requirements Zurich Aviation Underwriting Managers

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Postal address: P.O. Box 2747, Lonehill, 2062 Phone: +27 (0)11 467 7164 Fax: +27 (0)11 465 1249 Website: www.zurich.co.za Jan Coetzee E-mail: jan@zurichaviation.co.za Nicolas Botha E-mail: nic@zurichaviation.co.za Products: Zurich Aviation covers small aircraft – vintage or new – piston or jet engines, microlights and hot air balloons.

Products include: • Aircraft hull all risks indemnifies against accidental loss or damage to aircraft.

• Microlight policies cover the craft while in flight, on the ground or in transit.

• Aircraft hull war risks covers loss or damage to aircraft emanating from war, riots, strikes, malicious damage and confiscation by governments of non-registry.

• Legal liability covers all liabilities to passengers and third parties.

• Hull deductible insurance.

• Repairer’s liability insurance covers legal liabilities arising from activities emanating from aircraft in clients’ care, custody or control and loss arising from defective workmanship.

• Hot air balloon insurance includes the balloon and liability to third parties and passengers.

• Personal accident insurance covers pilots and passengers while on board the aircraft.

Santam Aviation Postal address: P.O. Box 55182, Northlands, 2116 Phone: +27 (0)11) 912 8000 Fax: +27 (0)11 347 9026

• Third party cover, excluding passengers.

• Excess buy-down insurance. Santam also provides aviation products for the commercial and private sector.

Products: Santam Aviation offers comprehensive hull, third party and passenger insurance on all aviation risks. Clients have the option to insure the hull for full flight or ground risks.

Includes: • Aerodromes • Hangarage • Landing strips • Repairers • Refuellers

Liability cover includes: • A combination of third party and passenger liability insurance.

Fuel guarantee cover and filling station cover Garagesure Consultants and Acceptances Postal address: P.O. Box 3375, Randburg, 2125 Phone: + 27 (0)11 791 6602 Fax: +27 (0)11 701 6361 Website: www.garagesure.co.za

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Leslie Mitchell – Managing director E-mail: leslie@garagesure.co.za Products: Retail fuel insurance specialists offering niche underwriting skills for both commercial insurance and retail fuel guarantees.

Fuel guarantee cover and filling station cover 1Com – Bonds and Guarantee – Refine Fuel Guarantee and Refine PLUS S/Term Insurance for Service Stations Website: 1com.co.za Durban Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: 086 1 266 326 E-mail: dbn@1com.co.za Cape Town Postal address: Postnet Suite 41, Private Bag X22, Tygervalley, 7536 Phone: 086 1 266 278 E-mail: cpt@1com.co.za Pretoria Postal address: P.O. Box 1096, Montana Park, 0159 Phone: 086 1 266 778 E-mail: pta@1com.co.za Pietermaritzburg Postal address: Postnet Suite 120, Private Bag X9005, Pietermaritzburg 3200 Phone: 086 1 266 792 E-mail: pmb@1com.co.za Port Elizabeth Physical address: 175 Cape Road, Mill Park,

Port Elizabeth, 6001 Phone: 086 1 266 735 E-mail: pe@1com.co.za F G

Johannesburg Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: 086 1 266 562 E-mail: jhb@1com.co.za Products: 1Com provides fuel guarantee products for retail and commercial purposes.

Retailer or service station products allow owners to trade on a debit payment system instead of pre-payment. The refine fuel guarantee can be used as a replacement for existing bank guarantees, enabling retailers to reinvest capital into the business.

Commercial policies are suited to bulk fuel product users including transporters, wholesalers, resellers, construction companies, farmers and mining operations. The refine fuel guarantee complements other securities required by fuel companies for a credit facility, such as deposits, bank guarantees, bonds over assets, cession of book debts and investments.

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Goods-in-transit/inland transit

Goods in transit/inland transit Absolute Underwriting Managers

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Absolute Underwriting Managers’ products fall under the auspices of 1Com. Senate Transit Underwriters Postal address: P.O. Box 10402, Centurion, 0046 Phone: +27 (0)12 663 1004 Fax: +27 (0)12 663 1518 Website: www.senate-net.co.za E-mail: enquiries@senate-net.co.za Debbie de Wet – Underwriter E-mail: Debbie@senate-net.co.za Products: Senate underwrites on behalf of Mutual & Federal Risk Finance Ltd and provides all forms of goods in transit cover for transport

companies, logistics companies and transport brokers, as well as cash in transit business.

Includes: • Transport company policy covers goods transported.

• Transport broker contingent policy covers non-payment of claims by subcontractors.

• Carrier’s liability policy covers legal liability of the insured.

• Excess buy-down cover.

• Owner goods policy covers all goods in transit risks to property owned by the insured.

• Cash in transit policy covers cash risk whilst in transit.

Astra Maritime Underwriting Managers Postal address: P.O. Box 1761, Cramerview, 2060 Phone: +27 (0)11 513 5000 Website: www.astra-maritime.co.za Steven Forcey

E-mail: stevenf@astra-maritime.co.za Products: Astra Maritime Underwriting Managers underwrites on behalf of Hollard Insurance Company. Goods in transit cover falls within the ambit of its marine protection policies.

Associated Marine Underwriting Johannesburg Postal address: P.O. Box 55182, Northlands, 2116 Phone: +27 (0)11 912 8213 Petra Fordyce E-mail: petra.fordyce@amua.co.za Cape Town Phone: +27 (0)21 401 8104 Keith Millard E-mail: keith.millard@amua.co.za Durban Phone: +27 (0)31 203 4234 Sonitha Mahadasen E-mail: sonitha.mahadasen@amua.co.za

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Port Elizabeth Phone: +27 (0)41 393 6369 Chris Pyke E-mail: chris.pyke@amua.co.za Products: Associated Marine Underwriting offers a combined goods in transit and carriers’ policy for road transport, including liability cover for transport contractors carrying goods belonging to another party.

Cargo owners are covered for losses suffered when goods are damaged or lost during transport. Legal liability is available for transport contractors who are at fault in the event of cargo loss or damage. Salvage

Goods-in-transit/inland transit recovery and load costs, to remove and transport goods from public roads following a collision, are also provided for. Packaging materials, receptacles, covers, boxes, labels and second-hand, reconditioned and refurbished goods are included. Provision is made for the legal costs and expenses that transporters incur when found to have been negligent following cargo loss or damage.

Options available include cover for loss or damage to shipping containers, tarpaulins, nets, chains and ropes, etc.

Beyonda (Pty) Ltd Postal address: P.O. Box 1860, Bedford View, 2008 Contact details: Phone: +27 (0)11 023-6561 Fax: +27 (086) 600 0964 Website: www.beyonda.co.za E-mail: gerharddb@beyonda.co.za Products: As pioneers of excess buy down products Beyonda provides clients with all their commercial vehicle excess/deductible requirements. Beyonda is also proud to announce that we now offer comprehensive Goods in transit cover. Protect your cashflow by insuring your excesses.

Our value-added products include: • Own damage excess buy down • Theft/hijack excess buy down • Penalty excess buy down • Goods in transit excess buy down • Loss of use/income cover • Credit shortfall • Deposit protector • Tow fee top-up cover • Stand-alone windscreen cover

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Goods in transit/inland transit Cargo Transit Insurance (PTY) Limited

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Postal address: P.O. Box 22195, Helderkruin, 1733 Phone: Switchboard: +27 (0)11 768-3087 / +27 (0)11 768 3287 Fax: +27 (0)11 669 2240 Peter Moodley Phone: +27 (0)11 768-4622 (direct) Fax: +27 (0) 86 683 1536 E-mail: peter.moodley@cargotransit.co.za

Feroza Evans Phone: +27 (0)11 768-6244 (direct) Fax: +27 (0) 86 681 6618 E-mail: feroza.moodley@cargotransit.co.za Zainub Shaikh Phone: +27 (0)11 768-3859 (direct) Fax: +27 (0) 86 681 1085 Email: zainub.shaikh@cargotransit.co.za Products: Specialising in marine & transit Insurance

Merx HCV Postal address: P.O. Box 4472, Atlasville, 1465 Phone: +27 (0)11 455 3838 Fax: + 27 (0)11 455 0943 Website: www.merxcu.co.za E-mail: info@merxcu.co.za Pieta Wepener – Director E-mail: pieta.wepener@merxcu.co.za Merx HCV underwrites all classes of heavy commercial vehicles on behalf of Mutual & Federal. We do business on conventional, aggregate excess, burning cost basis. We also have a funding product for fleet owners that carry a large portion of the risk themselves.

Products: Merx HCV’s transit section is underwritten by Senate Transit Underwriters (Pty) Ltd through a full Multisure based product.

Products include: • Fire and allied perils • Business interruption • Accounts receivable • Business all risks • Accidental damage • Public liability.

• Employers’ liability.

• Group personal accident.

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Goods in transit/inland transit 1Com – Commercial Motor Website: 1com.co.za Durban Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: 086 1 266 326 E-mail: dbn@1com.co.za Cape Town Postal address: Postnet Suite 41, Private Bag X22, Tygervalley, 7536 Phone: 086 1 266 278 E-mail: cpt@1com.co.za Pretoria Postal address: P.O. Box 1096, Montana Park, 0159 Phone: 086 1 266 778 E-mail: pta@1com.co.za Pietermaritzburg Postal address: Postnet Suite 120, Private Bag X9005, Pietermaritzburg 3200 Phone: 086 1 266 792 E-mail: pmb@1com.co.za Port Elizabeth Physical address: 175 Cape Road, Mill Park, Port Elizabeth, 6001

Phone: 086 1 266 735 E-mail: pe@1com.co.za Johannesburg Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: 086 1 266 562 E-mail: jhb@1com.co.za

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Products: 1Com provides specialist goodsin-transit cover for risk exposures during the transportation of goods. Products include: • Transit solution (low risk): provides free cover for driver fidelity, intermediate storage, loading and unloading and standard shipping containers.

• Transit solution (conventional): insures carriers for the amount of loss or damage to the goods entrusted to them.

• Transport broker cover: protects transport brokers against financial loss owing to sub-contractors not being able to reimburse brokers upon loss or damage to the load entrusted to them.

• One-off solution: provides cover for a oneoff shipment.

• Stand-alone basis: provides cover on a standalone basis or as a section of a commercial motor policy.

1Com – Marine (RMB) Website: 1com.co.za

E-mail: cpt@1com.co.za

Durban Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: 086 1 266 326 E-mail: dbn@1com.co.za

Pretoria Postal address: P.O. Box 1096, Montana Park, 0159 Phone: 086 1 266 778 E-mail: pta@1com.co.za

Cape Town Postal address: Postnet Suite 41, Private Bag X22, Tygervalley, 7536 Phone: 086 1 266 278

Pietermaritzburg Postal address: Postnet Suite 120, Private Bag X9005, Pietermaritzburg 3200 Phone: 086 1 266 792

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Goods in transit/inland transit E-mail: pmb@1com.co.za

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Port Elizabeth Physical address: 175 Cape Road, Mill Park, Port Elizabeth, 6001 Phone: 086 1 266 735 E-mail: pe@1com.co.za Johannesburg Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: 086 1 266 562 E-mail: jhb@1com.co.za Products: 1Com provides specialist marine insurance solutions to suit large corporate,

listed companies and multinationals including large, medium and small businesses.

Products include: • Marine cargo insurance: covers the import and export of cargo.

• Goods in transit insurance: covers cargo transported within South Africa, as well as cross-border transits to neighbouring states.

• Stock throughput cover: covers the import and local transit of cargo, including stock exposures whilst in storage.

• Hull insurance for yachts and pleasure craft: covers South Africa, Namibian and Mozambican owners of yachts and pleasure and cruising craft.

Lynx Transit Underwriting Managers Postal address: Postnet Suite 366, Private Bag X132, Centurion, 0046 Contact details: Tel: 086 110 5969 Fax: 086 585 6627 Website: www.ltum.co.za E-mail: info@ltum.co.za Products: These 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.

Inclusions: • Conventional goods in transit cover for transport contractors • Conventional goods in transit cover for owners of goods • Transport broker contingent cover • Once off risks • Basic excess reducer • Theft Hijack excess reducer Extensions • Container cover • First loss basis limit • Driver fidelity

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• Debris removal • Salvaging costs • Tarps, nets, straps and chains • Temporary storage • Overloading

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10facts Ten facts on goods in transit

1. Have one insurance policy to cover your goods from door to door.

Where different policies are taken out for the road, sea or air segments of the trip, problems can arise with claims as it is often difficult to ascertain exactly where the damage might have occurred. In order to avoid insurers fighting with each other, have one insurer cover the entire trip.

2. The insurance offered by freight forwarders is often more expensive than obtaining your own insurance.

3. If your goods are big and robust, consider taking limited cover (such as fire, collision, overturning, theft following and hijacking only). This will exclude cover for water, mysterious disappearance or accidental damage, but the premium for this more limited cover is usually only about 60 per cent of the premium for all risks cover.

4. If your clients’ goods are fragile or have cardboard or paper packaging, always make sure that they are covered on an all risks basis. If not, they’re not insured against the most likely of things which happen to cargo (water and accidental damage).

5. All risks cover includes cover for incidents such as fires, explosions, storms, theft, hijacking and accidental damage.

6. There are many ways to cover goods whilst in transit. Some companies prefer monthly premiums based on an estimated annual carry; some find a fixed load limit a better way to cover themselves; and some prefer openended policies with declarations monthly in arrears. Chat to your broker to find the most cost-effective and administratively convenient way for all of your goods to be insured while in transit.

7. Incoterms (international commercial terms) are a series of international sales with terms, published by the International Chamber of Commerce (ICC). They are accepted by governments, legal authorities and practitioners worldwide and are most commonly used terms in international trade. (Source Wiki) 8. The new edition of Incoterms (the eighth edition) came into effect on 1 January this year.

9. Last year, the collision of container vessel MSC Chitra and cargo ship Khalijia III caused the closure of the Jawaharlal Nehru Port, India’s biggest container gateway, and the launch of a criminal investigation according to freight and logistics news service IFW. 10. According to IFW, between 200 and 400 containers were flung overboard.

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Goods in transit/inland transit Santam Transport Postal address: P.O. Box 55182, Northlands, 2116 Phone: +27 (0)11 912 8000 Fax: +27 (0)11 347 9026 Products: Santam Transport covers transport contractors for heavy commercial vehicles and goods-in-transit.

Products include: • Excess reducer • Credit shortfall • Increased towing and wreckage removal • Extended territorial limits • Cross-border towing • Loss of use • Franchise excesses • Third party excess reducer • Extended third party liability

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Transit Underwriting Managers Postal address: P.O. Box 23815, Claremont, 7735 Phone: 0861 113 597 Fax: 0861 113 655 Website: www.tum.co.za E-mail: tum@tum.co.za Phillip Rentschler – Managing director Products: Truck Load Cover

Includes: • Road, rail, or air within RSA and SADEC countries • Specified vehicles basis • One-off loads • Contingent liability cover • Owner Driver Schemes • Large fleet schemes • Excess buy-back options

FSP No. 20480

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the Firehouse 3709

We’re in it for the long haul Specialists in

Specialists in

Specialists in

Specialists in

Heavy Commercial

Performance

Risk

Goods in Transit

vehicle insurance

Bonds

Management

insurance

Contact:

Contact:

Contact:

Contact:

Anneke Kenning

Jeff Whindus

Mitch Marescia

Debbie De Wet

011 455 3838

011 763 2075

011 356 4800

012 663 1004

We’re proud to announce our new partnerships, that have effectively expanded our product offering. And with the sound support of Mutual&Federal and Old Mutual, you can take comfort that your claims will be settled both timeously and efficiently.

www.mf.co.za

A Member of the

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Group

Authorised Financial Services Provider

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Heavy commercial vehicle cover

Heavy commercial vehicle cover Beyonda (Pty) Ltd

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Postal address: P.O. Box 1860, Bedford View, 2008 Phone: +27 (0)11 023-6561 Fax: +27 (086) 600 0964 Website: www.beyonda.co.za E-mail: gerharddb@beyonda.co.za Products: As pioneers of excess buy down products, Beyonda provides clients with all their commercial vehicle excess/ deductible requirements. Beyonda now offers comprehensive goods in transit cover. Protect your cash flow by insuring your excesses.

Inclusions: • Own damage excess buy down • Theft/hijack excess buy down • Penalty excess buy down • Goods-in-transit excess buy down • Loss of use/income cover • Credit shortfall • Deposit protector • Tow fee top-up cover • Stand-alone windscreen cover

CBC-Fleet Insurance Solutions Postal address: P.O. Box 654, Bedfordview, 2008 Bedfordview, Johannesburg Phone: +27 (0)11 615 3640 Fax : +27 (0)11 615 3678 E-mail: mike@captive.co.za or chris@captive.co.za Umhlanga Rocks, Durban Phone: +27 (0)31 561 1326 Fax : +27 (0)31 561 1328 E-mail: bryan@captive.co.za or rina@captive.co.za Website: www.captive.co.za Products: • Comprehensive cover (or restrictive covers) • Profitshare • Aggregate funds • Progressive funds Extended covers available: • Own damage Africa, south of the Equator • Special types • Liability cover up to R20 million

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• Can include sedan motors as well as LDVs, caravans and motorcycles Exclusions: Bus fleets, rental vehicles and taxis.

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Heavy commercial vehicle cover Bloemfontein Underwriting Managers Postal address: P.O. Box 28452, Danhof, 9321 Phone: +27 (0)51 436 1512 Fax: +27 (0)51 436 2567 Website: www.bloemum.co.za Joh’Nan Benson E-mail: onderskrywing@bfn.co.za H I J

Products: Bloemfontein Underwriting Managers underwrites heavy commercial vehicle insurance on behalf of RMB Structured Insurance Limited. Products are available for all vehicles in excess of 3 500 kg for owner/ driver operations or fleet operations; and light delivery vehicles, yellow metal business and private motor vehicles on an accommodation basis and only as part of the fleet.

SAMIB Underwriting Managers Postal address: P.O. Box 26460, Monument Park, 0105 Phone: +27 (0) 12 346 6160 Fax: +27 (0)12 346 2856 Website: www.samib.com Frans Beetge E-mail: drbeetge@samibsa.co.za Products: SAMIB Underwriting Managers underwrites heavy commercial vehicle insurance on behalf of Resolution Insurance Company Limited. Cover is available for special types of vehicles, including mobile plant used in construction works. Sedan cars and light delivery vans can be included in policies for business and private use provided they are part of the heavy commercial vehicle fleet.

Busses, taxis and motorcycles are excluded.

Includes: • Comprehensive cover • Restrictive covers • Funding (contingency policies) • Profit-sharing incentive schemes • Goods-in-transit

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• The transport of hazardous goods • All risk cover • Special types of vehicles • Excess buy-backs • Loss of use • Credit shortfall • Funeral cover for fleet owners, drivers and their families.

Heavy commercial vehicle cover Wheels Underwriting Managers (Pty) Ltd Phone: +27 (0)11 267 4000/0860 103 412 Fax: +27 (0)11 267 4297/8 Website: www.wheelrite.co.za

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Gauteng Postal address: P.O. Box Postnet Suite 421, Private Bag X75, Bryanston 2021 Marina van der Walt E-mail: mvdwalt@wheelrite.co.za Durban Phone: +27 (0)33 344 2450 Fax: 0865 660 318 Robyn Braithwaite E-mail: rbraithwaite@wheelrite.co.za Port Elizabeth Phone: +27 (0)41 368 7319 Fax: 0865 162 267 Cheryl Kapp E-mail: ckapp@wheelrite.co.za

Western Cape Phone: +27 (0)21 910 2402 Fax: 0865 856 578 Minette Weber E-mail: mweber@wheelrite.co.za Products: Wheels Underwriting Managers’ heavy commercial vehicle insurance covers commuter bus fleets to owner operators.

Aggregate excesses and burning cost options are available, as well as driver personal accident cover, fire and accident classes and Wheelscap, which includes: • Own damage excess reducer • Hijack/theft excess reducer • Third party excess reducer • Goods-in-transit excess reducer • Loss of use/downtime cover • Credit shortfall cover • Repatriation costs • Driver PA cover

Heavy Commercial Vehicle Underwriting Managers – HCV Phone: 0861 022 737 Website: www.hcv-online.co.za E-mail: heavies@hcv.co.za Johannesburg Postal address: P.O. Box 61379, Marshalltown, 2107 Phone: +27 (0)11 628 3000 Fax: 0865 380 958 Cape Town Phone: +27 (0)21 913 1101 Fax: 0865 377 105 Durban Phone: +27 (0)31 312 1304 Fax: 0865 383 020 Port Elizabeth Phone: +27 (0)41 360 9842

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Fax: 0865 379 488 Products: HCV offers a range of heavy commercial vehicle-related products.

Includes: • Truck+care: includes the cost of towing and storage, hotel accommodation in the event that drivers are stranded and free driver training.

• Trailer+care: includes the cost of towing and storage and hotel accommodation in the event that drivers are stranded.

• Bakkie+care: includes the cost of towing and storage and hotel accommodation in the event that drivers are stranded.

• Car+care: includes the cost of towing and storage and hotel accommodation in the event that drivers are stranded.

• Plant+care: includes the cost of towing

Heavy commercial vehicle cover and storage and hotel accommodation in the event that drivers are stranded.

• MCV+care (medium commercial vehicles): includes the cost of towing and storage and hotel accommodation in the event that drivers are stranded.

• Liability+care: third party liability cover against claims for damages that policyholders’ vehicles may cause to other vehicles or property.

• Hire+care: provides a replacement vehicle after an accident.

• Personal+care: provides 24-hour cover for truckers in respect of accidental death or permanent disability whilst in an HCVcovered vehicle.

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Extensions: • Load+care: provides options to apply load limits at fixed premiums.

• Tow+care: provides additional towing options.

• Time+care: provides protection against downtime caused by accidents.

• Africa tow+care: covers the cost of towing outside South African borders.

wheels UNDERWRITING MANAGERS (PTY) LIMITED

Motorcycles

Truck and Bus

Classic and Sports St Georges The Oval 1 Meadowbrook Lane (cnr Sloane Street) Bryanston 2191 Postnet Suite 421 Private Bag X75 Bryanston 2021 Tel 011 267 4000 Fax 011 267 4295 www.wheelrite.co.za Registered Financial Services Provider FSP 42389

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Heavy commercial vehicle cover Insurance Underwriting Managers (IUM) Postal address: Private Bag X10, Gardenview, 2047, Johannesburg Phone: 0861 949 444 Fax: 0861 949 999 Website: www.ium.co.za E-mail: info@ium.co.za H I J

Products: IUM’s heavy commercial vehicle products incorporate a dedicated commercial trucking division which specialises in commercial trucking and transportation insurance. Cover is available for owner-drivers, small fleets and certain large fleets that operate locally and in an intermediate and long-haul radius.

Includes: • Windscreen cover Top Trans Excess Underwriters Postal address: P.O. Box 15683, Lambton, 1414 Tammy Gonsalves Phone: +27 (0)11 873 6764 Fax: 011 872 0599 E-mail: tammy@roadcom.co.za Website: www.roadcom.co.za Products: Top Trans is a heavy commercial vehicle excess underwriter. Products can be purchased on a two-in-one, three-in-one and four-in-one basis as well as stand-alone basis.

Includes: • Theft and hijacking • Own damage • Goods-in-transit • Loss of income • Credit shortfall • Top pollution • Top gloss (windscreen) • Top towing • Top deposit • Top penalty

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• Loss of keys • Wreckage removal • Towing costs • Third party liability • Contingent liability • Parking facilities and movement of third party vehicles • Fire and explosion Optional benefits: • Credit shortfall • Basic excess reducer • Theft/hijack excess reducer • Downtime • Increased liability limits

Heavy commercial vehicle cover Omnicover Transport & Transit Acceptances (OTTA) [Hollard] Postal address: P.O. Box 87419, Houghton, Johannesburg, 2041 Phone: 011 022 0701 Peter O’Dwyer E-mail: peter@otta.co.za Products: Otta’s core product is based on a unique commercial vehicle comprehensive policy, which has been specifically created to deal with the risk exposures that the transport

industry faces. In addition to traditional policies, we offer structured deals for clients who need specialised risk funding programmes for their light, medium and heavy commercial vehicles. We’ve extended the territorial limits when travelling into Africa and our clients enjoy secure 24/7 access to their policy and claims information through the use of internetbased administration system.

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Heavy commercial vehicle cover Fleet Risk Underwriters

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Durban Postal address: P.O. Box 313, Kloof, 3640 Phone: +27 (0)31 818 0203 Fax: +27 (0)31 818 0213 Website: www.fleetru.co.za Pat Healy E-mail: pat@fleetru.co.za

Products: Fleet Risk Underwriters provides products for commercial and industrial fleet owners, as well as bus fleets and individual owners, hauliers, owner driver schemes and affinity groups and small tour operators. Fleet Risk Underwriters underwrites on behalf of Guardrisk Insurance Company Limited.

Johannesburg: Postal address: P.O. Box 2155, Pinegowrie, 2123 Phone: +27 (0)11 326 2951 Fax: +27 (0)11 326 2952 Lauren Healy E-mail: lauren@aua.co.za

Includes: • Conventional motor insurance including comprehensive; third party; and third party, fire and theft • Fare-paying passenger liability as an extension to comprehensive cover.

• Self-insured (aggregate deductible) programmes

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Heavy commercial vehicle cover 1Com Website: 1com.co.za Durban Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: 086 1 266 326 E-mail: dbn@1com.co.za Cape Town Postal address: Postnet Suite 41, Private Bag X22, Tygervalley, 7536 Phone: 086 1 266 278 E-mail: cpt@1com.co.za Pretoria Postal address: P.O. Box 1096, Montana Park, 0159

Phone: 086 1 266 778 E-mail: pta@1com.co.za Pietermaritzburg Postal address: Postnet Suite 120, Private Bag X9005, Pietermaritzburg 3200 Phone: 086 1 266 792 E-mail: pmb@1com.co.za

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Port Elizabeth Physical address: 175 Cape Road, Mill Park, Port Elizabeth, 6001 Phone: 086 1 266 735 E-mail: pe@1com.co.za Johannesburg Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: 086 1 266 562 E-mail: jhb@1com.co.za Products: 1Com’s commercial vehicle products are available for heavy, medium, light commercial vehicles (3.5 tonnes and upwards) and motor fleets. Silver products are ideal for small to medium businesses while platinum products are suited to larger businesses.

Includes: • Short haul transport for risks where vehicles don’t exceed a 300 km radius of their home base and return to home base overnight.

Excludes 24-hour operations, courier services and panel vans.

• Brick transport for brick transporting vehicles within a 300 km radius of their home base; includes windscreen, debris removal and goods-in-transit.

• Sand and stone for construction vehicles transporting within a 300 km radius of their home base; includes windscreen, debris removal and goods in transit.

• SAB/ABI short haul solution covers owner/ driver risks transporting within a 300 km radius of their home base.

• Commuter.

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Hauliers’ combination insurance / Homeowners’ Association

Hauliers’combination insurance Etana Insurance (Marine Division)

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Physical address: 22 Oxford Road, Parktown, 6000 Phone: +27 (0)11 351 2500 Fax: +27 (0)11 351 3636 Website: www.etana.co.za Cynthia Nanthalall Phone: +27 (0)11 351 2716 E-mail: cynthian@etana.co.za

Includes: • Physical loss or damage to the cargo owner’s cargo while in the care and custody of the haulier (provided the cargo owner has asked the haulier to arrange the cover on their behalf).

• Legal liability for losses to the cargo owner caused through negligence.

Products: Etana’s haulier’s insurance provides cover for carriers when moving goods.

Optional extensions: • Consequential loss as a result of the movement of goods.

Homeowners’ Association Academic Building and Construction Underwriting Specialists Physical address: Unit 3 Medgate, c/o Kingfisher and Pheasant Street, Helderkruin, 1733 Phone: 0861 333 388 Website: www.abacus-ins.co.za Denis Styles Phone: +27 (0)11 768 1526 E-mail: deniss@abacus-ins.co.za Willie van der Schyf E-mail: willievds@abacus-ins.co.za

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Product: ABACUS homeowner’s association insurance products include a directors’ liability extension, which covers errors and omissions whilst acting as a director of a homeowners’ association.

Homeowners’ Insurance

Homeowners’ Insurance MUA Insurance Acceptances Postal address: P.O. Box 84 Century City 7446 Cape Town: Phone: +27 (0)21 525 6200 Fax: +27 (0)21 525 6300 Johannesburg Phone: +27 (0)11 560 0600 Fax: +27 (0)11 327 1710 Durban Phone: +27 (0)31 275 8600 Fax: +27 (0)31 265 1719 E-mail: info@mua.co.za Website: www.mua.co.za MUA’s Executive Home cover follows the winning strategy of service excellence that we have so successfully implemented in the past. Focusing on our clients individual needs, MUA provides a personal, tailored and flexible approach to underwriting, enabling the individual to choose the desired nature and level of cover, as well as

the terms on which this cover is provided. This client-centric flexibility has resulted in steady growth in both the MUA portfolio and levels of expertise required to underwrite our chosen niche successfully.

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Product: MUA Insurance Acceptances specialize in the insurance of high-value homes and contents, fine art and other collectables. MUA’s personal lines product caters to the specific needs of high net worth individuals. The company’s Executive Home policy is specifically designed for people who need more than standard massmarket insurance.

Home Insurance High value home insurance covering buildings, contents, fine art & other collectables and personal all risks.

For more information about this product please turn to page 192

CIA – Commercial & Industrial Acceptances (Pty) Ltd Postal address: P.O. Box 615, Bedfordview, 2008 Contact details: Website: www.cia.co.za 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: 021 914 9496 E-mail: ct@cia.co.za Bloemfontein: Phone: 051 447 0146 E-mail: bfn@cia.co.za

Port Elizabeth: Phone: 041 360 1843 E-mail: pe@cia.co.za Pretoria: Phone: 0861 242 999 E-mail: pta@cia.co.za Product: CIA underwrites on behalf of Compass Insurance Company. CIA’s houseowners policy is unique in that it provides all risk cover and automatically includes subsidence at no additional cost and without the need for expensive geotechnical engineers reports.

Products include: • Inflation and escalation.

• Public Supply connections.

• Subsidence and landslip.

• Loss of rent or alternative accommodation.

• Liability.

• Claims preparation costs.

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Hospitality and leisure industry

Hospitality and leisure industry Ascent Underwriting Managers

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Physical address: F3 Pinewood Square, Pinewood Office Park, Riley Road, Woodmead, 2128 Phone: 0861 286 264 Fax: 086 633 4311 Website: www.ascentsure.co.za E-mail: info@ascentsure.co.za Paul Halley – Managing director E-mail: paul@ascentsure.co.za With over 12 years experience underwriting the tourism, hospitality and entertainment sectors, ascent’s product range includes the welcome plus (hospitality) the tourinsure (tourism) and wine and dine (entertainment) policies bundled with real value-added products.

Products cater for every establishment providing guests or patrons with leisure or

hospitality related services from small hotels to family resorts, and take-away outlets to award winning restaurants.

Together with strategic industry partnerships with SA Tourism Services Association (SATSA) and the Federated Hospitality Associations of SA (Fedhasa), we have the industry engagement and underwriting experience to ensure that our broker partners and clients have access to some of the broadest covers available for their ever changing needs.

Ascent Underwriting Managers committed team of dedicated people service our products and support select broker partners conducting business with honesty and integrity. Our business values remain at the core of our success.

BnB Sure Phone: 0861 272 7873 Fax: +27 (0)11 326 3613 Website: www.bnbsure.co.za

Free State/Northern Cape Dalene Lemmer E-mail: dalen@bnbsure.co.za

Johannesburg Postal address: P.O. Box 4047, Randburg, Gauteng, 2125 Wendy Armstrong E-mail: wendy@bnbsure.co.za

Mpumalanga/Limpopo Marinda Welgemoed E-mail: marinda@bnbsure.co.za

KwaZulu-Natal Merran Johansson E-mail: merran@bnbsure.co.za Western Cape Trudy Venter E-mail: trudy@bnbsure.co.za Eastern Cape Lynne Reynolds E-mail: lynne@bnbsure.co.za

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Products: BnB Sure’s hospitality products are specifically tailored for the B&B and guesthouse industry. Policies provide cover for personal and business portions of the establishments, as well as holiday homes and backpackers’ establishments.

Includes: Buildings • Subsidence and landslip • Accidental damage cover • Power surge

Hospitality and leisure industry Contents • Personal effects of guests • Trauma counselling following a violent event for guests but extended to away from premises for the insured and any permanent staff member • Bilking cover • Goods in the open • All risks cover • Garden plants damaged or destroyed during fire-fighting operations or by a motor vehicle • Signs and signposts • Money • Loss of computer data • Damage by laundry services Loss of revenue • Fire, storm or flood • Telecommunications breakdown • Suicide, murder or rape or any attempted threat • Shark or wild animal attack or oil spillage • Cancellation of events • Staff stay-aways • Failure of essential equipment

• Death or hospitalisation of a key member, being a spouse, partner or manager • Traumatic event at the premises • Cancellation beyond the control of the guest • Theft • Noise pollution from premises within 500 metres of the establishment • Prevention of access H I J

Motor • Trauma counselling costs following an accident in a motor vehicle included in the insured’s policy.

• Contingent liability if an employee uses his or her vehicle on the business of the establishment.

• Passenger liability Other • Inflation protector on buildings, contents and revenue.

• Cover for certain electrical and plumbing problems and appliance breakdown

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Hospitality and leisure industry Commercial and Industrial Acceptances (Pty) Ltd

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Postal address: P.O. Box 615, Bedfordview, 2008 Phone: 0861 CIA 777 or 0861 242 777 Fax: 086 613 6684 Website: www.cia.co.za

to offer the widest practical range of cover under one blanket policy and automatically include inflation and escalation protection for the building sum insured at no extra cost. CIA’s products include:

Products: CIA is an underwriting manager specialising in the insurance of buildings.

Houseowners: This 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.

Underwriting on behalf of Compass Insurance Company, CIA is considered to be a leader in its field, providing the highest level of service excellence and customer care.

CIA’s products have been specifically designed Factory and Industrial Risk Manager Physical address: 3 River Road, Bedfordview, 2008 Phone: +27 (0)11 450 4100 Fax: +27 (0)11 455 2899 Website: www.amkela.co.za Brian Muller E-mail: brian@facind.co.za Products: Factory and Industrial Risk Manager’s hospitality product is named Amkela and is designed to fit South Africa’s hospitality needs, which includes thatch and timber buildings, as well as cover for passengers in open gameviewing vehicles. Policies provide normal cover as well as a free risk assessment, support and assistance with regard to fire protection and occupational health and safety acts.

Includes: • Trauma counselling to guests and staff • Payment for losses incurred to third party emergency assistance • Compensation for accidental death or injury to employees • Insurance of personal possessions of guests while in residence • Replacement costs for signs, shades and canopies • Compensation for storm damage to landscaped gardens • Silt and debris removal from gardens • Compensation for events cancelled • Emergency evacuation costs • Deterioration of stock on the insured’s premises • Wild animal extensions

Hospitality, Industrial & Commercial Underwriting Managers Pty Ltd (HIC Underwriting Managers) Postal address: P.O. Box 2253, Bedfordview, 2008 Phone: +27 (0)11 455 5271 Fax: +27 (0) 11 455 4779 Website: www.hicsa.co.za E-mail: info@hicsa.co.za

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Products: HIC’s hospitality products aren’t restricted to one segment of the industry but are designed to cater for various types of establishments, including B&Bs, restaurants, golf clubs and conference centres.

Hospitality and leisure industry Hospitality and Leisure Underwriters (H&L) Santam Head office: Postal address: P.O. Box 696, Bedfordview, 2008 Phone: +27 (0)11 615 2973/6 or +27 (0)11 022 1164/5 Fax: +27 (0)86 689 4950 E-mail: info@handl.co.za Website: www.handl.co.za

Pretoria Phone: 082 459 5729 Fax: 086 671 9588 E-mail: janl@handl.co.za Cape Town Phone +27 (0)21 554 0910 Fax: +27 (0)21 554 0910 E-mail: bill@handl.co.za

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Risk Guard Alliance Postal address: P.O. Box 73450, Lynnwood Ridge, Pretoria, 0040 Phone: 086 110 2025 Website: www.riskga.co.za Email: commercial@riskga.co.za

hospitality type establishments such as inns, hotels, guesthouses, game lodges, restaurants and golf courses.

Products: Risk Guard Alliance is a dynamic underwriting agency which prides itself in giving brokers and clients excellent service.

We offer comprehensive insurance for all

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Hospitality and leisure industry / Hull insurance VEA Risk Consultants

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Postal address: P.O. Box 1028, Heidelberg, 1438 Phone: +27 (0)16 341 6036 Fax: +27 (0)16 341 6031/0866 121 802 Website: www.vearisk.co.za E-mail: marketing@vearisk.co.za/ vearisk@vearisk.co.za Products: VEA Risk Consultants hospitality products are underwritten by Etana Insurance.

Policies are tailored to suit the needs of each client and include thatch risk capacity, specialist risk management support and intervention and medical evacuation benefits, as well as wildlife risk, fare-paying passenger liability, directors’ and officers’ liability and EPLI cover.

contents for all taxidermists • Game fence cover • Damage by wild animals • Theft at tradeshows and exhibitions Optional • Extended geyser cover • Loss of use and deposit protector cover – vehicle insurance • Total re-hunt – trophy cover. Excludes certain entertainment risks, activities and nonhospitality risks.

Includes: • Multi-peril cover for all assets applicable to the hospitality industry • All buildings used as private dwellings, contents and personal all-risk items • Industry-related financial losses • Specific cover for game farms to protect wildlife on the property, water craft and game-viewing vehicles • Deterioration of stock • Greens and irrigation cover • Trophy cover, including hunting and the

Hull insurance Astra Maritime (Hollard) Postal address: P.O. Box 87419, Houghton, Johannesburg, 2041 Phone: 011 513 5000 Steven Forcey – stevenf@astra-maritime.co.za Products: Astra offers a wide range of marine insurance products, including commercial hulls (in particular fishing vessels). Our knowledge

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and innovative approach allows for a variety of solutions for our customers.

Hull insurance Etana Insurance (Marine Division) Physical address: 22 Oxford Road, Parktown, 6000 Commercial craft Phone: +27 (0)11 351 2500 Fax: +27 (0)11 351 3636 Website: www.etana.co.za Cynthia Nanthalall Phone: +27 (0)11 351 2716 E-mail: cynthian@etana.co.za Products: Etana’s hull commercial craft insurance provides cover for physical loss or damage to vessels used for commercial purposes, including fishing and tourism. It incorporates specialist risk management inspections.

Optional • Passenger and third party liability Products: Etana’s hull pleasure craft insurance covers physical loss or damage to vessels used for personal pleasure including yachts and motor boats. It incorporates specialist risk management inspections.

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Cover may be extended to include passengers’/ third party and water skiers’ liability.

Includes • Physical loss or damage to hulls, including accessories where agreed • International waters can be included by special agreement

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10 facts

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ten facts on Jewellery

1. The value of a diamond depends upon carat weight, colour, clarity and cut.

2. The prices for rough cut diamonds are regulated, in large part, by De Beers Consolidated Mines Corporation.

3. Approximately 80% of the world’s production of rough diamonds filters through the De Beers Central Selling Organisation, which sells the rough diamonds approximately eight times a year to 160 worldwide members called ‘sight holders’.

4. All rough diamonds are sold at the same price to each sight holder and, as the diamonds filter down to cutters and wholesalers, the prices change and reflect various profit margins.

5. Diamonds are best cleaned in warm water and a little dishwashing detergent, or warm water and a small amount of ammonia (6 parts water to 1 part ammonia). Rinse and pat dry with a soft lint-free cloth.

6. The first woman to wear diamonds was Agnes Sorel, the mistress of King Charles VII of France.

7. Initially, only one ring was used for an engagement and a wedding.

Then in 1477, Maximilian of Austria gave an engagement ring to Mary of Burgundy, starting a tradition.

8. The largest uncut diamond ever found was the the Cullinan. It weighed 3,106 carats, or about 600 grams, and was discovered on 26 January 1905 at South Africa’s Premier Diamond Mine. It was bought for £150 000 by the Transvaal Government, who then gave it to King Edward VII as a 66th birthday present in 1907. It is now part of King Edward’s sceptre and is housed in the Tower of London.

9. A natural or cultured pearl (unlike an imitation or simulated one) rubbed against the edge of your teeth produces vibrations you can actually hear.

10. A one-ounce gold nugget is rarer and harder to find than a five-carat diamond. However, even though gold is rare, it is far easier to find than winning a major state lottery.

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Jewellers’ block

Jewellers’ block Gem and Jewel Acceptances Postal address: P.O. Box 70014, Bryanston, 2021 Phone: 0861 234 436 Fax: 0861 235 436 Website: www.gemjewel.co.za Natasha Maroun – Managing director E-mail: natasha@gemjewel.co.za

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Products: Gem and Jewel Acceptances 2 Precious Policy provides comprehensive cover for the jewellery industry.

Includes: Stock • Armed robbery • Safe break • Smash and grab • Shoplifting • Stone breakage Contents • Defined events • All-risks • Theft and accidental damage • Rent Business interruption Personal accident and assault • Trauma cover for staff and customers on premises Other • Electronic equipment • Accounts receivable • Money • Motor • Fidelity guarantee • Glass • Liability

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8 facts

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about kidnap and ransom

1. According to the Institute for Security Studies, the definition of kidnapping under South African law is to unlawfully or intentionally deprive a person of their liberty of movement or, in the case of a minor, deprive a parent or recognised guardian of their control over the child.

2. As of 2007, the title of kidnapping capital of the world belongs to Iraq, with around 1 500 foreigners kidnapped. In 2004, Mexico held the title; while in 2001, Colombia had the highest rate of kidnappings in the world.

3. In 2009, the Los Angeles Times said Phoenix, Arizona was America’s kidnapping capital.

4. In some parts of the world, such as southern Sudan, people are kidnapped as slaves and to obtain money through ransom.

5. The number of kidnappings as a result of piracy has been increasing. In 2009, 661 crew members were taken hostage and 12 kidnapped in the first nine months.

6. Kidnapping is very lucrative and criminal gangs make around $500 million a year in ransom payments from kidnapping.

7. Tiger kidnapping is a term which refers to when a hostage is taken to make a loved one or known associate of the victim do something.

8. In February this year, a police task team was created to investigate the abduction of young women to be married to older men. This practice is known as Ukuthwala and is a tradition practised mainly by Xhosa-speaking people in the Eastern Cape and parts of KwaZulu-Natal.

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Kidnap and ransom

kidnap and ransom Carl Greaves Brokers Postal Address: P.O. Box 4164 Old Oak, 7537 Phone: +27 (0)21 948 0630 Fax: +27 (0)21 948 0632 Website: www.cgbrokers.co.za E-mail: carl@cgbrokers.co.za Products: Carl Greaves’ K&R policies are sold on an annual basis and limits of indemnity are available from R150 000 in the aggregate to any requested limits.

Extensions: • Personal accident to compensate insureds should they be injured as a result of the kidnapping.

• Protection for nuclear family of insured (spouse and children under 18).

• Repatriation is available to company’s employees’ families should the employee be kidnapped while stationed abroad, as well as travelling expenses should the family wish to go to the country where their loved one is being held.

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Chartis Physical Address: 10 Queens Road, Parktown, 2193 Phone: +27 (0)11 551 8242 Fax: +27 (0)11 551 8800 Website: www.chartisinsurance.com Catia Folgore – Underwriting manager E-mail: catia.folgore@chartisinsurance.com Products: Chartis Insurance provides corporate kidnap and ransom/extortion insurance that protects against financial loss and includes the negotiation and crisis management services of Clayton Consultants Inc.

• Evacuation and repatriation.

• Child abduction.

Cover includes: • Death or dismemberment • Ransom/extortion payment • Payment lost in-transit • Judgement, settlements and defence costs • Recall costs • Business interruption • Any other reasonable and necessary expenses

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.

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Landlord rental default protection / Legal advice and expense protection

Landlord rental default protection / Legal advice and expense protection Tenrisk Postal Address: P.O. Box 21095, Noordbrug, 2522 Phone: 0861 254 254 Fax: 0866 206 416 Website: www.tenrisk.co.za E-mail: info@tenrisk.co.za K L

Products: Tenrisk’s landlord protection policy guarantees monthly rental income, covers legal costs and provides the necessary qualified legal resources to achieve tenant eviction.

Includes: • Cover for loss of rental income for up to six months • Cover of legal costs and expenses in the complete handling of the legal process against a tenant who refuses to pay by approved legal practitioners • Handling of the legal procedures by selected legal experts • Obtaining an eviction order where necessary

Legal advice and expense protection Community Legal Clinic (Pty) Ltd Postal Address: P.O. Box 1444, Sanlamhof, 7500 Phone: 0861 112 799 Fax: 0865 419 867 Web: www.legalclinicsa.com

Established in 2002, CLC’s primary reason for existence is to assist those who are unable to pay astronomical legal fees associated with various business and individual disputes.

Labour Protect CC Postal Address: P.O. Box 8397, Roggebaai, 8012 Tel: (086) 052 2687 Web: www.labourprotect.co.za

Products: Labour Protect provides a legal labour cost Insurance to our members for an amount of R85 per month. We specialise, and cover, the protection of workplace rights.

Legal advice and expense protection The People’s Industrial Advice Centre/Legal Defender Phone: +27 (0)11 326 4601/0861 333 363 Website: www.legaldefender.co.za Products: Legal Defender acts as an underwriting manager for Constantia Insurance Company. There is a 24-hour legal assistance phone line for emergency queries.

spouses and children under the age of 18 years old • Limited cover for legal advice only for policyholders, spouses and children under the age of 18 years old • Employee benefit schemes with premiums negotiated according to the needs of the employees • Legal expenses cover

Includes: • Comprehensive cover for policyholders,

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Legalwise Postal Address: P.O. Box 6144, Weltevredenpark, 1715, DOCEX 6, Florida Phone: 011 670 4500 Jan Luwes – janl@legalwise.co.za Website: www.legalwise.co.za Products: The Legalwise policy covers: • Job-related problems, e.g. unfair dismissals • Homeowner problems, e.g. defective building work • Motor vehicle problems, e.g. guarantees on poor repairs • Third party claims • Problems when buying or selling a house • Consumer-related problems, e.g. faulty products • Criminal charges against you or your family • Unfairly rejected insurance-related cases Following extended services: Settlement negotiations, debt counselling, rescission of administration orders, unopposed divorces, maintenance matters, base wills, antenuptial contracts, other civil processes, mediations or referrals to alternate dispute resolution forums and referrals to small claims courts.

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Legal advice and expense protection Legal Sense (Pty) Ltd Postal Address: Postnet suite 248, Private Bag X3, Northriding 21, 2188 Tel: (087) 805 8125 Fax: (086) 657 7541 Web: www.legalsense.co.za Product: Handles your business legal work, legal disputes and court cases. The costs of legal advice and legal actions are expensive,

with small and medium sized businesses finding it imperative to undertake legal proceedings in addition to needing continual legal assistance.

Many good companies with good products cannot compete in South Africa’s economy as they do not have the necessary legal expertise on their side.

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Lexcorp Postal Address: P.O. Box 6118, Rivonia, 2128 Phone: +27 (0)11 800 0600 Fax: +27 (0)11 800 0601 Website: www.lexcorp.co.za Ben Raseroka – Managing director E-mail: ben.raseroka@lexcorp.co.za Products: Lexcorp’s legal access products provide protection against a wide range of legal disputes, including individual, business and motorist and niche markets.

Individual legal protection covers anything from job-related disputes to someone trespassing on your property. Cover extends to policyholders, spouses, children under the age of 21, children who are fully dependent or students up to the age of 25 years and mentally or disabled children without age restriction.

Includes: • Family matters including divorce, custody and maintenance

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• Identity theft including rescission of judgements and credit bureaus • Defence against charges in criminal litigation • Civil legal action by or against you • Disputes in labour courts • 24-hour legal advice Business legal protection covers a variety of potential disputes. Cover extends to directors, management or trustees of insured business, authorised employees acting on behalf of insured business, and expressly authorised agents acting on behalf of insured business.

Includes: • Employment/labour disputes • Defence against action in civil litigation • Contractual disputes with suppliers • Arbitration procedures and resolutions • Statutory licences and regulations • Debt collection and recoveries • 24-hour legal advice

Liquidator’s bond

Liquidator’s bond

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Shackleton Risk Management Postal Address: P.O. Box 393, Strathavon, 2031 Phone: +27 (0)11 784 5373 Fax: 086 611 3226 Michael-John Damant E-mail: michael@srisk.co.za Products: Shackleton Risk Management’s liquidation bonds of security for liquidators and trustees are written on Safire Insurance Company Limited paper. Safire, in turn, is supported by Munich Re. Shackleton Risk Management understands that time is of the essence and, as such, is able to deliver a bond of security on the same day as it is requested, provided you have already

qualified to be on its underwriters panel.

Includes: • Automatic short-term insurance issued in conjunction with Zurich Insurance Company South Africa. The policy provides liquidators with a guarantee that Zurich will hold cover in respect of any assets vesting in policyholders for a period of 21 days, provided the bond of security is issued by Safire • General short-term insurance: within the 21-day period a Shackleton risk management consultant is available to discuss policyholders’ short-term insurance requirements and to convert the hold cover policy into a more long-term arrangement should it become necessary

SGI Guarantee Acceptances Postal Address: P.O. Box 2672, Cramerview, Johannesburg, 2060 Phone: +27 (0)11 789 3352 Fax: +27 (0)11 781 1875 Website: www.sgiga.co.za Lucien Mundie – Executive director E-mail: lucienm@sgiga.co.za

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Products: SGI Guarantee Acceptances’ court and administration bonds include liquidation and insolvency bonds.

Loss of pilot’s licence cover

Loss of pilot’s licence cover Carl Greaves Brokers Postal Address: P.O. Box 4164 Old Oak 7530 Phone: +27 (0)21 948 0630 Fax: +27 (0)21 948 0632 Website: www.cgbrokers.co.za E-mail: carl@cgbrokers.co.za

• Loss of license owing to temporary total disablement caused by general illness, substances illness and undiagnosed illness.

• Cover is also available for death by accident, but not for death by illness.

Legal protection

Products: Carl Greaves Brokers provides comprehensive loss of aircrew license policies underwritten by Lloyd’s of London.

Legal protection cover provides protection in the event of legal action or legal liability.

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Includes: • Loss of license owing to permanent total disablement caused by general illness, substances illness and undiagnosed illness.

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Legal protection

legal protection 1Com Johannesburg Postal Address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: 086 1 266 562 Email: jhb@1com.co.za Contact details: Website: 1com.co.za K L

Durban Phone: 086 1 266 326 E-mail: dbn@1com.co.za Cape Town Phone: 086 1 266 278 E-mail: cpt@1com.co.za Pretoria Phone: 086 1 266 778 E-mail: pta@1com.co.za Pietermaritzburg Phone: 086 1 266 792 E-mail: pmb@1com.co.za Port Elizabeth Phone: 086 1 266 735 E-mail: pe@1com.co.za Products: 1Com’s personal legal liability policy provides cover for legal liability arising from accidental death, bodily injury or loss of damage to property. Extended liability is available.

Extensions include: • Fraudulent use of credit cards • Hole-in-one (golf) and full house (bowls) • Wrongful arrest • Property owners’ liability • Tenants’ liability

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Motorist legal protection provides personal and commercial insurance relating to motor vehicle accidents. Cover is structured to assist insured motorists claim and recover uninsured losses from a third party that may have caused the accident and/or is at fault. The policy covers owners, drivers and fleet owners or operators who may want to insure their employed drivers.

Includes: • Civil legal action by or against insured motorists.

• Criminal charges against insured owner and drivers • Claims and recoveries against third parties.

• Assistance with road accident claims.

• 24-hour legal advice Niche legal protection is available for people who are employed in or belong to a variety of professions that operate in a unique environment, such as members of the armed forces who are subject to military law and require specialised expertise, as well as motorists, farmers, medical professionals, ship operators, landlords, bodies corporate, trustees and security forces. Cover extends to members, spouses, children under the age 21, children who are fully dependent or students up to the age of 25 years, mentally handicapped or disabled children without age restriction.

Includes: • Cover in statutory professional body proceedings and related forums • Defence against charges in criminal litigation.

• Civil legal action by or against insured member.

• Disputes in labour courts • 24-hour legal advice Offers a Tulip (top-up umbrella liability policy) which provides cover in respect of legal

Legal protection liability to pay compensation for death, bodily injury or illness, or loss or damage to property occurring during the period of insurance

provided by the typical personal policy sections providing liability cover, i.e. personal, motor, householders, etc.

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Guardrisk Postal Address: P.O. Box 786015, Sandton, 2146 Phone: 0860 002 500 Fax: +27 (0)11 669 2240 Website: www.cre8sa.co.za E-mail: info2@guardrisk.co.za Ian Labram Phone: +27 (0)11 669 3161 E-mail: labrami@guardrisk.co.za Products: Guardrisk Allied Products and Services’ legal protection product is called Advoc8 and is designed specifically for small- to medium-size companies.

Includes: • Employment disputes: relating to employee disputes and actions against employees.

• Litigation: the enforcement of contracts.

• Dispute resolution: arbitration and mediation.

• Statutory license: representation to licensing authorities after a license has been suspended, revoked or altered.

Restrictions: • Problems prior to inception date • Cases without reasonable prospects of success (successfully pursued actions will be reimbursed) • Matters covered under other insurance policies • Any awarded damages, fines and penalties • Any legal costs incurred without the insurer’s consent • Breach of patent, trademark, design, copyright and trade secrets • Three-month waiting period for any claims related to legal transactions

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10 facts

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about driving in South Africa

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1. From the beginning of December 2010 until 21 December 2010, 860 people died and there were 717 fatal crashes recorded according to the Road Traffic Management Corporation.

2. In December 2009, there were 984 fatalities recorded from 768 crashes according to the RTMC. 3. In March 2008, there were 9 182 677 vehicles registered in South Africa.

4. The total number of vehicles that are either unroadworthy, unlicensed or both increased by 18.23 per cent from 780 006 vehicles in March 2007 to 922 200 vehicles in March 2008.

5. The number of learner driving licences issued jumped 4.48 per cent in March 2008 from 1 082 163 to 1 130 663.

6. The number of driving licences issued increased by 3.88 per cent from 7 899 385 at the end of March 2007 to 8 205 987 at the end of March 2008.

7. From 1 April 2007 to 31 March 2008, the number of fatal crashes decreased by 1 000 (7.95 per cent) from 12 577 crashes to 11 577.

8. 44.76 per cent of crashes consisted of pedestrian and hit-and-run crashes while overtaking-related crashes consisted of 32.34 per cent of all cases.

9. The total cost of fatal crashes decreased by R460 million from a total of R13.73 billion during the 2006-2007 period to R13.27 billion during the 2007-2008 period.

10. According to the Automobile Association of South Africa we have a one in 100 chance of getting into a car accident compared with other parts of the world where chances are drastically reduced to one in 5 000.

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Management liability

Management liability Etana Head office physical address: 22 Oxford Road, Parktown, 2193 Phone: +27 (0)11 351 2500 Fax: +27 (0)11 351 8060/3

outside directorship liability and spouse and estate. Improper conduct, prior claims, personal injury and damage, war and terrorism are excluded.

Warwick Goldie Phone: +27 (0)11 351 2577 Fax: +27 (0)11 351 8071 E-mail: warwickg@etana.co.za Tiaan Erasmus Phone: +27 (0)21 431 1128 E-mail: christiaane@etana.co.za

Includes: • Security entity cover • Retired directors and officers • Fifteen per cent of limit of indemnity emergency legal costs • Bond expenses for bonds up to 18 months • Prosecution and bond expenses • Automatic subsidiary acquisition (25 per cent of consolidated balance sheet) • Pollution defence costs for derivative actions

Product: 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,

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Extensions: • Corporate manslaughter • Special excess protection for nonexecutive directors

Stalker Hutchison Admiral (Pty) Limited (SHA) Postal address: P.O. Box 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Dianne Kirk E-mail: kirkd@sha.co.za

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Medical aid trustees insurance / Medical expenses

Medical aid trustees insurance Phoenix Underwriting Managers Postal address: P.O. Box 1888, Gallo Manor, 2052 Phone: + 27 (0)11 656 6035/4 Website: www.phoenixum.co.za E-mail: info@phoenixum.co.za Ana Mullins – Managing director E-mail: ana@phoenixum.co.za Michele Botha – Director

E-mail: michele@phoenixum.co.za Products: Phoenix’s medical aid trustees’ liability insurance indemnifies the trustees appointed by the fund for loss caused by negligence, theft, fraud, dishonesty and computer crime. Settlement costs, defence costs and claims handling expenses incurred by or on behalf of the trustee/s indemnified are also covered.

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Flexible Accident and Sickness Acceptances (FASACC) Postal address: P.O. Box 1112, Houghton, 2041 Phone: 0861 327 222 Fax: +21 (0)11 643-5536 Cape Town Physical address: No 6 Waterford Mews, Waterford Precinct, Century Boulevard, Century City, 7441 Phone: +27 (0)21 555 4700 Fax: +27 (0)21 413 1938 Website: www.fasacc.co.za Mike do Vale – Managing director E-mail: miked@fasacc.co.za Ava Schroder E-mail: ava@fasacc.co.za Products: FASACC’s medical expenses policy falls within its personal accident cover product. Personal accident cover includes accidental death, permanent and temporary disability and medical expenses.

Specialised products are also available for unions, motor fleets and schools, etc.

Stand-alone coverage may be provided for any benefit (other than temporary total disablement following sickness). Policies may be arranged for occupational risks only, or any other reasonable deviation from normal cover. Individual personal accident is written

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for schemes or similar facilities as well as loyalty programmes.

Includes: • Accidental bodily injury • Accidental bodily injury resulting in death, disability or incurring medical expenses following an accident • Up to 24-hour worldwide cover • Scale of benefits for permanent total disablement • Temporary total disablement is paid in addition to capital benefits Extensions: • Disappearance • Disfigurement (not limited to burns).

• Funeral costs • Rehabilitation costs • Mobility costs • Body transportation costs • Emergency transportation costs Optional extensions at additional costs: • Temporary total disablement following illness • Dread disease cover • Daily hospital cash benefits as a result of accident or illness • Trauma • Unusual risks

Medical expenses / Medical insurance / Medical malpractice insurance Stalker Hutchison Admiral Phone: +27 (0)11 731 3784 E-mail: horneh@sha.co.za

Postal address: 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Anton Meyer Phone: +27 (0)11 731 3678 E-mail: meyera@sha.co.za Hendre Horne – Executive head

Products: Stalker Hutchison Admiral’s medical products relate to medical malpractice, personal accident and medical insurance.

Medical insurance Resolution Underwriters (Pty) Ltd We offer competitive products and superior service.

Our continuous effort to render quality services is an integral part of our primary goal of providing our clients with value for money. We will address the insurance needs of the entire spectrum of the African population by developing competitive and affordable products that are unparalleled in the market place. We follow a philosophy of continuous improvement.

Postal address: P.O. Box 1555, Fontainebleau, 2032 Tel (011) 801 2400 Fax (011) 791 7565 Website: www.resolutionunderwriters.co.za Products: Resolution Underwriters (Pty) Ltd is committed to providing comprehensive yet affordable insurance solutions to the public through recognised intermediaries.

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Medical malpractice insurance Carl Greaves Brokers Postal Address: P.O. Box 4164 Old Oak 7530 Phone: +27 (0)21 948 0630 Fax: +27 (0)21 948 0632 Website: www.cgbrokers.co.za E-mail: carl@cgbrokers.co.za

to provide the correct insurance cover needed in an ever-changing market. Carl Greaves has the facility to put schemes together for various medical professions as requested.

Products: Carl Greaves’ medical malpractice liability insurance products are designed to meet individual and commercial needs using extensive knowledge and experience of the market.

Specialised products and policies have been acquired over many years with many different insurance companies. Special attention is given

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Medical malpractice insurance Phoenix Underwriting Managers Postal address: P.O. Box 1888, Gallo Manor, 2052 Phone: + 27 (0)11 656 6035/4 Website: www.phoenixum.co.za E-mail: info@phoenixum.co.za Ana Mullins – Managing director E-mail: ana@phoenixum.co.za Michele Botha – Director E-mail: michele@phoenixum.co.za Products: Phoenix’s medical malpractice policies are divided into products for hospitals and clinics and practitioners.

M Medical malpractice and public liability/ products liability for hospitals and clinics indemnifies the insured for liability resulting from negligent or incorrect performance of professional duties, which results in bodily injury and property damage to another.

Cover includes compensation for bodily injury, disease or death as a result of professional negligence, under the medical malpractice cover; compensation for bodily injury and damage, under the public liability section; and indemnification against injury

and damage arising from the nature or condition of any product, under the products liability section.

Settlements costs, defence costs and claims handling expenses incurred by or on behalf of the insured are also indemnified.

Medical practitioners are exposed to liability in two ways. Practitioners may be indirectly liable where an employee, acting within the scope of their employment, negligently causes harm; while direct liability occurs if the practitioner’s negligence causes a patient to suffer damages.

Practitioner’s medical malpractice indemnifies medical practitioners for claims resulting from negligent or incorrect performance of their professional duties. Cover includes compensation for bodily injury, disease or death as a result of professional negligence, as well as settlement costs, defence costs and claims handling expenses incurred by or on behalf of the medical practitioner indemnified under this insurance.

General and Professional Liability Acceptances (Pty) Ltd Postal Address: P.O. Box 2667, Fourways, 2055 Contact: David Campbell or Roxanne Hunter Phone: +27 (0)11 706 0911 E-mail: dcampbell@gpla.co.za or

rhunter@gpla.co.za GPLA underwrite on behalf of Lloyd’s of London and provide cover to medical practitioners, allied healthcare practitioners and healthcare organisations.

Network Liability Underwriting Managers (Pty) Ltd Postal Address: P.O. Box 1281, Randpark Ridge, 2156 Phone: +27 (0)11 475 3585 Phone: +27 (0)11 475 0318 Website: www.networkliability.co.za Products underwritten: • Broad-form liability cover • Excess of loss liability

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• Event liability • Medical malpractice - cover for allied health professionals and clinics, not doctors/dentists/specialists.

• Motor third party liability • Product liability/product guarantee/recall • Professional indemnity • Trust fund misappropriation

Medical malpractice insurance / Malpractice cover / Mining Stalker Hutchison Admiral (Pty) Limited (SHA) Postal address: P.O. Box 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Helena du Plooy E-mail: duplooyh@sha.co.za

Products: Stalker Hutchison Agency’s medical products relate to medical malpractice, personal accident and medical insurance.

Malpractice cover for Allied Health Professionals and Clinics (excluding doctors/dentists/specialists) Network Liability Underwriting Managers (Pty) Ltd Postal Address: P.O. Box 1281, Randpark Ridge, 2156 Phone: +27 (0)11 475 3585 Phone: +27 (0)11 475 0318 Website: www.networkliability.co.za

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Products underwritten: • Broadform liability cover • Excess of loss liability • Event liability • Medical malpractice - cover for allied health professionals and clinics, not doctors/dentists/specialists.

• Motor third party liability • Product liability/product guarantee/recall • Professional indemnity • Trust fund misappropriation

Mining (performance guarantees, mining rehabilitation guarantees and liquidation bonds) SGI Guarantee Acceptances Postal Address: P.O. Box 2672, Cramerview, 2060 Phone: +27 (0)11 789 3352 Fax: +27 (0)11 781 1875 Website: www.sgiga.co.za

Lucien Mundie – Executive director E-mail: lucienm@sgiga.co.za Products: SGI Guarantee Acceptances’ products include performance/construction guarantees and liquidation/insolvency bonds.

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Marine and special risks

Marine and Special Risks Guardrisk

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Postal Address: P.O. Box 786015, Sandton, 2146 Phone: 0860 002 500 Fax: +27 (0)11 669 2240 Website: www.cre8sa.co.za Janice Saville Phone: +27 (0)11 669 3040 Fax: +27 (0)11 669 2779 E-mail: savillej@guardrisk.co.za Justin Stephen Phone: +27 (0)11 669 3022 Fax: +27 (0)11 669 2973 E-mail: stephenj@guardrisk.co.za Products: Guardrisk Allied Products and Services’ marine cargo product is called Navig8. It covers physical loss or damage to cargo only. Cover extends to cargo on land (stand-alone, inland transit for clients and cartage contractors and transporters carrying third party cargo), sea (full container loads, less than container loads or break-bulk) and air freight.

The basic policy includes all imports, exports, CIF/CIP contingency, coastwise shipments, cross voyages, FOB/CFR/FCA (exports) shipments, inland transits, postal deliveries and exhibitions, as well as trans-shipment and cover whilst in customs.

FOB/CFR/FCA exports and inland transit, which includes domestic coastal and airfreight deliveries, finished goods, raw materials and exhibitions.

Additional cover is available for containerised cargo (at no extra cost) and includes a hijacking/skyjacking clause, repairers’ clause and letter of credit and indemnity clause.

Further inclusions: • Airfreight replacement clause • Allocation and distribution period subject to negotiation prior to attachment of risk • Exhibition cover • Heating, sweating and condensation for containerised cargo • South American extension Excludes: • Consequential loss • Insolvency or financial default • Insufficient packaging • Inadequate stowage • Political confiscation • Radioactive contamination • Wilful misconduct of the insured • War risks on land

The standard policy covers imports, secondhand machinery, exports/cross voyages, Devereux Marine CC Postal Address: 18 Orchard Heights, Newlands, 7700 Phone: +27 (0)21 671 6612 Fax: +27 (0)21 671 1308 Cheryl Donald E-mail: cheryldonald@mweb.co.za

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Products: Devereux Marine underwrites marine insurance exclusively through Lloyd’s of London.

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

Marine and special risks Associated Marine Phone: +27 (0)11 912 8000 Fax: +27 (0)11 347 9283 Website: www.associatedmarine.co.za Petra Fordyce E-mail: petra.fordyce@amua.co.za

Policies can be extended to include cover for damage to cargo caused by delay, inherent vice and the breakdown or malfunctioning of refrigeration machinery in respect of cold chain cargoes.

Products: Associated Marine’s marine cargo policy provides cover for the physical loss or damage to cargo in respect of imports/exports, stock throughput, boat builders’ risks and advanced loss of profits.

• The imports/exports policy covers risks associated with transport by sea, road, rail and/or air from the point of origin to the final destination.

• Stock throughput policies combine imports, exports, storage and the redistribution of products.

• One-off covers or ongoing open policies in respect of imports/exports/storage and/or land cargo transportation are available.

• The advanced loss of profits policy protects against the loss of profit due to delayed cargo.

• Cargo policies include cover for debris removal, piracy, hijacking/armed robbery, strikes, war, containerised cargoes, bulk cargoes, car carriers, multimodal transportation and packaging materials/receptacles.

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Transit Underwriting Managers Postal Address: P.O. Box 23815, Claremont, 7735, Cape Town Phone: 0861 113 597 Fax: 0861 113 655 Website: www.tum.co.za E-mail: tum@tum.co.za Products: Transit Underwriting Managers’ marine cargo products relate specifically to goods-in-transit activities.

Includes: • Road, rail, or air within RSA and SADEC countries • Specified vehicles basis • One-off loads • Contingent liability covers load brokers and transport companies using sub-contractors • Fire, collision and overturning • Large fleet schemes • Excess buy-back options

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Marine and special risks 1Com Underwriting Managers

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Website: 1com.co.za Postal Address: Postnet Suite 221, Private Bag X75, Bryanston 2021

Port Elizabeth Phone: 086 1 266 735 E-mail: pe@1com.co.za

Durban Phone: 086 1 266 326 E-mail: dbn@1com.co.za

Johannesburg Phone: 086 1 266 562 E-mail: jhb@1com.co.za

Cape Town Phone: 086 1 266 278 E-mail: cpt@1com.co.za

Products: 1Com offers a range of marine products, including marine cargo insurance for the import and export of cargo; goods in transit for cargo transported within South Africa and cross-border transit to neighbouring states; as well as stock throughput cover for the import and local transit of cargo, including stock exposures whilst in storage; and hull insurance for yachts and pleasure craft.

Pretoria Phone: 086 1 266 778 E-mail: pta@1com.co.za Pietermaritzburg Phone: 086 1 266 792 E-mail: pmb@1com.co.za Astra Maritime Underwriting Postal Address: P.O. Box 1761, Cramerview, 2060 Phone: +27 (0)11 513 5000 Website: www.astra-maritime.co.za Steven Forcey E-mail: stevenf@astra-maritime.co.za Products: Astra Maritime Underwriting Managers underwrites on behalf of Hollard Insurance Company.

Includes: • Cargo insurance for imports and exports • Advance loss of profits (ALOP) • Goods-in-transit • Commercial hull insurance • High-value pleasure craft • Marine liabilities including freight liabilities, ship repairers, stevedores, charterers and marina operators

KILN SA (Head office) Postal Address: P.O. box 3304, Rivonia, 2128 Phone: +27 (0)11 612 9300 Fax: +27 (0)11 234 1557 Website: www.kilngroup.com/southafrica Johannesburg Mark Caietta – Executive manager marine Phone: +27 (0)11 612 9325 E-mail: mark.caietta@kilngroup.com Karin Christie – Marine manager underwriting

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Phone: +27 (0)11 612 9338 E-mail: karin.christie@kilngroup.com Cape Town Phone: +27 (0)21 673 8200 Fax: +27 (0)21 683 7324 Ian Smith – Marine director Phone: +27 (0)21 673 6208 E-mail: ian.smith@kilngroup.com Bruce Swanson – Marine manager Phone: +27 (0)21 673 6210

Marine and special risks / Marine liabilities (including charterers) E-mail: bruce.swanson@kilngroup.com Products: Kiln’s South African marine underwriting team knows local and international conditions and is able to assist and support brokers and/or clients in the local marine insurance market.

Products include: Marine risks: • Conventional and extended import/export

• Cargo policies • Road transport, haulier/freight forwarding and goods-in-transit Marine and special risks • Project cargo • Marine consequential loss • Bulk stockpile • Marine stock-throughput policies • Commercial fishing vessels • Stevedores’ liability • Trade disruption

Marine Liabilities (including charterers) Helm Underwriting Management Services (UMS) Physical Address: 131a Johannesburg Road, Johannesburg, Gauteng, 2192 Durban Phone: +27 (0)31 563 9640 Fax: +27 (0)31 563 1782 E-mail: ramona@ums.co.za Johannesburg: Dave Keeling – Branch manager Phone: +27 (0)11 679 4941 Fax: +27 (0)11 679 3499

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E-mail: dkeeling@iafrica.com Products: Helm Underwriting Management Services covers a range of marine insurancerelated products.

Includes: • Small craft risks and associated liabilities.

• Certain marine liabilities, including warehousemen’s liability and carriers’ legal liability.

Astra Maritime Underwriting Managers Postal Address: P.O. Box 1761, Cramerview, 2060 Phone: +27 (0)11 513 5000 Website: www.astra-maritime.co.za Steven Forcey E-mail: stevenf@astra-maritime.co.za

Products include: Marine liabilities including freight liabilities, ship repairers, stevedores, charterers and marina operators.

Associated Marine Postal Address: P.O. Box 55182 Northlands, 2116 Phone: +27 (0)11 912 8000 Fax: +27 (0)11 347 9283 Website: www.associatedmarine.co.za Petra Fordyce E-mail: petra.fordyce@amua.co.za Products: Associated Marine’s marine liability

products insure clients’ liability in terms of cargo handling Includes: • Ship repairers’ liability • Terminal operators’ liability • Stevedores’ liability • Charterers’ liability • Freight forwarders’ liability • Warehousemen’s liability

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Marine liabilities (including charterers) / Marine risks Devereux Marine CC Postal Address: 18 Orchard Heights, Newlands, 7700 Phone: +27 (0)21 671 6612 Fax: +27 (0)21 671 1308 Paul Devereux Cheryl Donald E-mail: cheryldonald@mweb.co.za

Products: Devereux Marine underwrites marine insurance exclusively through Lloyd’s of London. Devereux Marine 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.

Carl Greaves Brokers

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Postal Address: P.O. Box 4164 Old Oak, 7537 Phone: +27 (0)21 948 0630 Fax: +27 (0)21 948 0632 Website: www.cgbrokers.co.za E-mail: carl@cgbrokers.co.za Products: Carl Greaves’ marine policy insures imports and exports of all kinds of cargo, including cover for all transit legs locally and internationally.

It includes sea, air, road and rail transport.

Marine liability cover includes: • Inland transit • Contingency liability • Stock throughput • Ship repairers’ liability • Containers liability • Stevedores’ liability • Charterers’ liability

• Freight forwarders’ liability.

Protection and indemnity liability coverage is the broadest form of liability coverage available from Carl Greaves Brokers.

Includes: • Bodily injury.

• Property damage • Jones Act • Death on the High Seas Act • Wreck removal • US longshoremen and harbour workers • Maintenance and cure • Negligence regarding unseaworthy vessel • Damages in ‘rem’ (the vessel) • Defence in admiralty jurisdiction Watercraft liability coverage includes: • Bodily injury • Property damage

Marine risks Cargo Transit Insurance (PTY) Limited Postal Address P.O. Box 22195, Helderkruin, 1733 Phone: Switchboard: +27 (0)11 768-3087 / +27 (0)11 768 3287 Fax: +27 (0)11 669 2240 Peter Moodley Phone: (0)11 768-4622 (direct) Fax: 086 683 1536 E-mail: peter.moodley@cargotransit.co.za

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Feroza Evans Phone: (0)11 768-6244 (direct) Fax: 086 681 6618 E-mail: feroza.moodley@cargotransit.co.za Zainub Shaikh Phone: (0)11 768-3859 (direct) Fax: 086 681 1085 E-mail: zainub.shaikh@cargotransit.co.za

Marine risks Products: Specialising in marine and transit Insurance Marine and Special Risks: • Imports and exports • Goods In transit • Stock throughput

• Pleasurecraft insurance (within the republic of South Africa) • Household goods & personal effects • Advance loss of profits/increase cost of working • Container liability • Carriers legal liability

Helm Underwriting Management Services (UMS) Johannesburg Physical Address: 131a Johannesburg Road, Johannesburg, Gauteng, 2192 Dave Keeling – Branch manager Phone: +27 (0)11 679 4941 Fax: +27 (0)11 679 3499 E-mail: dkeeling@iafrica.com Durban Phone: +27 (0)31 563 9640 Fax: +27 (0)31 563 1782 E-mail: ramona@ums.co.za Products: Helm Underwriting Management Services covers a range of marine insurance-

related products.

Includes: • Marine import and export risks, from supplier’s warehouse overseas to final destination in South Africa and vice versa, including road, rail, air and sea freight.

• Goods in transit risks, whether the goods are moved by the owner’s vehicles, road hauliers or arranged by a transport broker, including road, rail, air and sea freight.

• Stock throughput risks, including the import, storage and distribution of cargo.

• Small craft risks and associated liabilities

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Marine risks Associated Marine Underwriting Postal Address: P.O. Box 55182, Northlands, 2116 Contact details: Phone: +27 (0)11 912 8000 Fax: +27 (0)11 347 9283 Website: www.associatedmarine.co.za Petra Fordyce E-mail: petra.fordyce@amua.co.za Products: Associated Marine’s marine hull product is specifically designed for the marine market and caters for fishing M

vessels, diamond recovery vessels and charter boats used for commercial purposes locally or internationally, as well as luxury yacht and small craft insurance for local and international travellers.

Includes: • Protection and indemnity.

• Collision liability.

• War and strikes cover.

• Passenger and third party liability.

Devereux Marine CC Postal Address: 18 Orchard Heights, Newlands, 7700 Phone: +27 (0)21 671 6612 Fax: +27 (0)21 671 1308 Paul Devereux Cheryl Donald E-mail: cheryldonald@mweb.co.za

Products: Devereux Marine underwrites marine insurance exclusively through Lloyd’s of London.

Devereux Marine 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.

KILN SA Phone: +27 (0)11 612 9300 Fax: +27 (0)11 234 1557 Website: www.kilngroup.com/southafrica (Head office) Postal Address: PO box 3304, Rivonia, 2128 Johannesburg Mark Caietta – Executive manager marine Phone: +27 (0)11 612 9325 E-mail: mark.caietta@kilngroup.com Karin Christie – Marine manager underwriting Phone: +27 (0)11 612 9338 E-mail: karin.christie@kilngroup.com Cape Town Physical Address: 5th Floor, Sunclare Building, 21 Dreyer Street, Claremont, 7700 Phone: +27 (0)21 673 8200 Fax: +27 (0)21 683 7324 Ian Smith – Marine director

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Phone: +27 (0)21 673 6208 E-mail: ian.smith@kilngroup.com Bruce Swanson – Marine manager Phone: +27 (0)21 673 6210 E-Mail: bruce.swanson@kilngroup.com Products: Kiln’s South African marine underwriting team knows local and international conditions and is able to assist and support brokers and/or clients in the local marine insurance market.

Products include: Marine risks • Conventional and extended import/export.

• Cargo policies • Small craft personal and private pleasure use • Road transport, haulier/freight forwarding and goods-in-transit

Marine risks Marine and special risks • Project cargo • Marine consequential loss • Bulk stockpile • Marine stock-throughput

• Commercial fishing vessels • Stevedores’ liability • Trade disruption

Carl Greaves Brokers Postal Address: P.O. Box 4164 Old Oak, 7537 Phone: +27 (0)21 948 0630 Fax: +27 (0)21 948 0632 Website: www.cgbrokers.co.za E-mail: carl@cgbrokers.co.za

• Towage risks • Repatriation • Death, permanent disability and medical expenses for all persons on the boat • New for old replacement in the first four years M

Products: Carl Greaves’ small craft policies are available for power boats, bass boats, semirigid craft, ski boats and jet skis and third party liability. Cover extends to 50 nautical miles off the South African, Namibian, Mozambique, Tanzanian and Kenyan coastlines.

Includes: • Collision or impact with submerged objects • Fouling of machinery by flotsam

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Marine risks Vanguard Marine and Leisure (Pty) Ltd Postal Address: Postnet Suite 388, P/Bag X1, Northcliff, 2115 Bradley Kuhn E-mail: bradley@vanguardinsurance.co.za Phone: +27 (0)861 001 135 Fax: +27 (0)11 431 0394 Website: www.vanguardinsurance.co.za Products: Vanguard Marine and Leisure specialises in providing insurance solutions to the boating fraternity via the insurance broker market.

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The product offering begins with the insurance for watercraft and also includes cover for the full rig, being the tow vehicle, trailer/caravan, specified all risks items and liability covers.

The company’s aim is to provide private and pleasure customers with the peace of mind that consistent cover is maintained for the rig whether at home, in transit to far away destinations, weekend transits to local launches or whilst on the water. One policy not only ensures consistent

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cover, but also a consistent philosophy to claims.

Includes: Watercraft • Full comprehensive cover • New replacement settlement basis for vessels under four-years old • Liability – includes waterskiing – selectable limits up to R20 million • Repatriation • Medical expenses • Yacht racing risks Motor (limited use) • GVM up to 5 000 kg • New replacement value on vehicles less than one-year old • Medical expenses • Protection and repair • Emergency hotel expenses • Trauma • Locks and keys • Liability limits – up to R20 million

Misappropriation of trust funds

Misappropriation of Trust Funds Network Liability Underwriting Managers (Pty) Ltd Postal Address: P.O. Box 1281, Randpark Ridge, 2156 Phone: +27 (0)11 475 3585 Phone: +27 (0)11 475 0318 Website: www.networkliability.co.za Products underwritten: • Broad-form liability cover • Excess of loss liability

• Event liability • Medical malpractice - cover for allied health professionals and clinics, not doctors/ dentists/specialists.

• Motor third party liability • Product liability/product guarantee/recall • Professional indemnity • Trust fund misappropriation

Shackleton Postal Address: P.O. Box 393, Strathavon, 2031 Phone: +27 (0)11 784 5373 Fax: 0866 113 226 Website: www.shackletonrisk.co.za E-mail: info@srisk.co.za Michael John Damant E-mail: michael@srisk.co.za Products: Shackleton Risk Management specialises in niche market commercial insurance products to attorneys and

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liquidators. Product types include liquidation bonds, professional indemnity, fidelity guarantee and trust fund misappropriation, as it applies to attorneys. Trust fund misappropriation cover may be taken out on a blanket basis or on named persons and named persons basis. MTF Insurance protects the practice from theft/misappropriation of trust fund monies by directors or employees from the firm’s trust accounts. MTF insurance can be taken out on a blanket basis or on a named persons and named positions basis.

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Motor fleet Beyonda (Pty) Ltd Postal Address: P.O. Box 1860, Bedfordview, 2008 Contact details: Phone: +27 (0)11 023-6561 Fax: +27 (086) 600 0964 Website: www.beyonda.co.za E-mail: gerharddb@beyonda.co.za Products: As pioneers of excess buy down products Beyonda provides clients with all their commercial vehicle excess/deductible requirements. Beyonda is also proud to announce that we now offer comprehensive goods in transit cover. Protect your cashflow by insuring your excesses.

Our value-added products include: • Own damage excess buy down

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• Theft/hijack excess buy down • Penalty excess buy down • Goods in transit excess buy down • Loss of use/Iicome cover • Credit shortfall • Deposit protector • Tow fee top up cover • Stand-alone windscreen cover

Motor fleet

CBC-Fleet Insurance Solutions Postal Adress: P.O. Box 654, Bedfordview, 2008 Bedfordview, Johannesburg Phone: +27 (0)11 615 3640 Fax : +27 (0)11 615 3678 E-mail: mike@captive.co.za or chris@captive.co.za Umhlanga Rocks, Durban Phone: +27 (0)31 561 1326 Fax : +27 (0)31 561 1328 E-mail: bryan@captive.co.za or rina@captive. co.zaWebsite: www.captive.co.za

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Products: • Comprehensive cover (or restrictive covers).

• Profitshare.

• Aggregate funds.

• Progressive funds.

• Extended covers available: • Own damage Africa, south of the Equator.

• Special types.

• Liability cover up to R20 million.

• Can include sedan motors as well as LDVs, caravans and motorcycles.

• Exclusions: Bus fleets, rental vehicles and taxis.

Fleet Risk Underwriters Postal Adress: P.O. Box 313, Kloof, 3640 Phone: +27 (0)31 818 0203 Fax: +27 (0)31 818 0213 Website: www.fleetru.co.za

owners, as well as bus fleets and individual owners, hauliers, owner driver schemes and affinity groups and small tour operators. Fleet Risk Underwriters underwrites on behalf of Guardrisk Insurance Company Limited.

Pat Healy E-mail: pat@fleetru.co.za Johannesburg: Phone: +27 (0)11 326 2951 Fax: +27 (0)11 326 2952

Includes: • Conventional motor insurance including comprehensive; third party; and third party, fire and theft.

• Fare-paying passenger liability as an extension to comprehensive cover.

• Self-insured (aggregate deductible) programmes.

Lauren Healy E-mail: lauren@aua.co.za Products: Fleet Risk Underwriters provides products for commercial and industrial fleet

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Motor fleet Guardrisk Postal Address: P.O. Box 786015, Sandton, 2146 Phone: 0860 002 500 Fax: +27 (0)11 669 2240 Website: www.cre8.co.za E-mail: info2@guardrisk.co.za Ian Labram Phone: +27 (0)11 669 3161 E-mail: labrami@guardrisk.co.za Maureen Mitchell Phone: +27 (0)11 669 3709 E-mail: autom8@guardrisk.co.za M

Products: Guardrisk Allied Products and Services’ motor fleet product is called Autom8; insurance portfolios can be tailored to suit client needs. The fleet policy has a minimum requirement of 15 vehicles.

Includes: • Territorial limits extend to African countries south of the equator • New for old • Credit shortfall • Emergency travel costs • Windscreen cover (includes headlamps) • Search and recovery charges • Car hire • Radio and sound equipment • Annual premium financing facility • Third party liability • Passenger liability • Medical expenses Excludes: • Car hire companies • Driving schools • Courier risks

• Transport contractors • Taxis and shuttle services • High-value executive vehicles Transease is a variation on Guardrisk’s motor fleet products that cover bus operators and ensures the continuation of business in the event of a loss.

Product limits: • Own damage up to R3 million covers loss or damage to the insured vehicle and includes reasonable costs of protection and removal.

• Legal liability to third parties up to R200 million covers all sums including claimants’ cost and expenses which the insured or passenger shall become legally liable to pay.

• Passenger liability up to R200 million provides indemnity for death or injury to any passenger as a result of the negligence of the bus operator.

• Criminal defence cost up to R150 000 provides the insured’s driver with indemnity for expenses incurred or to be incurred in defence of any criminal action against the driver (cover is limited to R10 000 per employee per year).

Optional extensions: • Medical evacuation: emergency medical response to the scene and advanced lifesaving resuscitation.

• Personal accident cover (Compens8): in respect of employees’ (driver/other) and passengers’ death/permanent disability/hospitalisation.

• Increased cost of working: covers additional expenditures in maintaining normal operations.

• Accident management costs.

• Loss or damage to baggage.

• Passenger liability.

• Credit shortfall.

Hospitality, Industrial & Commercial Underwriting Managers Pty Ltd (HIC Underwriting Managers) Head office physical address: 11B Riley Road, Eastwood Office Park, Bedfordview Phone: +27 (0) 11 455 5271 Fax: +27 (0) 11 455 4779 Website: www.hicsa.co.za E-mail: info@hicsa.co.za

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

Motor fleet Captive Group Postal Address: Postnet Suite 221, Private Bag X75, Bryanston 2021 1Com Phone: +27 (0)86 1 266 562 Website: www.1com.co.za Products: 1Coms’s motor liability product

provides insurance against civil liability arising out of the use of motor vehicles. It covers liability for property damage and bodily injury for passengers. Motor excess liability is available. Cover can be taken on a stand-alone basis or as an excess layer above an underlying policy.

Paladin Underwriting Managers Postal Address: P.O. Box 613, Rondebosch, 7701 Website: www.paladin.co.za – under construction Cape Town Peter Donald Phone: +27 (0)21 686 7270 E-mail: peter@paladin.co.za Johannesburg Natalie Slabbert Phone: +27 (0)11 523 9550 E-mail: natalie@paladin.co.za

written on a fleet or specified basis, with a choice of flat conventional, aggregate excess, or burning cost basis. Products are tailored for commercial motor fleets and include car and bakkie rental companies but exclude taxis and driving schools. Road assist products can be added to the basic motor policy.

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Heavy haulage business is underwritten only on a self-funded programme with an aggregate excess and/or stop-loss protection.

Products: Paladin Underwriting Managers provides motor policies for commercial ventures SAMIB Underwriting Managers Postal Address: P.O. Box 24640, Monument Park, 0105 Phone: +27 (0)12 346 6160 Fax: +27 (0)21 346 2856 Website: www.samib.co.za Richard – Heavy vehicle insurance E-mail: richard@samibsa.co.za Frans Beetge – Managing director E-mail: drbeetge@samibsa.co.za Products: SAMIB Underwriting Managers provides insurance cover for heavy commercial vehicles as well as the goods they transport.

Cover is provided for all vehicles that make up heavy commercial fleets, including vehicles used in construction work, sedan cars and light delivery vans. Busses, taxis and motor cycles

are excluded.

Products include: • Comprehensive cover • Restrictive covers • Funding (contingency policies) • Profit-sharing incentive schemes • Goods-in-transit • The transport of hazardous goods • All risk cover • Special types of vehicles • Excess buy-backs • Loss of use • Credit shortfall • Funeral cover for the fleet owner, drivers and their families

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Motor fleet / Motor homes and caravans Katz Breskal Postal Address: P.O. Box 437, Century City, 7446 Phone: +27 (0)21 525 2500 Fax: +27 (0)21 525 2511

Website: www.katzbreskal.co.za E-mail: info@kbib.co.za

Stalker Hutchison Admiral (Pty) Limited (SHA) Postal address: 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Mike Forrest E-mail: forrestm@sha.co.za M

Products: Our ability to customise our products, while maintaining valid underwriting principles makes us an industry leader. We offer

the following products: Motor • Risk-controlled commercial fleets • Self-insured fund protection (aggregrates) • Own damage and third party • Clean-up and spillage costs including pollution • Fare-paying passenger liability • Excess of loss motor liability

Motor homes and caravans Cara-Sure Postal address: P.O. Box 69360, Bryanston, 2021 Annelize Louw Tel: +27 (0) 86 186 8765 Fax: + 27 (0) 86 615 2756 Email: info@carasure.com Web: www.CaraSure.com Products: Specialist leisure vehicle benefits available for caravans, off-road caravans and trailers, camper trailers and motor homes: Fully comprehensive insurance Accidents • Accidental damage • Malicious damage • Theft • Hijack • Storm damage

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Leisure vehicle contents Overall limit of R30 000 Caracare benefit • Covers towing vehicle and leisure vehicle for roadside, travel and home assistance • Automatically included

Motorcycles and quad bikes

Motorcycles and quad bikes Apex Underwriting Managers Postal address: P.O. Box 11344, Wierda Park South, 0057 Phone: 0861 046 046 Fax: 0866 863 532 Website: www.apexsa.co.za E-mail: info@apexsa.co.za Products: Apex is a specialist bike insurer and is underwritten by Hollard. Its core insurance products include superbikes, quad and off-road bikes and cruisers and dual purpose motorcycles. Apex understands the value of accessories and performance enhancers, which are provided for under optional extras. Underwriting is unique to each individual.

Includes: • Approved track school cover with easy to understand excess structure.

• En-route on-cycle insurance which covers death, permanent disability, temporary disability and medical expenses even if the insured has medical aid.

Optional extras: • Non-standard accessories, riding gear and apparel and trailer can be specified.

• Pillion cover for all passengers who do not need to be named.

• 24-hour roadside assistance.

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Quicksure Postal address: P.O. Box 4060, Dalpark, 1543 Phone: +27 (0)11 748 4700 Fax: +27 (0)11 740 6020 Website: www.quicksure.co.za E-mail: info@quicksure.co.za Lappies Labuschagne Phone: +27 (0)11 748 4818 Products: Quicksure Commercial insures all types of motorcycles, off-road bikes, quad bikes and track bikes. Cover is available for riders with learners’ licences. Products cover

riders’ special event track days with approved track schools; all four categories (A, B, C and D) for track days are insured. Riding apparel and helmets can be insured on a specified allrisks basis. Motorcycle and quad bike trailers can be covered on the same policy.

Furthermore, an AA roadside assistance programme is available for all insured riders, as are special tow vehicles to pick up fallen bikes. There is also a personal accident policy and a loyalty programme.

Cross Country Insurance Consultants (Pty) Ltd. Postal address: P.O. Box 731065, Fairlands, Randburg, 2030 Phone: +27 (0) 11 215 8800 Quotes 0861 XCOUNTRY Fax: +27 (0) 11 476 8205 (underwriting) Fax: +27 (0) 11 476 8229 (claims) Website www.ccic.co.za Comprehensive Insurance on 4x4’s, marine and pleasure craft, dual purpose, quad and dirt bikes including other outdoor equipment.

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Motorcycles and quad bikes Wheels Underwriting Managers (Pty) Ltd Postal address: P.O. Box Postnet Suite 421, Private Bag X75, Bryanston 2021 Phone: +27 (0)11 267 4002/0860 103 412 Fax: +27 (0)11 267 4925 Website: www.wheelrite.co.za Stephen Cox (National marketing manager of motorcycles, classics and sports) E-mail: scox@wheelrite.co.za

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Products: Wheels Underwriting Managers’ offers products for all types of motorcycles. Products favour mature riders and aren’t available to motorcyclists under the age of 28-years old. Cover is not available for bikes that are older than seven years, unless by special arrangement.

• Replacement should the bike be less than one-year old Quad bike cover includes: • Specified all-risks • Excess buy-back Optional add-ons include: • Specified all risk cover • Accident tyre damage • Excess buy-back • Fleetcare roadside assist (provided by the AA).

• Passenger liability cover • Personal accident cover

Includes: • Cover for learners’ license holders (with restrictions) • Individual underwriting and preferential rates for mature riders • Limited track day cover Risk Guard Alliance Postal address: P.O. Box 73450, Lynnwood Ridge, Pretoria, 0040 Phone: 0861 102 025 Fax: 0861 102 000 Deon van Wyk Website: www.riskga.co.za E-mail: deon@riskga.co.za Products: Risk Guard Alliance provides comprehensive motorcycle cover, either as a stand-alone motorcycle policy or as a combined policy. Products available: BikeGuard and BikeGuard+.

Includes: • Comprehensive insurance to all road, off-road and quad motorcycles.

• Riding gear and apparel can be specified.

• Non-standard accessories can be specified.

• Motorcycle trailers can be insured for a

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specified amount.

• Premiums are calculated on specific risk and underwriting criteria; good risk clients don’t subsidise bad risk clients.

• Insured value is based on retail value.

• Vehicle replacement with new vehicle in the event of total loss within 12 months of date of first registration or 5 000 km.

• Low excess structure.

• Approved track schools: Classes A, B, C and D. • MSA-endorsed racing cover on two-wheeled off-road motorcycles.

• Extended cover outside RSA. • 24/7 roadside assistance, including collection of insured vehicle from the scene of an accident.

• Roadside assistance is available in the event of: o Flat tyre o Electrical or mechanical fault o Vehicle breakdown o Running out of fuel

Motorcycles and quad bikes Dirtsure Phone: 086 123 3478 Fax: 0861 237 002 Website: www.dirtsure.co.za E-mail: info@dirtsure.co.za TuffStuff Postal Address: P.O. Box 11975, Aston Manor, 1630 Phone: +27 (0)11 394 8235 Website: www.tuffstuff.co.za E-mail: info@tuffstuff.co.za Products: TuffStuff’s specialised 4x4 and 4x2 double cab cover can be extended to include quad bikes and motorcycles.

Includes: • Medical evacuation from any country south of the equator with guaranteed hospitalisation in SA in private hospitals.

• Airborne technical assistance while outside the

borders of SA but south of the equator.

• IRO electronic failure.

• Mechanical failure.

• Loss of keys.

• Full repatriation back to SA should they not be able to remedy the situation.

• Repatriation following an accident, theft or hijacking.

• Emergency accommodation for all occupants of the vehicle following any incident covered in terms of the above points.

• Car hire following an accident or theft up to 75 days.

• International legal assistance anywhere south of the Equator.

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Harnacks Physical address: 3rd Floor Church Square House, Cape Town, 8000 Phone: +27 (0)21 461 4200 Fax: 088 021 461 2811 Website: www.bikesuresa.co.za Bevan Collins E-mail: bevan@bikesuresa.co.za

Innovative ratings include: • Female rider discounts • Advanced rider credit • Classic and collectors’ bike cover • Multiple bike owner cover

Products: Bikesure is an independent underwriting management agency which provides a range of bike insurance products.

Includes: • Superbikes • Pedal bikes • Cruisers • Off-roads and quads Bikesure’s preferred target market is specialist bike brokers, but dealers have reacted favourably to their offering.

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Specialised high value executive motor vehicles

Specialised high value executive motor vehicles Aquarius Underwriting Managers (Pty) Ltd Postal address: P.O. Box 3002, Bromhof, 2154 Drew Schnehage Deputy managing director Phone: 086 727 7854 Fax: 086 688 8361 Cell: 082 570 0359 www.aum.co.za

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Products: U-NIQUE Exec: This policy is specifically designed for owners of valuable executive vehicles with values in excess of R 350,000.

We insure executive, classic and exotic cars on a stand-alone basis or as part of our U-nique personal or U-nique entrepreneurs policy.

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 • Liability cover – if you damage someone else’s property 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 optional

Echelon Physical address: Block C, Unit 3, Coachman’s Crossing Office Park, 4 Brian Street, Lyme Park, Bryanston Phone: +27 (0)21 657 1100/1/2/3

Fax: +27 (0)21 683 5441 Website: www.echelonpci.co.za E-mail: jackie@echelonpci.co.za

Execuline Motor Underwriting Managers All Branches: Phone: 0861 106 106 Website: www.execuline.co.za Postal address: P.O. Box 2926, Bedfordview, 2008 Gauteng: Phone: +27 (0) 11 663 0500 Fax: +27 (0) 11 663 0640 Durban: Phone: +27 (0) 31 502 5242

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Fax: +27 (0) 31 502 5367 Cape Town: Phone: +27 (0) 21 702 1430 Fax: +27 (0) 21 702 1431 Products: Motor insurance designed for executive and high value vehicles as our core product. Cover for classic vehicles, motorcycles, lower valued vehicles and younger drivers offered as an addition to the above product.

Specialised high value executive motor vehicles Executive Motor Policy includes: • Replacement value settlement in the first year of registration as a new vehicle, (if the first owner), retail value thereafter.

• No excess where there is a theft/hijack or attempt thereat 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 and theft.

• Locks and keys cover.

• Windscreen cover.

• Headlamp breakage is covered as an extension.

• Top-up cover can be provided.

• 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.

• Medical expenses cover in the event of accident and hijack.

• Trauma cover includes counselling as a result of hijack or fatal accident.

• General liability cover granted to third parties arising out of one event. Limits apply.

Roadside assistance automatically included.

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 25per cent of vehicle value.

• Importation of parts included up to R5 000.

• General liability cover granted to third parties arising out of one event. Limits apply.

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Motorcycles: • Total loss or theft claims settled on retail value.

• Roadside assistance included.

• Non-standard accessories may be specified.

• On and off-road bikes.

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Specialised high value executive motor vehicles MUA Insurance Acceptances Postal address: P.O. Box 84 Century City 7446 Cape Town: Phone: +27 (0)21 525 6200 Fax: +27 (0)21 525 6300 Johannesburg Phone: +27 (0)11 560 0600 Fax: +27 (0)11 327 1710

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Durban Phone: +27 (0)31 275 8600 Fax: +27 (0)31 265 1719 Email: info@mua.co.za Website: www.mua.co.za MUA’s Executive Motor cover follows the winning strategy of service excellence that we have so successfully implemented in the past. Focusing on our clients individual needs, MUA provides a personal, tailored and flexible approach to underwriting, enabling the individual to choose the desired nature and level of cover, as well as the terms on which this cover is provided. This client-centric flexibility has resulted in steady growth in both the MUA portfolio and levels of expertise required to underwrite our chosen niche successfully.

Products: MUA Insurance Acceptances specialize in the insurance of high-value executive classic cars and motorcycles.

Includes: Executive Motor Insurance Comprehensive specialist motor vehicle insurance for executive, exotic and other family

owned cars, motorcycles, caravans and trailers for the personal lines market.

Classic Motor insurance MUA is the foremost SA insurance underwriter of vintage, classic and collectable motor vehicles. The Classic Motor Policy offers a niche product designed specifically for enthusiasts of classic motoring, by enthusiasts of classic motoring.

MUA’s Single Trauma Philosophy A car accident or burglary is traumatic enough.

At MUA we aim to make claims processing and recovery as quick and painless as possible.

Our guarantee to you is that, if you are not entirely satisfied with your policy, you may return it to us. We will refund your premium in full, if your policy is returned within 15 days and you have not made a claim.

MUA Emergency Assist and information helplines Available 24 hours, the MUA Emergency roadside helplines offer you peace of mind in the event of an emergency, dispatching service providers and covering call-out and other fees, as detailed in your policy. Assistance add-on services give you and your loved ones complete peace of mind, wherever you might be, in the event of an emergency.

Our policies are tailored to meet the specific needs of our clients and this short summary cannot elaborate on how every one of its benefits, terms, conditions and exclusions will apply to you.

Risk Guard Alliance Postal address: P.O. Box 73450, Lynnwood Ridge, Pretoria, 0040 Tel: 086 110 2025 Website: www.riskga.co.za E-mail: commercial@riskga.co.za

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Products: Risk Guard Alliance is a dynamic underwriting agency, which prides itself in giving brokers and clients excellent service. We offer comprehensive insurance on a stand-alone basis on our Autoguard product for high valued vehicles of R250 000 and up.

Specialised high value executive motor vehicles Vantage Insurance Postal address: P.O. Box 171, Constantia, 7848 Phone : 021 701 7569 Fax : 021 701 1629 Website : www.vantageinsurance.co.za E-mail : info@vantageinsurance.co.za Inclusions : • Full retail value as basis of indemnity up to R 5 million • Retail value linked to the auto dealers guide • New replacement vehicle as basis of total loss in 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 R10m 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 R 5000 allowed • Road side assist cover available • Territorial limits covers most of Southern and Eastern Africa • Special terms for retired people such as a nil excess • Free vehicle inspections • 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

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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

Wheels Underwriting Managers (Pty) Ltd Postal address: P.O. Box Postnet Suite 421, Private Bag X75, Bryanston 2021 Phone: +27 (0)11 267 4002/0860 103 412 Fax: +27 (0)11 267 4925 Website: www.wheelrite.co.za Stephen Cox (National marketing manager of motorcycles, classics and sports) E-mail: scox@wheelrite.co.za Products: Wheels provides cover for classic and vintage sports cars

Includes: • Agreed values • Custom designed cover options • Guarantee of repairs • No import of parts restrictions • Increased sum insured available for repair costs above market value • In-house specialised claims assessment and follow-up service on repairs • Insured has option on salvage • Limited business use

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Specialised high value executive motor vehicles / Specialised insurance for 4x4 owners Zenith Postal address: P.O. Box 3505, Paarl, 7620 Phone: +27 (0)21 872 4872 LB Kirsten – Managing director Fax: +27 (0)21 8727168 E-mail: info@zenithinsure.co.za Website: www.zenithinsure.co.za Products: This product offers very high cover limits, asset all risk cover, commercial cover for

home offices and home industries, an elective excess structure, a risk inventory and pictorial, full AA membership and more.

Business policies: Commercial cover for small businesses, professional practices and entrepreneurs can be complemented by an asset-based policy for larger corporates.

Specialised insurance for 4x4 owners M

TuffStuff Postal Address: P.O. Box 11975, Aston Manor, 1630 Phone: +27 (0)11 394 8235 Website: www.tuffstuff.co.za E-mail: info@tuffstuff.co.za Products: TuffStuff specialises in 4x4 and 4x2 double cab cover.

Includes: • Medical evacuation from any country south of the Equator with guaranteed hospitalisation in SA in private hospitals.

• Airborne technical assistance while outside the borders of SA but south of the Equator.

• IRO electronic failure.

• Mechanical failure.

• Loss of keys.

• Full repatriation back to SA should they not be able to remedy the situation.

• Repatriation following an accident, theft or hijacking.

• Emergency accommodation for all occupants of the vehicle following any incident covered in terms of the above points.

• Car hire following an accident or theft up to 75 days.

• International legal assistance anywhere south of the equator.

Cross Country Insurance Consultants (Pty) Ltd. Postal address: P.O. Box 731065, Fairlands, Randburg, 2030 Phone: +27 (0) 11 215 8800 Quotes 0861 XCOUNTRY Fax: +27 (0) 11 476 8205 (underwriting) Fax: +27 (0) 11 476 8229 (claims) Website www.ccic.co.za Comprehensive Insurance on 4x4’s, marine and pleasure craft, dual purpose, quad and dirt bikes including other outdoor equipment.

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Motor vehicle rental insurance / Motor small area repair

Motor vehicle rental insurance Chartered Auto Underwriting Agency Postal address: P.O. Box 78589, Sandton, 2146 Phone: +27 (0) 086 100 2282 Fax: +27 (0) 086 100 2283 Website: www.caua.co.za

E-mail: info@caua.co.za

Motor small area repair Small Motor Accident Repair Technology Underwriting Managers Pty Ltd. (SMART) Postal address: P.O. Box 265458, Three Rivers, 1935 Contact Details: Tel: 016 454 2000 Fax: 0113889823 Website: www.smartinsurance.co.za E-mail: info@smartinsurance.co.za Smart is a revolutionary product that covers small damage to your vehicle, allowing you to keep it in tip-top condition without denting your no-claim bonus. Everyday wear and tear not only decreases SmartAds.fh11 Page unsightly 2 the value of your12/1/10 vehicle, 8:22 but itAM becomes over time if not maintained. Customised to your

Composite

needs, affordable and easy to use – this plan is simply SMART! Benefit the SMART way: • Claim as often as you need without excess, no premium increases • No excess/fee payable on repairs done under this plan • No effect on your no – claim bonus • Superior finish that will ensure excellent resale value • Mobile repairs (in areas where available) • Quality body repair shops nationwide C M Y claims CM MY centre CY CMY K • Professional

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Motor third party liabilities / Motor warranties/mechanical breakdown

Motor third party liabilities CIB Postal address: Private Bag X1600, Bedfordview, 2008 Phone: +27 (0)11 455 5101 Fax: +27 (0)11 455 5202 Website: www.cib.co.za E-mail: admin@cib.co.za Products: CIB’s products provide cover for private motor cars, trailers and caravans not exceeding 3 500 kg in gross vehicle mass.

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Cover extends to private motor vehicles and light delivery vehicles, commercial vehicles and special types, motorcycles, busses, trailers and caravans.

Includes: • Locks and keys • Wreckage removal • Instruction for repairs • Parking facilities • Fire extinguisher charges

Includes: • Third party fire and theft cover: limited to loss or damage as a direct result of fire and theft, as well as accidental damage to third parties. Accidental damage to your own vehicle is not covered.

• Third party: accidental third party property damage, death and injury on privately owned motor vehicles.

Tracker

Making a difference to insurers.

PROFILING RISK SO YOU CAN PROFILE PREMIUMS Using telematics, we can record driver behaviour in detail, providing you with the data to improve your individual risk-rating methodologies.

Call 0860 60 50 40 | Crime Stop 08600 10 111

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Motor third party liabilities / Motor warranties/mechanical breakdown Network Liability Underwriting Managers (Pty) Ltd Postal address: P.O. Box 1281, Randpark Ridge, 2156 Phone: +27 (0)11 475 3585 Phone: +27 (0)11 475 0318 Website: www.networkliability.co.za Products underwritten: • Broad-form liability cover • Excess of loss liability

• Event liability • Medical malpractice - cover for allied health professionals and clinics, not doctors/ dentists/specialists.

• Motor third party liability • Product liability/product guarantee/recall • Professional indemnity • Trust fund misappropriation

Leppard Underwriting Postal address: P.O. Box 2730, Houghton, 2041 Phone: +27 (0)11 459 1640 Fax: +27 (0)11 268 5887 Website: www.leppard.co.za Raymond Rey

E-mail: raymond@leppard.co.za M Products: Leppard’s motor fleet third party liability insurance falls under the ambit of its liability insurance products.

Motor warranties/mechanical breakdown Advantage Motor Plan Physical address: Property Business Park, 389c Ontdekkers road, Florida Park, Roodepoort Phone: +27 (0)11 288 7300 Fax: +27 (0)11 288 7331 Website: www.ida.co.za E-mail: johan@ampwarranty.co.za

Products: With AMP, individual motorists, motor dealers and vehicle finance houses can enjoy the benefits of an extended warranty on both new and pre-owned vehicles. The products are underwritten

by Hollard Insurance.

Motorite Insurance Administrators PTY (Ltd) Postal address: P.O. Box 1034, Gallo Manor, 2052 Justen Cooper: Managing director Jonathan Vogelzang: Financial director Address: Motorite House, Nanyuki Office Park, 69 Nanyuki Street, Sunninghill 2157 Postal address: P O Box 1034, Gallo Manor 2052 Telephone: 0860 66 22 11 Fax: +27 (0)11 259 4894 E-mail: cssupport@motorite.co.za Website: www.motorite.co.za

service and maintenance plans, FSP license no. 9140. Motorite provides formula vehicle warranties, motorway maintenance plans, motorway service plans and truck warranties.

Diversifying the product range propelled the company into establishing valuable strategic partnerships. Motorite has invested in extensive market research to ascertain which service providers were best equipped to support its strategic development. Customers are thereby assured that the extended services and products they receive through Motorite are of the highest standard.

Product: Product and services within the motor vehicle insurance industry, including warranty,

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Motor vehicle personal accident cover

Motor vehicle personal accident cover FASA/Enroute Postal address: P.O. Box 1112, Houghton, 2041 Head office Phone: 0861 327 222 Fax: +27 (0)11 643 5536 Cape Town Phone: +27 (0)21 555 4700 Fax: +27 (0)21 413 1938 Website: www.enroute.co.za

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Products: 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.

IN-CAR INSURANCE

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0860 012 301

Includes: • Death • Permanent total disability • Temporary total disability • Medical expenses Extensions: • Disappearance and exposure to elements following an accident.

• Hijacking and trauma counselling.

Motor vehicle personal accident cover

Postal address: P.O. Box 55347, Northlands, 2116 Phone: +27 (0)11 731 3600 Products: Our ability to customise our products, whilst maintaining valid underwriting principles makes us an industry leader. We offer the following products: Personal accident • Customised packages for specific clients’ needs • Corporate, voluntary group schemes • Capital sum payments or weekly benefits • Dread disease Cover can be arranged on a 24-hour basis or restricted to working hours only. The wording is

internationally acceptable with limited exclusions.

The company offers numerous extensions at no extra cost and is able to write aggregate deductible policies.

Contingency cover • Hole-in-one.

Motor • Risk-controlled commercial fleets • Self-insured fund protection (aggregrates) • Own damage and third party • Clean-up and spillage costs including pollution • Fare-paying passenger liability • Excess of loss motor liability

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Pension trustees’ liability / Performance guarantees

Pension trustees’ liability Phoenix Underwriting Managers Postal address: P.O. Box 1888, Gallo Manor, 2052 Phone: + 27 (0)11 656 6035/4 Website: www.phoenixum.co.za E-mail: info@phoenixum.co.za Ana Mullins – Managing director E-mail: ana@phoenixum.co.za Michele Botha – Director E-mail: michele@phoenixum.co.za P Q R

Products: Phoenix’s pension/retirement fund trustees insurance protects trustees appointed by fund members against litigation by indemnifying them for fund losses that result from negligence, theft, fraud and dishonesty and computer crime committed by trustees in their capacity as officers of the fund.

Settlement costs, defence costs and claims handling expenses incurred by or on behalf of the trustee indemnified under the policy are also covered.

Camargue Underwriting Managers Postal address: Postnet 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 356 4842 Website: www.camargueum.co.za E-mail: camargue@camargueum.co.za Peter Downham – Director of operations Phone: +27 (0)11 356 4833 E-mail: peter@camargueum.co.za Lucian Carciumaru - Underwriter Phone: +27 (0)11 356 4830 E-mail: lucian@camargueum.co.za

Products: Camargue Underwriting Managers’ pension fund trustees’ liability cover indemnifies the fund in respect of claims/losses resulting from the actions of a trustee or officer as a result of negligence, theft, fraud and dishonesty. It also indemnifies the fund in respect of claims/losses resulting from third party computer crime.

Exclusions: • Any wilful breach of the procedural and other material aspects of current pension law.

• Bodily injury or property damage.

• Prior and pending litigation up to three months after inception of the policy.

Performance guarantees AC & E Underwriting Managers Physical address: 8th Floor, The Atrium, 41 Stanley Road, Milpark, Johannesburg, 2001 Phone: +27 (0)11 482 1635 Fax: +27 (0)11 482 1638 Website: www.engineeringace.co.za Products: AC&E offers construction guarantees/bonds including bid bonds or letters of intent, performance bonds, maintenance bonds, advance payment bonds (mainly for construction sites outside RSA), retention monies bonds and Eskom guarantees.

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Performance guarantees 1Com Postal address: Postnet Suite 221, Private Bag X75, Bryanston, 2021 Phone: +27 (0)86 1 266 562 Website: www.1com.co.za

Products: Commercial assets, commercial motor, engineering, bonds and guarantees, marine, goods-in-transit, liability, private motor, personal lines, commuter (taxi).

C & G Underwriting Managers Johannesburg 349 Columbine Ave Mondeor Johannesburg 2001 Tel: +27 (0)11 838 6957 Fax: +27 (0)11 832 1477 Doug Chisholm Cell: +27 (0)82 967 0606 E-mail: dougc@coim.co.za Web: www.engineeringunderwriters.co.za Cape Town 1st Floor Stonefountain Terrace 95 Klipfontein Road Rondebosch Cape Town 7700 Tel: +27 (0)21 685 1879 Fax: +27 (0)21 685 5270

Mike Robson Cell: +27 (0)82 447 5969 E-mail: miker@coim.co.za Web: www.engineeringunderwriters.co.za Products: Site risk insurance: • 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 • Deterioration of stock • Works damage • Electronic equipment

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Guarantees: • Performance guarantees • Retention guarantees • Advanced payment guarantees • Bid/tender guarantees

Performance and Customs Bond Services (Pty) Ltd Postal Address: Postnet Suite 353, Private Bag X30500, Houghton, 2041 Website: www.pcbs.co.za Phone: +27 (0)11 482 2592 E-mail: info@pcbs.co.za Products: Recognising that credit insurance policies are currently available in the market for buyers only and not for suppliers, Performance and Custom Bonds (PCBS) offers supplier guarantees within the construction

industry; for example, in the case of provision of steel and building material to contractors and other players in the industry • Bid bonds (letter of intent) • Performance guarantees • Maintenance guarantees • Retention guarantees • Advance payment guarantees • Supplier surety (construction industry only) • Customs and excise (freight forwarding)

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Personal accident

Personal accident Flexible Accident and Sickness Acceptances (FASA) Postal address: P.O. Box 1112, Houghton, 2041 Phone: 0861 327 222 Fax: +27 (0)11 643 5536 Website: www.fasacc.co.za E-mail: miked@fasacc.co.za Products: FASA provides corporations with tailormade personal accident cover, such as accidental death, permanent and temporary disability and medical expenses, as well as specialised products to unions, motor fleets and schools.

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Includes: • Cover following accidental bodily injury • Death, disability or medical expenses within 24 months after accidental bodily injury • 24-hour worldwide cover • Scale of benefits for permanent total disablement • Permanent total disablement preventing the insured from employment or any other

occupation for which he or she is 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

Health and Accident Postal address: P.O. Box 324, Rivonia, 2128 Phone: +27 (0)11 234 7333 Fax: +27 (0)11 234 7351 Website: www.healthacc.co.za Adrian Hofman E-mail: ahofman@healthacc.co.za Products: Health and Accident specialises in the personal accident and health insurance market.

Includes: • Gap cover for medical aid cover • Medical travel cover • Group personal accident • Personal accident for underground miners • Emergency medical and personal accident cover for students • Income protection

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• Hospital cash plans • Hospital (medical aid) co-payment cover • Chronic illness cover

Personal accident Quicksure Postal address: P.O. Box 4060, Dalpark, 1543 Phone: +27 (0)11 748 4700/1 Fax: +27 (0)11 740 6020/ +27 (0)11 744 4900 Website: www.quicksure.co.za E-mail: info@quicksure.co.za Products: Quicksure offers an extensive personal accident package which is suitable for families. Quicksure is underwritten by New National Assurance Company. Cover extends to bodily injury by violent, accidental or external and visible means. Such injury has to be the sole and direct cause of death or disablement within 24 months of the date of such an accident.

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Includes: • Death cover • Permanent disablement • Temporary total disablement • Emergency rescue and transportation services • Mobility extension • Child education benefit • Post-traumatic stress therapy

Flexibility and innovation, matched with sound underwriting to each product, risk and benefit.

F.A.S.A a leader in Group Personal Accident Insurance offers many additional extensions at little or no additional cost.

Stand alone benefits, aggregate excesses and other variations to conventional GPA cover and pricing can be accommodated.

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

www.fasacc.co.za

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

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

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Personal accident Assistere Postal Address: P.O. Box 786015, Sandton, 2146 Dave Honeyman Phone: +27 (0)11 669 3239 E-mail: honeymand@guardrisk.co.za Cynthia Govender Phone: +27 (0)11 669 3100 E-mail: govendercy@guardrisk.co.za Wally Thom Phone: +27 (0)11 669 3089 E-mail: thomw@guardrisk.co.za Products: Assistere provides personal accident protection for employees against the costs associated with unexpected injuries and serious illnesses.

P Q R

Includes: • Injuries resulting from: o Motor vehicle accidents o Murder and assault o Recreational sports injuries o Injuries at home o Snake, dog and spider bites • Serious illnesses, such as: o Heart attack, stroke, cancer, coronary

• • • •

artery surgery, kidney failure, major organ transplant, paraplegia, multiple sclerosis, blindness, heart valve surgery, motor neuron disease, Alzheimer’s Death Permanent disability Temporary income replacement Hospitalisation

Automatic extensions include: • Additional death benefit • Repatriation • Emergency transport and rescue • Life support equipment • Temporary drivers • Trauma counselling • Child care • Family/servants medical expenses • Claims preparation costs • Mobility • Rehabilitation • Relocation • Seat belt • Crime

Compens8

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Postal Address: P.O. Box 786015, Sandton, 2146 Melanie Schaper Phone: +27 (0)11 669 3034 Dave Honeyman Phone: +27 (0)11 669 3239 E-mail: compens8@guardrisk.co.za

gaps in employee benefit structures.

Products: Compens8 provides personal accident cover for individuals, children, families and employees. Various cover options are available to meet individual cover and pricing requirements. There is also road accident cover to meet shortfalls due to the Road Accident Fund (RAF) amendments, as well as 24-hour cover for any other accident including potential

Extensions: • Exposure • Disappearance • Repatriation • Emergency transportation • Trauma counselling • Mobility

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Includes: • Death • Permanent disability • Hospitalisation

Personal accident Oraclemed Health Postal address: P.O. Box 786741, Sandton, 2146 David van der Knaap – CEO Phone: +27 (0)82 892 9555 E-mail: david@oraclemed.com Products: OracleMed Health provides flexible international health insurance products to multinational groups and leading companies for their expatriates and third party nationals. All products are underwritten

by Hollard Group Risk International. Product options include 24-hour worldwide cover for emergency evacuations and in-patient hospital cover (for emergency or elective treatment). Group schemes are tailor-made to suit. Benefits are at incurred costs with no excesses

or co-payments and include the costs of an accompanying person (flights and accommodation).

Members have access to a worldwide network of 3 200 hospitals/medical providers which allows for the direct settlement of claims, as well as access to emergency assistance and a medically staffed, international help line.

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Personal accident / Personal lines Stalker Hutchison Admiral (Pty) Limited (SHA) Postal address: P.O. Box 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Mike Forrest E-mail: forrestm@sha.co.za

exclusions. The company offers numerous extensions at no extra cost and is able to write aggregate deductible policies.

Personal accident • Customised packages for specific clients’ needs • Corporate, voluntary group schemes • Capital sum payments or weekly benefits • Dread disease Cover can be arranged on a 24-hour basis or restricted to working hours only. The wording is internationally acceptable with limited

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Personal lines Ad Ultimum Outsourcing (Pty) Ltd Postal address: P.O. Box 9857, Centurion, 0046 Phone: +27 (0)12 345 5052 Fax: +27 (0)12 345 2676 E-mail: info@auo.co.za Website: www.adultimum.co.za Ad Ultimum provides the following affordable, tailor-made products for individuals and/or groups.

Personal short-term insurance: Includes: • All personal effects, tailor-made to individual needs • All risk cover for the contents of the house (householders) • Full subsidence and landslip cover for house contents and house owners (the building) • Personal accident cover for existing clients over 70 years, until the policy lapses/ cancels • Trauma cover after armed robbery or attempt thereat

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Extensions: • Extended personal accident, covering costs incurred due to death of the insured and/ or family members • Mechanical and electrical breakdown of household goods, such as fridges, TVs, etc • Stand-alone or part of package cover for breast cancer, uterine cancer and cervical cancer • Motor hire, top-up, excess waiver under the motor section of the policy • Extended personal liability (PLIP) cover Add ons: • Roadside assistance for mechanical and electrical breakdowns or when a collision has occurred • 24-FIX provides an appliance and household repair service to home-owners Commercial insurance: Includes: • General commercial insurance for small,

Personal lines medium and large type of 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

Through Ad Ultimum Outsourcing (Pty) Ltd, Short-Term Insurance Brokers can become the irreplaceable and most important link between the policy holder and the Insurance Underwriter.

Ad Ultimum can provide a comprehensive all round service to Brokers and Underwriters to ensure they have a competitive advantage.

Our main objective is to assist companies to function more independently and to be able to have sufficient control on all levels. Independence and control imply the ability to keep accurate records, statistics, facts and figures as well as collection of premiums directly from policy holders.

We provide an Internet-based insurance solution utilising browser technology. The solution facilitates access via both the Internet and the traditional digital data networks. It enables Underwriting Managers, Brokers and other role players in the industry to issue policies, track claims progress and other relevant information online, from anywhere. The complete process which functions as an interface between the Short-Term Insurance Company and the Broker is completely automated.

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Short-term Insurance Outsource Company Personal Lines, Commercial Insurance and Group Schemes Underwriting Management and Administration Claims Management and Administration Efficient Insurance Systems 63 Sovereign Drive, Route 21 Corporate Park, Irene X30, Centurion Tel: 012 345 5052 • Fax: 012 345 2676 info@auo.co.za • www.adultimum.co.za An approved Financial Service Provider, license nr 8273.

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Personal lines 1Com Postal address: Postnet Suite 221, Private Bag X75, Bryanston, 2021 Phone: +27 (0)86 1 266 562 Website: www.1com.co.za

Products: Commercial assets, commercial motor, engineering, bonds and guarantees, marine, goods-in-transit, liability, private motor, personal lines, commuter (taxi).

CIB Phone: +27 (0)11 455 5101 Fax: +27 (0)11 455 5202 Website: www.cib.co.za E-mail: admin@cib.co.za Products: P Q R

CIB’s personal lines products include: • Household contents: o Accidental damage o Fire brigade charges o Refrigeration and deep-freeze contents o Credit and debit cards o SIM cards o Accidental death o Watchmen o Loss of rent o Keys, locks and remote control devices o Loss of or damage to employees’ property o Guests’ property o Hole in one o Full house o Goods in the open o Goods and/or tools stolen from outbuildings o Medical benefits o Property in transit o Loss of water by leakage o Veterinary expenses o Trauma treatment o Additional contents cover outside of dwellings o Office equipment o 24-hour emergency home assistance service for burst geysers, water pipes, broken windows, electrical breakdowns, locksmith, carpet specialists and painters

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• Buildings: o Insured events such as fire, lightning, explosions, storms and wind o Loss of rent o Loss of water through leakage o Water-pumping machinery o Public supply or mains electrical connection o Accidental breakage of glass and sanitary ware o Property owner’s liability o Alterations, additions and improvements o Watchmen o Damage to gardens and removal of fallen trees o Fire brigade charges o Demolition and professional fees o 24-hour emergency home assistance service for burst geysers, water pipes, broken windows, electrical breakdowns, locksmith, carpet specialists and painters • All risk cover: o Cellphones o Laptops o Contact lenses o Jewellery o Caravan contents o Bicycles o Cameras o Firearms o Items in a bank vault o Sporting, fishing and camping equipment • Personal liability • Vehicle cover (e.g. private cars, trailers and caravans):

Personal lines o Comprehensive cover: own accidental damage, theft and hijacking, and injury to other people and their property o Third party fire and theft cover: limited to loss of or damage as a direct result of fire and theft, including accidental damage to third parties o Third party: accidental third party property damage, death and injury on privately owned motor vehicles o Vehicles insured for retail value o Car hire for 30 or 60 days o Optional cover for vehicle sound equipment and accessories o Medical expenses

o Emergency accommodation o Locks and keys o Roadside assistance • Family protection plan: o Cover in the event of death by natural causes or as a result of violent, accidental, external and visible means • Vehicle credit shortfall: o Cover in the event of a vehicle being stolen or hijacked or damaged beyond repair

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Personal lines MUA Insurance Acceptances Postal address: P.O. Box 84 Century City 7446 Cape Town: Phone: +27 (0)21 525 6200 Fax: +27 (0)21 525 6300 Johannesburg Phone: +27 (0)11 560 0600 Fax: +27 (0)11 327 1710 Durban Phone: +27 (0)31 275 8600 Fax: +27 (0)31 265 1719 E-mail: info@mua.co.za Website: www.mua.co.za MUA’s Executive Home cover follows the winning strategy of service excellence that we successfully implemented in the past. Focusing on our clients individual needs, MUA provides a personal, tailored and flexible approach to underwriting, enabling the individual to choose the desired nature and level of cover, as well as the terms on which this cover is provided. This client-centric flexibility has resulted in steady growth in both the MUA portfolio and levels of expertise required to underwrite our chosen niche successfully.

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Product: MUA Insurance Acceptances specialize in the insurance of high-value homes and contents, fine art and other collectables. MUA’s personal lines product caters to the specific needs of high net worth individuals. The company’s Executive Home policy is specifically designed for people who need more than standard massmarket insurance.

Home Insurance High value home insurance covering buildings, contents, fine art & other collectables and personal all risks.

Includes: • Minimum entry level sum insured: Buildings, contents and all risks combined minimum of R 3 million or contents a minimum of R 750 000 • A premium discount for insuring buildings, contents and motor together.

• Excess waiver on buildings and contents: In

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most cases the standard policy excess is waived for claims over R 100 000.

• Individuals over 55, even if employed full-time, enjoy the reward of an automatic basic policy excess waiver for both motor and home • Full coverage of accidental damage to both buildings and their contents.

• MUA offer a voluntary home appraisal service.

Once the valuation is accepted by the insured, MUA removes the average clause.

• Contents not covered at insured address – cover is now wider and with much higher limit.

• All risk cover includes normal household goods-covered anywhere in the world • Emergency home assistances helplines available 24 hours Appraisal Service MUA’s voluntary appraisal service is offered to all clients who qualify for the MUA Executive Home policy. The service is administered by MUA and a panel of appraisers.

Valuations MUA can put you in touch with the best fine arts, jewellery and collectables valuators in South Africa. These specialists will assist you with arriving at the replacement value of the extraordinary items that you own.

MUA Emergency Assist and information helplines The 24 hour MUA Emergency home helplines offer you peace of mind in the event of an emergency, dispatching service providers and covering call-out and other fees, as detailed in your policy. Assistance add-on services give you and your loved ones complete peace of mind, wherever you might be, in an emergency.

Our policies are tailored to meet the specific needs of our clients and this short summary cannot elaborate on how every one of its benefits, terms, conditions and exclusions will apply to you.

MUA also offers executive motor cover, see page 172 for more information.

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10 facts

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about pets and pet insurance

1. Two out of three pets require veterinary attention each year.

2. Sixty-six per cent of all veterinary visits each year are due to sudden illness.

3. The average charge for a consultation is R230.

4. In most countries around the world, 1.5 - 2.5 per cent of the pet population is covered by pet insurance.

5. Dogs sweat only from the bottoms of their feet; the only way they can discharge heat is by panting.

6. Dogs have about 100 different facial expressions, most of them made with the ears.

7. There are more than 200 different breeds of dogs.

8. Cats have five toes on each front paw, but only four toes on each back paw.

9. Cats have one hundred vocal sounds, while dogs only about ten.

10. A cat’s tongue is scratchy because it’s lined with papillae – tiny elevated backwards hooks that help to hold prey in place.

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Personal lines / Pets and leisure horses Risk Guard Alliance Postal address: P.O. Box 73450, Lynnwood Ridge, Pretoria, 0040 Tel: 086 110 2025 Website: www.riskga.co.za E-mail: underwriting@riskga.co.za

Products: Risk Guard Alliance is a dynamic Underwriting Agency which prides itself in giving brokers and clients excellent service. We offer comprehensive insurance for personal lines cover that caters for the everyday person insuring his home, content, vehicles and other personal possessions.

Pets and leisure horses PetSure Postal address: P.O. Box 62229, Marshalltown, 2107 Phone: 0860 738 787 Fax: 086 661 0992 Website: www.petsure.co.za E-mail: info@petsure.co.za Products: PetSure’s medical insurance for pets is available for cats, dogs and horses. 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. Products are underwritten and backed by Hollard Insurance Company.

Includes: • Accidental injury • Illness • Multi-pet discount • Utilise at any vet countrywide There are three levels of cover for dogs and cats: • Plan 100 covers unforeseen accidents and illness. It pays 100 per cent of benefit schedule rate less the applicable excess • Plan 80 covers unforeseen accidents and illness. It pays 80 per cent of benefit schedule rate less the applicable excess • Accidental injury covers accidents only. It

pays 100 per cent of benefit schedule rate less the applicable excess Exclusions and limitations: • Pre-existing conditions • One calendar month waiting period from inception • Preventable diseases (e.g. cat flu, worms) • Breeding-related conditions (caesarean section, whether emergency or elective) • Periodontal disease • Internal and external parasites (worms, flea allergy dermatitis, etc) • Hereditary and congenital conditions (PetSure will send a letter to the attending veterinarian requesting more information on the condition)

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Optional extensions: • Routine Care: can be added to Plan 100 and Plan 80. It provides for additional procedures such as vaccinations, deworming, flea control, dental scaling or sterilisation Cover for horses include: • Provides cover for veterinary fees resulting from unexpected and unforeseen illness, accidental injury and routine cover • Consultation, examination and visit fees • Travelling fees • Gastro intestinal problems • Orthopaedic surgery and surgical procedures under general anaesthetic • Medicines, including injections • Physiotherapy and acupuncture • Pathology and radiology

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Pets and leisure horses Medipet Postal address: P.O. Box 31596 Tokai, 7966 Phone: +27 (0)21 701 2023 Fax: +27 (0)21 701 2027 Website: www.medipetsa.co.za E-mail: info@medipetsa.co.za Products: Medipet provides veterinary insurance for dogs and cats.

Includes: • Accidents, illness, emergencies and chronic medication (excl. pre-existing conditions) • Ten per cent discount on consecutive pets P Q R

and family discounts for four or more pets • Cover of up to R25 000 per policy year with no sub limits • Death resulting from an illness or accident • Advertising/reward • Boarding kennel/cattery fees • Theft (with police case number) Excludes: • Routine care, i.e. sterilisation, deworming, defleaing and vaccinations, as well as preexisting conditions and pregnancy

Equistar Postal address: P.O. Box 3765, Dainfern, 2055 Phone: +27 (0)11 660 5505 Fax: 086 687 2417 Website: www.equistar.co.za E-mail: admin@equistar.co.za Products: Equistar provides specialist insurance cover for the equine, game, wildlife, livestock and ecotourism industries.

Equine product includes: • Mortality cover: o Death due to accident, illness, disease, theft, fire, lightning, flood and injury • Loss of use cover: o Permanent loss of use as a result of accidental external injury • Accidental external injury only: o Death due to accidental external injury, theft, fire, flood and lightning • Restricted perils: o Death due to fire, lightning, explosion and flood • Emergency surgery: o Life saving surgery under general anaesthetic Provisos: • All animals are deemed to be in good health

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at the inception of the policy • All sedations or medications to be administered by a registered veterinarian • All post mortems to be conducted by a licensed veterinarian • Economic euthanasia not covered, i.e. horse requires treatment client cannot afford

Pets and leisure horses / Plastic risks PSG Konsult Nucleus Finforum Building No. 14 Cnr Zambesi Drive and Dr van der Merwe Road Montana, Pretoria, 0186 Dawie van der Linde Tel: +27 (0) 86 177 4682 Fax: + 27 (0) 86 553 8723 E-mail: dawie@psgnucleus.co.za Web: www.psgkonsult.co.za Products: Livestock product for stud animals

Extensions available: • Natural causes • Impotency of bulls/rams as result of accident and/or illness • Redwater • Heartwater fever • Gall sickness • Pulpy kidney • Blue tongue • Transit • Theft

Plastic risks

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Factory and Industrial Risk Managers Phone: Johannesburg: +27 (0)11 615 1640 Cape Town: +27 (0)21 671 1370 Durban: +27 (0)31 584 7720 Pretoria: +27 (0)82 574 9463 Website: www.facind.co.za Brian Muller E-mail: brian@facind.co.za Steve Emms E-mail: steve@facind.co.za Products: Plastics risks are part of F&I’s specialised industrial product offering. The FirmSure Policy provides wide coverage for

any business involved in the manufacture of plastic products. F&I’s risk management and underwriting team is experienced in the surveying, underwriting and risk management of plastics-related risks and provides flexible and innovative insurance solutions specific to the industry. Professional risk advice is included in the product offering.

Includes: • Flexible insurance cover solutions • Fire and business interruption • Crime, accident and liability • Free risk assessment • Optional tailor-made comprehensive risk management programme

Woodworking Risk Acceptances Postal address: P.O. Box 3464, Pietermaritzburg, 3200 Terry McGrath Phone: +27 (0)11 481 6699 Fax: +27 (0)11 643 4245 Website: www.wra.co.za E-mail: terry@wra.co.za

Products: Woodworking Risk Acceptances offers a comprehensive insurance product for the wood, plastics and metal industries.

Products are underwritten by Compass Insurance Company Limited.

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Plastic risks / Prize indemnity CIB Insurance Solutions Phone: +27 (0)11 455 5101 Fax: +27 (0)11 455 5202 Website: www.cib.co.za E-mail: admin@cib.co.za

with personal, commercial, agricultural, engineering, building and hospitality insurance solutions for their clients.

Products: CIB Insurance is an independent, short-term insurance administrator, providing brokers throughout South Africa

Prize indemnity KEU Underwriting Managers CC Contact details: Phone: 0861 000 090 Fax: 0861 000 030 Website: www.keu.co.za Denise Hattingh E-mail: denise@keu.co.za E-mail: info@keu.co.za

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Products: KEU Underwriters’ prize indemnity cover falls into two main categories, in line with the two types of competitions that are run: active participation in a sports contest and chance wins by non-participants.

Sports contests cover includes: • Hole-in-one insurance: for golf tournament organisers to cover prizes in the event of any participant succeeding in hitting a golf ball from the tee into a predetermined hole, in one stroke.

• Record covers: athletes who break existing records or exceed a standard laid down for a particular discipline are covered by incentive bonus insurance.

The most common form of this insurance covers new South African or world records during athletics contests.

• Performance bonus covers: sponsors in the event that their team wins a championship

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or cup. In the case of tennis or golf, it provides cover in the event that athletes achieve top place or ranking in their particular sport.

• Chance wins cover takes many forms depending on the advertising campaign being launched. Most often the competition will be based on an actuarially calculated formula, for instance: • Participants are required to guess the correct sequence of numbers that are required to open a safe containing the prize.

• Participants must correctly guess the correct sequence of a number plate to win a vehicle.

• Participants must select one ‘lucky’ box from a number of boxes to win the prize.

Other types of prize indemnities include: • Soccer/rugby goal contests: participants need to score three goals by kicking a ball three times through each of two holes on a board representing a football goal.

• Tag fish competitions: fish weighing in excess of a prescribed weight.

Prize indemnity / Professional indemnity insurance

Professional indemnity insurance Synergy Targeted Risk Solutions

Postal address: P.O. Box 1623, Mondeor, 2110 Phone: +27 (0)11 432 3538 Fax: +27 (0)11 432 3442 E-mail: info@starsol.co.za Products: Synergy Targeted Risk Solutions pollution products cover road transport service providers for pollution producing incidents that occur while goods are in transit. The incident need not only be attributable to a motor accident.

Includes: • Clean-up costs at the accident scene incurred by clean-up companies or

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municipality representatives (e.g. fire department).

• Legal protection relating to costs for which the insured is legally liable, such as damage to property, ongoing environmental rehabilitation costs and any associated legal costs.

• A ‘hot sheet’ of pre-approved service providers that provide clean-up services around the clock.

• Cover can be extended to incidents occurring in other countries in Africa, south of the Equator.

1Com Postal address: Postnet Suite 221, Private Bag X75, Bryanston, 2021 Phone: +27 (0)86 1 266 562 Website: www.1com.co.za Products: Commercial assets, commercial motor, engineering, bonds and guarantees, marine, goods-in-transit, liability, private motor, personal lines, commuter (taxi).

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Professional indemnity insurance General and Professional Liability Acceptances (Pty) Ltd

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Stuart Sinclair or David Campbell Phone: +27 (0)11 706 0911 E-mail: stuart@gpla.co.za or dcampbell@ gpla.co.za

• Loss adjusters • Tech PI • Miscellaneous PI • Medical malpractice

GPLA underwrites on behalf of Lloyd’s of London and provides cover to the following professionals: • Architects • Attorneys • Consulting engineers • Quantity surveyors • Project managers • Insurance brokers • Land surveyors

Extensions: Dishonesty of employees Loss of documents Criminal and statutory defence costs Public liability Fee recovery Includes: Defence costs Cover worldwide excluding North America

Leppard Underwriting Phone: +27 (0)11 459 1640 Fax: +27 (0)11 268 5887 Website: www.leppard.co.za Simon Leppard E-mail: simon@leppard.co.za Products: Leppard Underwriting’s core business includes professional indemnity and broad-form specialised liability insurance. Leppard underwrites on behalf of Lombard Insurance.

Includes: • Attorneys • Built environment professionals: o Architects

o Consulting engineers o Design and construction o Land surveyors o Quantity surveyors o Project managers o Other built environment professionals • Chartered accountants • Estate agents • Freight forwarders • Information technology • Insurance brokers (exclusive scheme or direct brokers) • Underwriting managers • Miscellaneous PI (excluding medical malpractice)

Manwood Underwriters (Pty) Ltd Phone: +27 (0)11 540 7900 Fax: +27 (0)11 540 7920 Website: www.manwood.co.za Products: Professional indemnity for consulting engineers, project managers, quantity and land surveyors, architects,

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insolvency practitioners, environmental consultants, attorneys, insurance brokers, advocates and educational institutions.

Professional indemnity insurance Network Liability Underwriting Managers (Pty) Ltd Phone: +27 (0)11 475 3585 Phone: +27 (0)11 475 0318 Website: www.networkliability.co.za Products underwritten: • Broadform liability cover • Excess of loss liability • Event Liability • Medical Malpractice — cover for allied health professionals and clinics, not doctors/ dentists/specialists.

• Motor third party liability • Product liability/product guarantee/recall • Professional indemnity • Trust fund misappropriation

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Professional indemnity insurance Phoenix Underwriting Managers Postal address: P.O. Box 1888, Gallo Manor, 2052 Phone: + 27 (0)11 656 6035/4 Website: www.phoenixum.co.za E-mail: info@phoenixum.co.za

the profession, usually as a result of negligent acts, errors or omissions. Professional indemnity insurance covers all members of a corporation such as directors and officers, employees, subcontractors and in-house consultants.

Ana Mullins – Managing director E-mail: ana@phoenixum.co.za

Includes: • Reimbursement for loss resulting from breach of professional duty, breach of implied warranty, breach of trust committed in good faith, defamation and injuria, infringement of copyright and damage, and destruction or loss of any documents entrusted to the ensured.

• Defence costs and claimant’s costs are accommodated by the terms of the contract.

Michele Botha – Director E-mail: michele@phoenixum.co.za Products: Phoenix Underwriting Managers’ professional indemnity insurance for corporates is designed to indemnify the insured in respect of legal liability arising out of the practice of

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Risk Technical Services Postal address: P.O. Box 803, Cramer View, 2060 Phone: Keith Mumford – 082 377 8364 E-mail: kmumford@rtspi.co.za Andrew Brown – 082 654 7400 E-mail: abrown@rtspi.co.za Debbie Wozny – +27 (0)11 463 1101 E-mail: dwozny@rtspi.co.za Website: www.rtspi.co.za Products: RTS is a risk-bearing underwriting management agency, writing under the RMB Structured Insurance Limited umbrella providing the following insurance products for the construction and engineering and allied industries: • Annual professional indemnity insurance • Contractor’s professional indemnity insurance • Single project professional indemnity insurance • Broad-form liabilities • As qualified engineers, one of the differentiators the company offers is extensive experience gained during many years of having been at the coal face of insurance

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• Not wishing to usurp the role of the insurance broker, Risk Technical Services believes that with its skills it can help both the broker and the insured in the identification of the risk profile • The members know exactly what’s required in the risk investigations of the workplace or site due to the in-house expertise, therefore eliminating the need for an external risk investigation

Professional indemnity insurance Stalker Hutchison Admiral (Pty) Limited Postal address: P.O. Box 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Alan Taylor E-mail: taylora@sha.co.za Products: The world in which professionals operate is one of ever-increasing pressure, with demands for quick answers and cost-effective solutions. This pressure can lead to errors and omissions by the professional, which can and does give rise to claims. This factor together with the litigious nature of our society underscores the need for professional indemnity insurance, both for clients and professionals.

Professional indemnity insurance provides indemnity (including costs and expenses) in respect of legal liability arising as a result of practicing one’s profession.

It covers the insured and their business in the event of damages being awarded due to: professional error, omission or act of negligence towards a third party to whom they owe a duty of care. Cover is provided on a claim-made basis, which implies that the cover must be in force when the work is performed and when the claim is lodged.

SHA insures a wide range of professionals from accountants, attorneys, insurance intermediaries as well as personal trainers and tour operators.

The PI policy covers: • A negligent act or error made during the course of duties • Unintentional infringement of intellectual property rights • Loss of entrusted data or documents • Liability following employee dishonesty • Unintentional breach of confidence • Unintentional libel or slander

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Product warranty / Recall

Product warranty Product Warranty Solutions Phone: +27 (0)11 883 5001 Fax: +27 (0)11 783 1855 E-mail: marc@productwarranty.co.za E-mail: luc@productwarranty.co.za Products: Product Warranty Solutions offers customers monthly maintenance and repair cover on appliances and electronics in their homes.

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Includes: • Monthly maintenance and an extended warranty policy on appliances and electronics • Products that are customised based on the objectives of the client, ensuring maximum conversion and sales • Collection, repair and delivery of broken products • Discount for replacement items if products can’t be repaired

Product Guarantee/Recall

Product Guarantee/Recall Network Liability Underwriting Managers (Pty) Ltd Phone: +27 (0)11 475 3585 Phone: +27 (0)11 475 0318 Website: www.networkliability.co.za Products underwritten: • Broadform liability cover • Excess of loss liability • Event liability

• Medical malpractice – cover for allied health professionals and clinics, not doctors/ dentists/specialists.

• Motor third party liability • Product liability /product guarantee/recall • Professional indemnity • Trust fund misappropriation

Stalker Hutchison Admiral (Pty) Limited (SHA) Postal address: P.O. Box 55347 Northlands, 2116 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Dianne Kirk E-mail: kirkd@sha.co.za

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10 facts about Sectional titles

1. The Sectional Title Act 95 of 1986 made it possible to have ownership rights in a unit in a complex, although one did not necessarily exclusively own the land on which it was situated.

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2. Since November 2008, an amendment to the Sectional Title Act stipulates that the owner of any sectional title scheme is responsible for all excess payments on insurance claims.

3. The above stands unless the body corporate has taken a special resolution that they will cover these in certain special cases.

4. There are three different types of sectional title properties: mini sub-type house; semi-detached house; and townhouse, apartment or flat.

5. The requirement of a beetle certificate is generally included in offers to purchase in the Cape and KwaZuluNatal where infestation can occur.

6. Roughly 70 per cent of claims are geyser related.

7. The South African Government is working towards its target of installing one-million solar geysers by 2013.

8. The cost of solar geyser systems range from R16 500 to around R30 000 for a 200-litre geyser.

9. With one-million solar geysers, we will have replaced 4 577 GWh of electricity a year (1 000 000 KWh = 1 GWh).

10. The average standard geyser costs about R6 000 to replace, but with water damage it could rise up to R10 000 or more.

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Sectional title

SECTIONAL TITLE Auxis Underwriting Managers (Pty) Ltd Richard P George Telephone: +27 (0)11 783 8927 Fax: +27 (0)11 783 7212 Mobile: +27 (0)83 510 1125 E-mail: richard.george@lionsure.com Inclusions: • Theft following forcible and violent entry or exit from the building up to the full value of the building.

• Theft of landlord’s exterior fixtures and fittings removed by forcible and violent means – R5 000.

• Accidental damage to public supply connections – 100 per cent of actual repair costs.

• Loss of rent up to 30 per cent of the basic sum insured – until tenanted.

• Accidental damage – R10 000 maximum.

• Accidental damage to glass not insured elsewhere – R10 000.

• Machinery breakdown – R10 000 maximum.

• Subsidence and landslip – R100 000.

• Leakage from sprinkler installations and other fire extinguishing installations and appliances – up to the full value.

• Damage to landscaped gardens – R5 000.

• Loss of keys – R2 500.

• Removal of trees – actual cost.

• Maintenance and cleaning equipment – R5 000.

• Swimming pool and borehole pump motors in domestic use – R5 000.

• Watchman’s fees following an insured event – R7 000.

• Geyser – repair or replacement – R10 000 per geyser.

• Property owners’ liability – R30 000 000.

• Claims preparation costs – R20 000.

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ABACUS

Phone: 0861 33 33 88 Website: www.abacus-ins.co.za E-mail: willievds@abacus-ins.co.za

including public liability and trustees indemnity offered by all leading specialist insurers.

Products: This is a product uniquely designed for domestic and commercial sectional title complexes. The product complies with the requirements of the Sectional Titles Act and does not include cover for contents within the units. It is packaged to include all sections and extensions

CIB JonJon Smit Phone: +27 (0)11 455 5101 E-mail: jonjons@cib.co.za Website: www.cib.co.za

Products: Our product is a tailor-made package for body corporate/sectional title-type of businesses with certain key benefits.

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Sectional title Corporate Sure Phone: +27 (0)31 571 2500 or +27 (0)31 571 2508 Fax: +27 (0)31 571 2527 Website: www.corporatesure.co.za E-mail: c-sure@corporate-sure.co.za Products: The Corporate Sure Policy is managed by C-Sure Underwriting Managers and underwritten by Santam. The policy has been designed to meet the requirements of the Sectional Titles Act and to assist both broker and managing agent in providing first-class protection for their client’s property.

Target market: Residential blocks of flats, townhouses, cluster home developments, office blocks, office parks and retirement villages, golf estates and lifestyle living. Any combination of the above can be covered including commercial risk provided the commercial content does not exceed 30 per cent of the full value.

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Other sections of cover: • Commercial glass • Electronic equipment • Motor Extensions: • Limited cover for subsidence and landslip is included at no additional premium • Public liability cover for R50 million • Water sure cover includes cover for accidental loss of water due to leakage at a maximum indemnity of R20 000.

An additional premium is payable • Legal access includes cover in pursuing or defending a claim at a maximum indemnity of R100 000.

An additional premium is payable • The buildings combined section of the

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policy provides theft cover provided there is forcible and violent entry into or exit from the property • All risks cover for geysers is offered at a maximum limit R7 000 • Maintenance cover for specific geyser components (thermostat, elements, vacuum breakers and valves only) is included Excludes: • Frail care liability • Loss or damage caused by or attributed to defective design, workmanship, construction, material or lack of maintenance of the insured property • Storm and water damage cover in respect of retaining walls is not included unless specifically requested • All items of non-standard construction (e.g. thatch, wooden/glass structures) unless specifically requested

Sectional title STILUS Michael Garvin Phone: +27 (0)21 914 9002 E-mail: michael@stilus.co.za Fax: +27 (0)21 914 3184 Website: www.stilus.co.za E-mail: stilusadmin@stilus.co.za or stilusinfo@stilus.co.za

Bodies corporate derive the enormous benefit of securing their cash flows when insuring with Stilus. This allows them to pay creditors promptly and most importantly maintain their properties to the highest standards. Stilus’ monthly premium is inexpensive – equivalent to a mere R11 per member.

Products: Stilus Underwriting Managers was registered as a UMA in July 2010 and its unique insurance product designed for the sectional title industry is underwritten by Santam. Body corporates experience severe cash flow problems when members default on their levy payments. Stilus levy guarantee insurance policy undertakes to pay defaulting members’ levies to the body corporate within 10 days of receipt of claim. Thereafter, Stilus assumes the responsibility to collect the arrear levies at no cost to the bodies corporate.

Includes: Cover for special levies is included

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ACCOMMOD8 Phone: +27 (0)11 669 3283/3387 E-mail: accommod8@guardrisk.co.za Products: Accommod8 provides comprehensive property owner and landlord insurance solutions, including sectional title products, which cover many rental-related risks.

Policy benefits include: • Automatic extensions • Geyser maintenance and all risks cover • Trustees’ indemnity • Public liability • Accidental damage • Office contents • Accidental damage to marble and granite tops • Loss of rent • Nat-Assist emergency home assistance services • Subsidence and landslip • Loss of water

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Legal protection and assistance: • Employment and CCMA issues • Civil litigation • Dispute resolution • Legal advice for trustees • 24-hour access to legal professionals Optional cover includes: • Business all risks

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• Personal accident for domestics • Cost of re-letting • Tenant relocation expense • Damage to garden • Land and water clean-up expenses • Alteration and additions • Litigation costs • Early termination of lease agreement • Theft by tenants • Special circumstances loss of rent • Protection and preservation of property • Emergency evacuation expense • Decontamination

Accommod8 is a total property insurance solution, which provides for many rental related risks.

We offer four customisable policies to cover all aspects of property ownership: • Sectional title developments (commercial and residential) • Commercial properties • Homeowners • Homeowners’ associations Policy highlights Sectional Title Policy • Nat-Assist emergency assistant services •

•

(until tenanted as opposed to until tenantable) home

Loss of rent – 30% of sum insured (until tenanted as opposed to until tenantable) Includes geyser replacement and maintenance plan including SABS approved solar geysers – replacement value

•

Subsidence and landslip (limited) – property value

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Loss of water – R5 000

•

•

Subsidence and landslip (limited) – property value

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Glass (accidental cover) – R15 000

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Full theft – R10 000

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Landlords office contents – R50 000

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Exclusive Accommod8 extensions – aggregate value R50 000 p/a

Homeowners Policy • Full subsidence and landslip countrywide – property value •

Liability – R10.5 million

Exclusive Accommod8 extensions – aggregate value R50 000 p/a

•

Escalation and mortgagee clause -– standard policy wording

Commercial Policy • Nat-Assist emergency home assistant services • Loss of rent – 25% of sum insured

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Loss of rent 20%

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Loss of water R5 000

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Accidental glass – property limit

To find out more about Accommod8, please call 011 669 3283/3387; email us at accommod8@guardrisk.co.za or visit the Guardrisk website at www.guardrisk.com.

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Sectional title CIA – Commercial & Industrial Acceptances (Pty) Ltd Website: www.cia.co.za 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: +27 (0)21 914 9496 E-mail: ct@cia.co.za Bloemfontein Phone: +27 (0)51 447 0146 E-mail: bfn@cia.co.za

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Port Elizabeth Phone: +27 (0)41 360 1843 E-mail: pe@cia.co.za Pretoria Phone: +27 (0)12 480 1721 E-mail: pta@cia.co.za

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CIA underwrites on behalf of Compass Insurance Company. CIA’s sectional title products comply with the requirements of the Sectional Title’s Act, providing trustees complete peace of mind. These products include many additional and unique complementary benefits for residential as well as industrial or commercial body corporates.

Products include: • Inflation and escalation • Public supply connections • Loss of rent or alternative accommodation • Accidental damage • Office contents (residential product) • Liability • Trustees indemnity • Employer liability • All risks (residential product) • Money • Fidelity • Machinery breakdown (residential product) • Geyser maintenance • Commercial glass • Claims preparation costs

Sectional title / Security Liability

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Security Liability Abelard Underwriting Agency Postal address: P.O. Box 2155, Pinegowrie, 2123 Phone: +27 (0)11 326 2951 Fax: 086 635 1124 Website: www.aua.co.za E-mail: catherine@aua.co.za Product: Cover is provided for pollution, professional indemnity, including custody and control, firearms, dishonesty of guards (fidelity risks) and money-in-transit. The product is available in RSA, Namibia, Lesotho, Botswana and Swaziland.

Inclusions: • Primary layer of R10 000 per claim and per period as applicable

• Fidelity risk extension: R500 000 per claim and per period • Money-in-transit extension: maximum R250 000 per carry • Excess layer/umbrella: R40 000 000 in excess of R10 000 000 • Additional indemnity limits can be sourced in the Lloyd’s open market Exclusions: • Cover is provided only to security contractors registered in terms of the Private Security Industry Regulatory Authority Act • The money-in-transit extension is not designated for specialist assets-in-transit

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Security Liability / Schools Quantum Liability Underwriters Phone: 086 110 3000 Fax: 086 531 3005 Website: www.qlu.co.za E-mail: info@qlu.co.za Products: A range of covers for the security industry for the liabilities they may incur.

Inclusions: • General • Pollution

• Products • Security liability • Professional indemnity • Custody and control • Firearms • Fidelity risks Extensions: • Cash-in-transit • Commercial legal insurance and advice

Schools ABACUS (M&F) Phone: 0861 33 33 88 Website: www.abacus-ins.co.za E-mail: willievds@abacus-ins.co.za

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Products: This product is uniquely designed to cover all school buildings, contents including electronic equipment, vehicles, public liability and professional indemnity cover necessary.

The package is unique in that it includes various extensions specific to only educational institutions.

Hospitality, Industrial & Commercial Underwriting Managers Pty Ltd (HIC Underwriting Managers) Phone: +27 11 455 5271 Fax: +27 11 455 4779 Website: www.hicsa.co.za E-mail: info@hicsa.co.za HIC provides broad spectrum protection against risks facing schools: buildings, contents, theft, computer equipment, management liability, teacher liability, personal accident and emergency response packages.

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Security Liability / Schools / Single Project PI

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Single Project PI

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Single Project PI Risk Technical Services Postal address: P.O. Box 803, Cramer View, 2060 Phone: (011) 463 1101 Website: www.rtspi.co.za Keith Mumford – 082 377 8364 E-mail: kmumford@rtspi.co.za Andrew Brown – 082 654 7400 E-mail: abrown@rtspi.co.za Debbie Wozny – +27 (0)11 463 1101 E-mail: dwozny@rtspi.co.za Products: RTS is a risk-bearing underwriting management agency, writing under the RMB Structured Insurance Limited umbrella providing products for the construction and engineering and allied industries.

• Annual professional indemnity insurance.

• Contractor’s professional indemnity insurance.

• Single project professional indemnity insurance (including consequential loss cover and 10 year policies), broad-form liabilities.

Extensions include: • Defamation

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• Liability following employee dishonesty • Joint venture agreements • Sub-contractors liability • Loss of documents • Fee recovery • Statutory and criminal defence costs • Wrongful arrest • Innocent non-disclosure • Employers’ liability As qualified engineers, one of the differentiators the company offers is extensive experience gained during many years of having been at the coal face of insurance.

Not wishing to usurp the role of the insurance broker, Risk Technical Services believes that with its skills it can help both the broker and the insured in the identification of the risk profile.

The staff members know exactly what’s required in the risk investigations of the workplace or site due to the in-house expertise, therefore eliminating the need for an external risk investigation.

Specialised domestic insurance

Specialised domestic insurance Aquarius Underwriting Managers (Pty) Ltd Postal address: P.O. Box 3002, Bromhof, 2154 Drew Schnehage Deputy managing director Phone: 086 727 7854 Fax: 086 688 8361 Cell: 082 570 0359 Website: www.aum.co.za Products: U-NIQUE Personal for high net worth: A specifically designed, tailor-made U-NIQUE product for affluent clients. The U-NIQUE product, which is nearly seven years old, was born out of the recognition that independent brokers seldom had a VIP channel for their high net worth clients and could not guarantee special service from conventional insurers. We have over 200 specially selected insurance brokers who support the product in most parts of the country, testimony to the products 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 of up to R250 000 for jewellery, photographic equipment and personal effects with the selection to increase the values.

U-NIQUE Personal for middle-market: The product is aimed at the upper middle class, ordinary folk in greater Johannesburg typically paying between R1 000 and R3 000 per month on insurance. Aquarius has retained the services of Qantam, the pioneer in pre-loss assessments, to see every risk it underwrites and inspect every vehicle. Qantam also completes a detailed inventory and valuation, agreeing the values with the client. Values and ownership when established up front result in trouble free claims. The inventory, which Qantam keeps updated, doubles as a policy schedule, removing the need for separate household and all risks sections and the administrative burden and misinterpretation that results. Qantam completes an inventory with your client, listing everything in the home. The valuation summary will give your client a breakdown of the premium allocated to each category; he/she can then decide which categories or items to cover.

The product also offers a Grosure option, when a client selects a voluntary excess, we will place the premium saving in a savings account with the option to draw the funds at any given time. The product is very flexible and the client can structure the options on agreed value, replacement value or cash option.

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Specialised domestic insurance Echelon Private Client Solution (Santam) Johannesburg Phone: +27 (0)11 023 2214/5/6 Cape Town Phone: +27 (0)21 657 1100 Fax: +27 (0)11 463 5796 Website: www.echelonpci.co.za E-mail: jackie@echelonpci.co.za Inclusions: • No excess payable for vehicles within first 12 months of registration • Subsidence/landslip cover – no additional premium or excess if in acceptable area • Automatic goods-in-transit cover for contents • Automatic cover up to R40 000 for specific contents where premises is rented out • Business contents automatically covered up to R250 000

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• Watercraft cover available • No item limit under unspecified all risks section • Cellphones covered under unspecified all risks • No excess applicable to specified all risks • Three-year new-for-old vehicle replacement option • Automatic accidental damage cover up to full household contents sum insured • Automatic 4x4 cover for applicable vehicles • Executive car hire option available • Excess waiver available for motor, household contents and building sections • Identity theft cover available • Domestic personal accident cover available for domestic employees • Barloworld Partnership – preferential rates for Echelon clients Exlusions: General exclusions

Zenith Product Design PTY LTD Phone: +27 (0)21 872 4872 LB Kirsten – Managing director Fax: +27 (0)21 8727168 E-mail: info@zenithinsure.co.za Website: www.zenithinsure.co.za Zenith – The product This product, custom made for an affluent market, offers very high cover limits, asset all risk cover, commercial cover for home offices and home industries, competitive premium, an elective excess structure, a risk inventory and pictorial, full AA membership and much more.

Indigo This lifestyle product can be constructed around the needs of the individual, offers home office cover, unspecified all risk cover up to R50 000, competitive rates, AA membership, weekender cover for motor vehicles and access to other exclusive lifestyle offerings.

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The Business Policy Commercial cover for small businesses, professional practices and entrepreneurs is complimented by our exclusive asset based policy for larger corporates.

Specialised insurance for buildings

Specialised insurance for buildings CIB Phone: +27 (0)11 455 5101 Fax: +27 (0)11 455 5202 Website: www.cib.co.za E-mail: admin@cib.co.za Products: The CIB Insurance buildings product is a policy specifically designed for buildings such as retails centres, bodies corporate, office buildings, residential flats and shopping malls.

• Accidental damage: o Articles of a brittle nature • Trustees’ liability • Employers’ liability • Machinery breakdown • Claims preparation costs • Property owners’ liability • Excess (geysers included)

Includes: • Office contents • Money • Fidelity guarantee • Buildings: o Rent • Glass • Business all risks: o Garden tools and furniture

www.globecreative.co.za

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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.

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Specialised insurance for buildings / Specialised outdoor insurance Accommod8 Underwriting Solutions 2nd Floor Alexander Forbes House Cnr Catherine & Rivonia Streets Sandton Johannesburg 2196 Enoch Barends Tel: +27 (0) 11 669 3458 Fax: + 27 (0) 11 669 2376 Email: accommod8@guardrisk.co.za Web: www.guardrisk.co.za under Products and Services Products: Comprehensive property owner and Landlord insurance solutions • Sectional title (commercial and residential) • Commercial buildings combined • Homeowners

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• Homeowners associations All the above include Accommod8 exclusive extensions: • Cost of reletting • Tenant relocation expense • Litigation costs • Early termination of lease agreement • Special circumstance loss of rental income • Protection and preservation of property • Emergency evacuation • Land and water clean-up costs • Building awaiting sale • Theft by tenants • Decontamination, pest and vermin • Loss of interest receivable or payable • Alteration and additions

Specialised outdoor insurance KEU Underwriting Managers CC Contact details: Phone: 0861 000 090 Fax: 0861 000 030 Website: www.keu.co.za Denise Hattingh E-mail: denise@keu.co.za E-mail: info@keu.co.za Products: KEU provides weather insurance, be that for an advert or an event. All weather insurance must be bound 14 days prior to first day on risk. Premium is paid upon acceptance.

Insured must declare expenses.

Inclusions: The company insures golf days, sporting events and any other exterior events that might be affected by weather; be that rain, wind, lightning or the combination thereof.

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Specific note: • The only events not covered are personal events such as weddings and the like.

Specialised outdoor insurance Tradesure Underwriting Specialists (Pty) Ltd Phone: +27 (86) 111 2838 Fax: +27 (0)86 500 4291 Website: www.tradesure.co.za E-mail: ian@tradesure.co.za Products: Tradesure Underwriting Specialists offers commercial insurance solutions to the broker market and is underwritten by Western National Insurance Company Limited with reinsurance arranged via Africa Re. Tradesure is mandated by Western National to perform the full underwriting function and claims settlement,

giving the flexibility to provide an exemplary service to brokers and mutual clients.

Includes: • Full Multimark cover • Combined fire limit of R74 100 000 per premises Extensions: • Roadside assistance • Own damage excess reducer

Hospitality & Leisure Underwriters (H&L) Santam Head office (Jhb) Phone: +27 (0)11 615 2973/6 or +27 (0)11 022 1164/5 Fax: 086 689 4950 E-mail: info@handl.co.za Web: www.handl.co.za Pretoria Phone: +27 (0)82 459 5729 Fax: +27 (0)86 671 9588 E-mail: janl@handl.co.za Web: www.handl.co.za

• External signs, blinds and canopies • Chilled and refrigerated stock

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Optional covers: • Buildings and contents – for B&Bs • Deterioration of stock – all risks basis • Office contents – full theft cover • Small craft • Motor – extended passenger liability • Leisure sporting facilities – greens and tees cover • Personal lines • Cancellation of events

Cape Town Phone: +27 (0)21 554 0910 Fax: +27 (0)86 553 9993 E-mail: bill@handl.co.za Web: www.handl.co.za Products: Specialist short-term insurance provider to the hospitality sector.

Extensions: • Alcohol and beverage extension • Damage to landscaped gardens • Cost of re-instating landscaped gardens and water features – all perils • Contamination and pollution of fish stocks • Fatal injury

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Specialised small commercial business / specie insurance

Specialised small commercial business BnB SURE (Pty) Ltd Phone: 0861 BnBSURE (0861 262 7873) Website: www.bnbsure.co.za Products: BnB SURE is used by more B&Bs and guesthouses than any other insurance policy in South Africa. The policy has been designed in conjunction with establishment owners and the industry to ensure that it meets the specific needs of the B&B and Guesthouse owners. The policy covers both the business and personal requirements of our clients with extensions such as personal effects of guests up to a limit of R25 000 and trauma counselling costs of R2 000 per person following a violent event for guests. Fidelity cover is automatically included for R10 000.

The loss of revenue section covers losses due to fire, storm or flood; telecommunications breakdown; suicide, murder or rape or any attempt threat; shark or wild animal attack; oil spillage; cancellation of event and staff stay-aways.

Motor cover is also provided with passenger liability limits that follow the liability section. By being insured with BnB Sure, policyholders enjoy additional benefits such as a free listing on www. bnbfinder.co.za, commissions on car hire booked through their listing on www.bnbfinder.co.za, and automatic membership of the BnB Sure Club, which offers discounts for a variety of goods and services as well as regular lucky draw competitions where club members can win fantastic prizes.

S Hospitality, Industrial & Commercial Underwriting Managers Pty Ltd (HIC Underwriting Managers) Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 Website: www.hicsa.co.za E-mail: info@hicsa.co.za

Designed for international and national hotels, country hotels, boutique hotels, motels, game farms, game lodges, guesthouses, lodges our policy can be structured to offer you unique benefits.

Specie Insurance Polygon Underwriting Contact details: Phone: +27 (0)86 110 3000 Fax: +27 (0)86 531 3005 Website: www.polygongroup.co.za E-mail: info@polygongroup.co.za Products: These cover high value items such as cash, gold, diamonds, valuable documents, fine art and jewellery while in transit or at rest. Clients are supported with intelligent and pragmatic risk management advice, enhanced by Polygon’s expertise in the complementary disciplines of high value commodities, cash in transit and coverage for static risks.

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Inclusions • Assets in transit (cash, bullion, precious metals, precious stones, negotiable instruments) • Static vault cover • Fine art and collectables • ATMs – static and transit exposures • Deposit taking devices – static and transit exposures Extensions: • Fidelity risk cover • Cover for safes • Device cover Note: All of the above can be arranged but are not included in standard cover

Specialised small commercial business / Specie Insurance

Surety

Surety Performance and Customs Bond Services (Pty) Ltd Postal Address: Postnet Suite 353, Private Bag X30500, Houghton, 2041 Phone: +27 (0)11 482 2592 E-mail: info@pcbs.co.za Website: www.pcbs.co.za Products: Recognising that credit insurance policies are currently available in the market for buyers only and not for suppliers, Performance and Custom Bonds (PCBS) offers supplier guarantees within the construction industry; for

example, in the case of provision of steel and building material to contractors and other players in the industry.

• Bid bonds (letter of intent) • Performance guarantees • Maintenance guarantees • Retention guarantees • Advance payment guarantees • Supplier surety (construction industry only) • Customs and excise (freight forwarding)

SGI Guarantee Acceptances (Constantia) Phone: +27 (0)11 789 3352 Fax: +27 (0)11 781 1875 Website: www.sgiga.co.za E-mail: lucienm@sgiga.co.za

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payment bonds, retention money bonds, development and reticulation bonds, maintenance bonds.

Products: SGI Guarantee Acceptances (Pty) Ltd is an underwriting manager for Constantia Insurance Co Ltd, specialising in insurance guarantees. The types of guarantees are as follows:

Solvency guarantees: • Customs and excise – general bonds, customs rebate bonds, warehouse bonds.

• Electricity supply guarantees, payment guarantees, educational guarantees in favour of the DOE.

Construction related: • Bid bonds, performance bonds, advance

Court bonds: issued to the Master of the High Court, for liquidations and insolvencies.

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Surety

Santam Bonds and Guarantees Tel: +27 (0)11 912 8000 Website: www.santam.co.za Products: Santam Bonds and Guarantees offers clients world-class guarantee facilities, following a risk assessment to meet qualifying criteria.

Considerations such as the applicant’s financial position and strength, his ability to perform in

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terms of an agreement or contract, and overall reputation in the relevant industry are taken into account during the underwriting process.

Exclusions: No standard exclusions. Exclusions could be imposed depending on what was being guaranteed.

Shackleton Phone: +27 (0)11 784 5373 Fax: +27 (0)86 6 113 226 Website: www.shackletonrisk.co.za E-mail: info@srisk.co.za Michael John Damant E-mail: michael@srisk.co.za

Products: Shackleton Risk Management specialises in niche market commercial insurance products to attorneys and liquidators. Product types include liquidation bonds, professional indemnity, fidelity guarantee and trust fund misappropriation.

C&G Underwriting Managers Cape Town Phone: +27 (0)21 685 1879 Johannesburg Phone: +27 (0)11 680 0700 Fax: +27 (0)21 685 5270 Website: www.natsure.co.za

Products: On behalf of Guardrisk Insurance Company, C&G Underwriting Managers underwrites performance guarantees/surety bonds. The products written are specific to the needs of the construction industry and include performance guarantees, retention guarantees, advance payment guarantees, bid/tender bonds.

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Takafol insurance / Tax insurance

Takafol Insurance Takafol South Africa Phone: +27 (0)86 0 825 2365/ +27 (0)86 0 TAKAFOL Website: www.takafol.co.za E-mail: info@takafol.co.za

caters to the specific needs of the community.

The company’s @ Home policy is specifically designed to ensure that material and spiritual needs are covered.

Takafol South Africa specialises in providing insurance solutions for the Islamic community.

The products conform to strict Islamic law and have been approved locally and internationally as the Islamic alternative to insurance.

Commercial The general commercial offering includes cover for fire, buildings combined, office contents, business interruption, accounts receivable, theft, money, glass, fidelity, goods-in-transit, business all risks, accidental damage, public liability, motor and electronic equipment.

Products: Personal lines Takafol offers a personal lines product, which

Tax insurance T-Z

Hollard Insurance and QDOS Underwriting Managers Phone: +27 (0)21 658 6729 or 0860 736 772 Fax: 086 677 5622 E-mail: clive@qdosconsulting.co.za Products: The insurance covers the fees of accountants and those of associated tax specialists in the defence of an enquiry from SARS and removes the uncertainty of unexpected costs. Such enquiries include income tax enquiries, VAT disputes, employee tax disputes, capital gains tax disputes.

Cover also includes dispute resolution hearings, appeals to the tax board and/or the tax court, giving the policy holder adequate resources to fully defend unfair tax demands.

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Limits: R250 000 for business clients R50 000 for private individuals Inclusions: Retro-active cover Exclusions: • Disputes which commenced prior to policy inception • Enquiries resulting from late submission of tax returns (without the granting of an extension) • Where no prime records are kept • Matters where fraudulent evasion of tax is involved

Tax insurance Tax Radar Underwriters Phone: +27 (0)11 718 1238 Paul Jones – Managing director: +27 (0)82 880 4856 Corrine de Villiers Mobile: +27 (0)79 883 7416 Website: www.tax-radar.com E-mail: info@tax-radar.com Products: The company is South Africa’s most comprehensive and professional tax insurance product offering business owners total peace of mind in a highly regulated environment.

Business owners can now, for the first time in South Africa, for a nominal premium, call on top tax professionals when the need arises. The policy can be adapted to suit companies no matter what the size and Tax Radar Underwriters has assisted local and international companies with an annual turnover of hundreds of millions of Rand as well as companies with an annual turnover of R1 million.

Inclusions: • Completion of our tax matrix • Assistance with tax compliance • A help line during office hours • Assistance when audited by SARS • Top tax practitioners defending your case if prosecuted • Regular updates on new tax legislation • Subscription to TaxTalk (the official publication of SAIT – South African Institute of Tax Practitioners) • Peace of mind for business owners Exclusions: There are no exclusions apart from businesses or individuals who are not up to date with their tax returns or who have outstanding tax matters. The company does assist these clients to become compliant whereafter they can become clients.

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Taxi insurance

Taxi insurance Clarendon Transport Underwriting Managers (Pty) Ltd (Hollard) Physical address: Village Green Shopping Centre, 127 Greenway, Greenside, Johannesburg Phone: +27 (0)11 274 1300 Fax: +27 (0)11 486 2200 Website: www.ctu.co.za Louis Fivaz -– Managing director E-mail: louisf@ctu.co.za Zane Hassim – Marketing manager E-mail: zaneh@ctu.co.za CTU celebrates 20 years of taxi insurance excellence and has paid out more than R1 billion in benefits.

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Clarendon 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 is experienced in matters relating to the operations of the taxi industry. CTU understands the absolute imperative of expedient claims settlement and as part of our enhanced service delivery, we conduct continuous training to maximize operation efficiency.

CTU provides the peace of mind in that you are covered by a company that has 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

Vulindlela Underwriting Managers (Santam) Physical address: 62 Old Main Road, Kloof Phone: +27 (0)31 818 0390 Underwriting Fax: +27 (0)86 693 0039 Thandiwe Tel: +27 (0)11 656 3703 E-mail: thandiwe@vum.co.za Dolly Tel: +27 (0)31 818 0396 E-mail: dolly@vum.co.za

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Julile Tel: +27 (0)31 818 0397 E-mail: julile@vum.co.za Claims Leslie Fax: +27 (0)86 565 9008 Tel: +27 (0)31 818 0394 E-mail: leslie@vum.co.za

Thami Fax: +27 (0)86 693 0034 Tel: +27 (0)31 818 0395 E-mail: thami@vum.co.za

Taxi insurance Ntombi Fax: +27 (0)86 693 0034 Tel: +27 (0)31 818 0393 E-mail: ntombi@vum.co.za Accounts Cherryl Fax: +27 (0)86 549 2645 Tel: +27 (0)31 818 0391 E-mail: cherryl@vum.co.za Management Dave Fax: 086 693 0192 Tel: 031 818 0398 E-mail: dave@vum.co.za

to be used to replace the taxis tyres, shocks or brakes at a national fitment centre at discounted prices, or in the form of cash if the client chooses. This benefit is included in the premium at no extra charge.

Inclusions: • Mini bus – from 8 to 18 seats • Midi bus – from 19 to 35 seats • Sedan taxis – sedan-type taxi up to seven seats • Metered taxis – sedan-type taxi fitted with meter • Shuttle services – a vehicle used to and from airports • The third party cover limit is R2 000 000

Products: The insured will receive 10 per cent of total comprehensive premiums paid (less commission and policy fees) back after 24 months of continuous cover if there have been no claims whatsoever during this period.

This will be in the form of a value voucher

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Taxi insurance / Thatch risk 1Com Postal address: Postnet Suite 221, Private Bag X75, Bryanston 2021 Phone: +27 (0)86 1 266 562 Website: www.1com.co.za Products: Commercial motor (HCV, LDV, taxis).

Includes: • Motor comprehensive cover, i.e. accidental damage, theft, hijacking and liability to third parties (excludes mechanical damage) • Personal accident cover for the driver (R12.50 per month) • Covering the driver of the insured vehicle, being the owner or an employee of the owner, against accidental death or permanent disability to a maximum of R25 000 arising out of and in the course of the employment as a driver • Passenger liability cover

Offering the following limits: • R250 000 per event limited to R25 000 per passenger • R500 000 per event limited to R25 000 per passenger • R1 million per event limited to R50 000 per passenger • R5 million per annum, R2.5 million per event, limited to R50 000 per passenger • R5 million per event • R10 million per event • R20 million per event Excludes (cover for): • Bakkies and 4x4s • Converted vehicles • Any vehicle not Recap approved (specifically for taxis) • Limousines

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Thatch Risk Risk Guard Alliance Postal address: P.O. Box 73450, Lynnwood Ridge, Pretoria, 0040 Tel: +27 (0)86 110 2025 Website: www.riskga.co.za E-mail: commercial@riskga.co.za

Products: Risk Guard Alliance is a dynamic underwriting agency which prides itself in giving brokers and clients excellent service. We offer insurance for small to large sized businesses ranging anything from your one man owned/ manned office to large factories and warehouses as well as retail ventures.

Thatch Risk Acceptances (Compass) Phone: +27 (0)86 110 5799 Website: www.tra.co.za Johannesburg Natasja Blok E-mail: blokn@tra.co.za Cape Town Morné Smit E-mail: smitm@tra.co.za

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Products: Thatch Risk Acceptances was established with the specific aim to service the diverse and demanding needs of the thatch property market. Cover is offered for the structure, house contents, all risks, motor vehicles and pleasure craft. Thatch Risk Acceptances also insures log cabins and timber frame homes.

House owners and householders cover is on an all risks basis, and accidental damage is

Thatch Risk included for the full sum insured. TRA offers the client one policy for the entire portfolio including personal all risks, personal liabilities, motor, PLIP and small craft.

Extensions: • Personal liability of the insured • Theft of garden furniture potted plants and watchmen’s services • Business office contents • Fridge and deepfreeze contents • Rent receivable • Golf hole-in-one • Shelter for domestic pets following fire at main residence • Limited cover for: o Guests’ and domestics’ effects o Keys and locks, electronic locks, remotes, alarm or security controllers, reprogramming of coded alarm/lock/ security device on disappearance o Illegal use of credit or debit cards o Garden and water features

o Veterinary expenses following a road accident o Mechanical and/or electrical damage to swimming pool, borehole, Jacuzzi, machinery, electric doors and gates o Death of horses/koi fish following an insured peril • Optional breakdown cover for white goods • Optional umbrella liability for R20 million (PLIP) Thatched Residential Associations: • Body corporates • Sectional title arrangements • Shareblock associations • Whole and homeowners associations Includes: • Claims preparation costs • Loss of rent • Burst geysers including the damage thereof • Accidental breakage of fixed glass and sanitary ware • Machinery breakdown for lift motors,

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Thatch risk air-conditioning and standby diesel generators • Public liability • Money • Trustees’ indemnity • Electrical and/or mechanical damage to machinery of swimming pools, boreholes, Jacuzzis, electrical doors and gates • Breakage of television masts • Fidelity guarantee is offered as an optional extension

Factory and Industrial Insurance and Risk Managers Physical address: 3 River Rd, Bedfordview, 2008 Johannesburg Phone: +27 (0)11 615 1640 Cape Town Phone: +27 (0)21 671 1370

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Durban Phone: +27 (0)31 584 7720 Pretoria Phone: +27 (0)82 574 9463 Website: www.facind.co.za Brian Muller E-mail: brian@facind.co.za Steve Emms E-mail: steve@facind.co.za Products: Factory and Industrial provides an innovative insurance policy named Amkela, meaning ‘welcome’ in Xhosa, which has been specifically designed to fit South Africa’s hospitality Afro-centric needs with emphasis on thatch buildings. When putting a thatch roof over a visitor’s head, you need worstcase-scenario protection. Irrespective of size, everyone selling hospitality needs insurance for things like emergency evacuation; trauma counselling to guests and staff; theft of the personal effects of guests; and, equally important, financial compensation if large losses occur.

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Amkela is an Afro-centric creation and unique risks like game farms, lodges and hotels are part of our way of life in this country. This means that these types of risks have to be accommodated efficiently and economically in any South African insurance policy by making sure that up-to-date and adequate protections and preparedness reduce risk to acceptable levels. That’s why Amkela’s focus is on taking charge of the risk rather than having the rate take charge. The company’s philosophy is all about showing policyholders how to be proactive and efficient in managing risk to achieve cost-effective premiums. The footprint enables them to service clientele anywhere in South Africa.

Includes: • Multi-peril cover for all assets on thatch buildings • Specific cover for fire and allied perils for wildlife on the property • Trauma counselling to guests and staff following an incident • Compensation for accidental death or injury to staff • Insurance of personal possessions of guests • Compensation for storm damage to landscaped gardens • Emergency evacuation costs • Deterioration of stock • Prevention of access • Game-viewing vehicles • Game fence cover

Thatch risk / Tourism Insurance Hospitality, Industrial & Commercial Underwriting Managers Pty Ltd (HIC) Physical address: 11B Riley Road, Eastwood Office Park, Bedfordview Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 Website: www.hicsa.co.za E-mail: info@hicsa.co.za HIC specialises in commercial thatch. We survey every risk prior to inception and make risk management a top priority.

Tourism Insurance Ascent Underwriting Managers (Pty) Ltd Physical address: F3 Pinewood Square, Pinewood Office Park, Riley Road, Woodmead, 2128 Phone: 0861 286 264 Fax: 0866 334 311 Website: www.ascentsure.co.za

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Products: With over 12 years’ experience underwriting the tourism, hospitality and entertainment sectors, Ascent’s product range includes the Welcome Plus (hospitality) the Tourinsure (tourism) and Wine and Dine (entertainment) policies bundled with real value-added products. Products cater for the comprehensive needs of travel agents, tour operators, tour brokers, transfers and shuttles.

Together with strategic industry partnerships with SA Tourism Services Association (SATSA) and the Federated Hospitality Associations of SA (Fedhasa), we have the industry engagement and underwriting experience to ensure that our broker partners and clients have access to some of the broadest covers available for their ever changing needs.

Ascent Underwriting Managers’ committed team of dedicated people service our products and support select broker partners conducting business with honesty and integrity. Our business values remain at the core of our success.

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Tourism Insurance Hospitality, Industrial & Commercial Underwriting Managers Pty Ltd (HIC) Physical address: 11B Riley Road, Eastwood Office Park, Bedfordview Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 Website: www.hicsa.co.za E-mail: info@hicsa.co.za

HIC is well known in the tourism industry and we enhance our products regularly to keep up with our client’s needs.

Risk Guard Alliance Postal address: P.O. Box 73450, Lynnwood Ridge, Pretoria, 0040 Tel: 086 110 2025 Website: www.riskga.co.za Email: commercial@riskga.co.za

Products: Risk Guard Alliance is a dynamic underwriting agency which prides itself in giving brokers and clients excellent service. We offer comprehensive insurance for all tourism/ hospitality type establishments such as inns, hotels, guesthouses, game lodges, restaurants and golf courses.

Tourism Risk Underwriting Managers (TRUM) T-Z

Postal address: P.O. Box 427, Umhlanga Rocks, 4320 Phone: +27 (0)31 562-0426 Fax: +27 (0)31 562-1887 Website: www.trum.co.za.

E-mail: info@trum.co.za Products: From inception, TRUM has specialised in providing insurance solutions to the tourism and hospitality industry.

TRUM’s experiences and knowledge has been developed exclusively around this industry and the products have evolved in line with industry requirements.

Includes: Fire and allied perils – asset protection cover for bush lodges, safari tented camps, hotels, country inns, guesthouses, restaurants, sports clubs, country clubs, estates and catering companies. All construction types are covered, from traditional brick and tile to thatch.

Motor – tourism transport vehicle cover for tour, coach and shuttle service operators.

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This cover includes passenger liability and personal accident for fare-paying passengers.

Public liability – cover for the legal liability arising from the death of or bodily injury to a guest, or damage to their property and subsequent claims for financial compensation.

This product extends to sub-Saharan limits and worldwide jurisdiction (excluding Canada and the US) – EC Directive compliant.

Professional indemnity – provides cover against the potentially catastrophic litigation arising from charges of professional negligence, errors and omissions or failure to perform professional duties.

Wildlife – cover for the various risks associated with wildlife and game ranching activities, such as breeding, game capture and translocation.

Evacuation – medical evacuation cover for guests in the event of a life-threatening medical emergency following bodily injury or illness.

Tourism Insurance

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FSP No. 28782

Tourism insurance / Trade credit TTU Adminstrators CC Postal address: P.O. Box 6112, Welgemoed, 7538 Phone: +27 (0)21 951 3510 Fax: 086 641 4060 Website: www.ttu.co.za E-mail: info@ttu.co.za Products: TTU provides tailor-made tourismrelated cover, such as public liability and professional indemnity, passenger liability, motor vehicle cover, all commercial-related covers, accommodation cover, travel insurance cover and specialised products as required.

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Includes: • Broad-form liability and professional indemnity cover to the tourism industry at large, inclusive of adventure-related companies • Fare-paying passenger vehicle cover as well as related liabilities • Travel insurance cover • Accommodation cover including lodges, B&Bs and guesthouses

Trade credit Coface Postal address: P.O. Box 1657, Sunninghill, 2157 Tel: +27 (0)11 208 2517 Fax: +27 (0)11 208 2617 E-mail: natasha_hardy@cofaceza.com Webpage: www.cofaceza.com Products: Coface’s mission is to facilitate global business-to-business trade by offering companies four product lines to help them manage, finance and protect their receivables (i.e. all credit granted for a period of 30 days, 60 days or sometimes more to other companies in the course of their commercial relations). This is done through the provision of credit information and corporate ratings; receivables management; credit insurance; receivables financing.

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• Specialised covers required to cover clients in need for unusual risks • Added benefits to suit the needs of tourism operators Extensions: • Worldwide cover for public liability • Sub-Saharan cover for vehicles • Loss of use cover for tour operators • Personal accident cover for staff • Various assistance covers • Innovative cover for assets while away from permanent address • Adventure activities covered under travel insurance Optional extensions: • Loss of clients’ baggage • Cancellation of tours cover • Daily rate for hired in vehicles including liabilities • Evacuation only • Unusual risks

Trade credit Lombard Head office – Johannesburg Postal address: P.O. Box 2740, Parklands, 2121 Tel: +27 (0)11 551 0600 Fax: +27 (0)11 551 0603 Website: www.lombardins.com

Cape Town (satellite branch) Postal address: PostNet Suite 202, Private Bag X1005, Claremont, 7735 Tel: +27 (0)86 0 110 313 Fax: +27 (0)86 0 110 308

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Trade credit Products: Most companies and risk managers have in the past kept their sole focus on insurance against small and medium-sized businesses, whilst well-established blue chip companies were considered to be low risk.

But the large number of listed companies that have gone into liquidation over the years has since demonstrated a huge gap in the field of credit insurance.

For this reason, the pendulum has now swung to more tailor-made solutions aimed at managing credit risk in structured corporate governance programmes.

But Lombard’s tradition of offering specialised services in many areas of industry and philosophy of catering for the needs of every individual entity, has kept us seamlessly ahead as that vital link between clients and their

suppliers. We strive to form partnerships with our policyholders that facilitate the delivery of high quality, non-restrictive, domestic and export credit insurance policies Includes: • Domestic credit insurance • Export credit insurance • Minimum insurable turnover of R50 million p.a • Minimum annual premium – R150 000 • The company looks at all sectors and attempts to design products around the needs of the client as opposed to generic off-the-shelf products • Greater access to decision makers at underwriting level • It underwrites the policyholder’s ability to assess risk and allow them the freedom to do so

T-Z Credit Guarantee Insurance Corporation of Africa Limited Physical address: Head Office Gauteng, Credit Guarantee House, 31 Dover St, Randburg Phone: +27 (0)11 889 7365 Fax: +27 (0)11 886 1027 Website: www.creditguarantee.co.za E-mail: info@cgic.co.za Anne Drynan – Senior Manager Sales and Service Cape Town Phone: +27 (0)21 421 7830 Port Elizabeth Phone: +27 (0)41 363 4024 Durban Phone: +27 (0)31 265 0300 Products: Credit Guarantee is the leading provider of trade credit insurance solutions on the African continent. If you supply on unsecured (open) credit terms, there is an undeniable risk of not getting paid.

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Standard Domestic Cover: Provides protection against non-payment of debts (e.g. due to insolvency or protracted default) incurred by debtors based in South Africa and/ or the common monetary area.

Benefits • Protection against non-payment • Expert assessment of credit risks • Development of new markets in different industries • Increased market penetration • Continual improvement in the quality of customers and therefore a lower incidence of bad debt • Access to our expert advice on collection techniques • Lower legal costs through improved buying power of collection services • Enhanced financing mechanisms by

Trade credit providing added security to finance providers Standard export cover: Provides cover to exporters against loss of proceeds from an export transaction, where the loss is due to payment defaults or specified political perils.

Benefits • Protection against non-payment • Expert assessment of credit and country risks.

• Ability to develop new markets in different countries • Increased market penetration • Continual improvement in the quality of customers and therefore a lower incidence of bad debt • Enhanced financing mechanisms by providing added security to finance providers

turnover or an established credit management team. Minimal administration on your part.

Enhances security to your bank.

Business Builder – export: Protects you against failure to receive payment of an insured debt from an insured buyer in an insured country.

This type of policy caters for companies that do not have an extremely large export turnover.

Top Tier Cover: A unique debtor’s insurance product that will de-stress financial directors.

Business Builder – domestic: Covers credit sales from date of delivery. Appropriate for companies that do not have an extremely large

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Travel insurance

10 facts about TOURISM

1. Tourism arrivals in South Africa have grown eightfold since 1990.

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2. Whereas Australia creates one job for every eight foreign arrivals, South Africa creates a job for every 12 arrivals. According to the World Travel and Tourism Council, the global standard is that every eight foreign arrivals should create one direct job in the host country.

3. A total of 309 554 foreign tourists arrived in South Africa for the primary purpose of attending the 2010 FIFA World Cup. 4. Africa markets accounted for 32 per cent of total foreign tourists to South Africa during the World Cup, followed by Europe with 24 per cent and Central and South America with 13 per cent.

5. The total expenditure in South Africa by tourists who came specifically for the 2010 FIFA World Cup was R3.64 billion.

6. Europeans spent the most in South Africa during this period.

7. Most tourists spent their money on shopping, followed by accommodation and food and drink.

8. The average length of stay by these tourists was 10.3 nights.

9. Tourists from Australia and North America region stayed in South Africa for the longest duration.

10. Consumer research has revealed that foreign tourists are exposed to fewer and less authentic cultural experiences than they expect or desire.

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Travel insurance

Travel insurance Oraclemed Health Postal address: P O Box 786741, Sandton, 2146 David van der Knaap – CEO Phone: +27 (0)82 892 9555 E-mail: david@oraclemed.com OracleMed Health provides flexible international health insurance products to multinational groups and leading companies for their expatriates and third party nationals. All products are underwritten by Hollard Group Risk International. Product options include 24-hour worldwide cover for emergency evacuations,

and in-patient hospital cover (for emergency or elective treatment). Group schemes are tailormade to suit. Benefits are at incurred costs with no excesses or co-payments and include the costs of an accompanying person (flights and accommodation).

Members have access to a worldwide network of 3 200 hospitals/medical providers which allows for the direct settlement of claims, as well as access to emergency assistance and a medically staffed, international help line.

Travel Insurance Consultants Postal address: P.O. Box 3337, Cramerview, 2060 Phone: +27 (0)11 521 4000 Website: www.tic.co.za Travel Insurance Consultants (TIC) is a specialist travel insurance underwriting company which is based in Randburg, Gauteng with representation in all major centres nation wide. It has expanded into Africa and distributes products in Swaziland, Lesotho, Namibia, Botswana, Zimbabwe, Malawi, Uganda, Sudan and Kenya.

Private products • Leisure comprehensive (up to age 69): is the company’s premium product. It provides maximum covers specifically for travel to countries where there are high exchange rates.

Benefits include: o Cancellation and curtailment o Accidental death and disablement o Travel delay o Missed connection o Luggage o Personal liability o Medical and related expenses (including hospitalisation expenses incurred for a

pre-existing condition) o Children up to the age of 21 can be included in their parents’ cover o Discounted family rates

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• Leisure standard (up to age 69): designed specifically for travellers on a tighter budget, or for travel to countries where the Rand has a reasonable exchange rate.

Benefits include: o Medical expenses (excludes cover for hospitalisation expenses incurred for preexisting conditions) o Cancellation and curtailment o Accidental death and disablement o Travel delay o Missed connection o Luggage o Personal liability o Children up to the age of 21 can be included in their parents’ cover o Discounted family rates • Senior (age 70–79): provides essential benefits for up to three months for senior travellers Benefits include: o Medical expenses (excludes pre-existing cover)

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Travel insurance o Cancellation and curtailment o Accidental death and disablement o Travel delay o Missed connection o Luggage o Personal liability o Discounted family rates • Senior Plus Cover (aged 81–85) is available once the required medical questionnaire has been received and approved by TIC • Group (up to age 59; minimum of ten people): competitively priced essential cover for larger tour groups

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Benefits include: o No limits on the length of the journey o Medical expenses should any member of the group require emergency medical treatment as a result of an accident, injury or illness o Cancellation and curtailment o Accidental death and disablement o Travel delay o Missed connection o Luggage o Personal liability o 24-hour emergency assistance services (emergency travel arrangements and sending urgent messages) o Hospitalisation expenses incurred for preexisting conditions • Youth (up to age 28): provides young travellers with essential cover for up to two years; designed specifically for students enrolled at overseas institutions for tertiary studies and travellers on working holidays.

Benefits include: o Emergency medical treatment as a result of an accident, injury or illness (includes hospital treatment and prescription medication), as well as safe transport home, accompanied by a medical escort

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if need be o Luggage cover o Cover is available for one- or two-month periods and longer periods of up to two years TIC has extensively researched the youth travel market and found that when youth travellers return to South Africa after their journey or for a short trip home during their overseas stay, they have no cover or medical aid in South Africa. To alleviate this exposure to risk, TIC includes cover for maximum 30 days in its policies. In the event of hospitalisation, it will pay a predetermined amount per day to the policy holder, which can be used to cover medical and hospital expenses.

This unique benefit applies only to journeys that exceed six months.

Business product • Maximum benefits (up to age 69): comprehensive cover tailored specifically for business travellers.

Benefits include: o Replacement personnel/resumption of assignment benefit which provides cover for either a replacement staff member to complete a business assignment should the insured suffer a medical emergency, or the cost of a resumed business trip o High accidental death cover limits o Maximum personal liability o Rates calculated on a per person/per day basis o Pre-existing cover for pre-existing medical conditions Emigration product • Designed specifically for people who are emigrating and who require travel insurance during this period. The maximum period of cover is 32 days • Cover includes medical expenses incurred, including hospital treatment and prescription medication • Excludes evacuation and repatriation cover

Travel insurance Incoming product • Designed for people who are travelling in to South Africa, Lesotho, Swaziland, Botswana, Mozambique, Zimbabwe and Namibia from another country • The maximum period of this cover is 12 months • Covers medical expenses incurred, including emergency medical treatment as a result of accidental bodily injury, illness or disease, and hospital treatment and prescription medication Complimentary credit card product • Free travel insurance when purchasing tickets with a credit card. The extent of cover provided depends on the credit card used • Certain credit cards provide limited cover for medical related expenses and accidents • A top-up policy provides cover for additional risks, such as: o Flight cancellation and curtailment o Luggage loss and travel delay Other benefits include: • Multiple entries: an annual policy for frequent travellers, which provides full benefits. There are no conditions on the

number of trips permissible during the period of cover; full benefits are reinstated for every trip.

• Home caretaker: provides protection for household emergencies (e.g. burst geyser) while travelling. In the event of an emergency, TIC will send locksmiths, glaziers, electricians, plumbers and other emergency service providers to fix the problem.

• The Blood Care Foundation: ensures access (where possible) to safe blood should a transfusion be required while travellers are hospitalised in a foreign country.

• Emergency assistance: includes: o Payment of medical bills abroad o Emergency evacuation and repatriation o In-hospital monitoring o Emergency information and assistance o Return of mortal remains o Legal assistance

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• Children share cover: accompanying, dependant children are also automatically covered and share in the limit of liability of their parents.

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Travel insurance Oojah Travel (Hollard) Postal address: P.O. Box 41641, Moreleta Park, 0044 Phone: +27 (0)12 482 6706 Website: www.oojahtravel.co.za E-mail: travelinsurance@oojahtravel.co.za Products: Oojah Travel Protection focuses solely on travel insurance. The company has over 50 years’ combined travel and travel insurance experience. Oojah makes use of a global network of local experts who provide advice regarding the particular risks facing travellers in different countries, which enables the company to tailor benefits to suit local conditions.

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Cover options include: • 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 Benefits include: • Medical, repatriation and transportation expenses, including the burial, cremation or return of mortal remains • Emergency dental treatment • Additional accommodation and travel expenses • Extension for pre-existing medical conditions • Extension for winter sports • Personal assistant services, such as consular referral, emergency

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travel and accommodation arrangements, legal assistance while abroad, replacement of travel documents, and transfer of emergency funds • Daily hospital benefit • Cancellation, curtailment and trip interruption • Travel delay • Missed connection • Personal baggage • Baggage delay • Loss of cash and/or passport • Personal liability • Personal accident • Death • Hijack of public conveyance

Travel insurance / Watercraft and leisure Travel G8way (Guardrisk) Physical address: Rivonia Road, Alexander Forbes Place, Sandton, 2146 Phone: +27 (0)11 669 3132 Website: www.guardrisk.co.za E-mail: info@cre8sa.co.za Products: Travel G8way is an annual business travel facility, underwritten by Guardrisk in conjunction with Chartis South Africa. Three levels of cover are available: Platinum, Gold and Silver. No pre-existing exclusions are applicable for an insured person under the age of 65 years, provided they are not travelling against the advice of a medical practitioner. Terrorism-related risks are covered and embassy letters are issued to ensure there are no hassles or delays when

applying for a visa. Spouses and dependent children travelling on an identical itinerary to the insured will be included in the cover.

Includes: • Injury and illness, medical evacuation, repatriation and expenses incurred as a result of transport to a medical centre, as well as follow up treatment in South Africa.

• Personal accident: death and disability.

• Cancellation and curtailment.

• Theft of or damage to baggage, trade samples, personal effects, travel documents, money and credit cards, as well as baggage and travel delay.

• Adverse weather conditions.

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Vanguard Marine and Leisure (Pty) Ltd Postal address: Postnet Suite 388, Post bag X1, Northcliff, 2115 Bradley Kuhn E-mail: bradley@vanguardinsurance.co.za Phone: +27 (0)861 001 135 Fax: +27 (0)11 431 0394 Website: www.vanguardinsurance.co.za Products: Vanguard Marine and Leisure specialises in providing insurance solutions to the boating fraternity via the insurance broker market.

The product offering begins with the insurance for watercraft and also includes cover for the full rig, being the tow vehicle, trailer/caravan, specified all risks items and liability covers.

The company’s aim is to provide private and pleasure customers with the peace of mind that consistent cover is maintained for the rig whether at home, in transit to far away destinations, weekend transits to local launches or whilst on the water. One policy not only ensures consistent cover, but also a consistent philosophy to claims.

Includes: • Watercraft • Full comprehensive cover • New replacement settlement basis for vessels under four-years old • Liability – includes waterskiing – selectable limits up to R20 million • Repatriation • Medical expenses • Yacht racing risks Motor (limited use) • GVM up to 5000 kg • New replacement value on vehicles less than one-year old • Medical expenses • Protection and repair • Emergency hotel expenses • Trauma • Locks and keys • Liability limits – up to R20 million

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Wildlife (game) insurance

10 facts

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about wildlife in south africa

1. The game industry in South Africa has a turnover of close to R5 billion.

2. There are 299 mammal species in South Africa, two of which are critically endangered, 11 are endangered, 15 are vulnerable, and 13 are near-threatened.

(Conservation status as assessed by the IUCN).

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3. At one time, the African lion lived throughout much of Europe, Asia and Africa. They are now extinct in Europe, and only about 190 individuals remain in north western India where their conservation status is seriously threatened.

4. Rhino poaching in South Africa has increased dramatically over the last 18 months, fuelled by demand for horn from the Asian market.

5. South Africa has more than more than 80 per cent of the world’s population of black and white rhinos.

6. Twenty rhinos are being killed a month in South Africa.

7. In the last five years, about 600 rhinos have been poached across the African continent.

8. There are approximately only 4 000 black rhino left in Africa, and 20 000 white.

9. Another African name for the Cape buffalo is Black Death, because of its colour and aggressive behaviour.

10. In 2010, a buffalo bull was sold for a record price of R9.2 million.

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Wildlife (game) insurance

Wildlife (game) insurance Equistar Postal address: P.O. Box 3765, Dainfern, 2055 Phone: +27 (0)11 660 5505 Fax: +27 (0)86 687 2417 Website: www.equistar.co.za E-mail: admin@equistar.co.za Products: Equistar provides specialist insurance cover for the wildlife, game, equine, livestock and ecotourism industries.

Wildlife product includes: • Mortality cover: o Death due to accident, illness, injury, disease and theft or poaching, flood, fire and lightning • Accidental external injury only: o Death due to accidental external injury, theft, poaching, fire, flood and lightning • Restricted perils: o Death due to fire, lightning, explosion and flood • Fire and lightning only: o Death due to fire and lightning • Transit: o Death as a result of injury, accident, collision, overturning, theft, hijacking, fire, lightning and illness directly as a result to the transit • Green hunt o The non-consumptive hunting of a free ranging animal using chemical immobilisation agent via a ballistic syringe, the administering of antidote and release. This cover is valid for 48 hours after chemical immobilisation • Horn and tusk cover: o When tusks or frontal horns have been reduced in length by a minimum of 75 per cent • Capture cover: o Cover commences from the point of containment or chemical immobilisation and ceases within 24 hours from the point

of containment or chemical immobilisation or at the point immediately prior to the animal being loaded in the transit crate or vehicle, or penned, whichever occurs first Provisos: • Relevant permits etc. as required by government authorities or other bodies will form part of the policy requirements • All animals are deemed to be in good health at the inception of the policy • All sedations or medications to be administered by a registered veterinarian • All green hunts and translocations to be overseen by a registered veterinarian • All relevant government codes of conduct to be adhered to at all times • All post mortems to be conducted by a licensed veterinarian

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Wildlife (game) insurance Gamewize Physical address: 111 McInnes Road, Glenferness, Gauteng Phone: +27 (0)11 467 1679 Fax: +27 (0)11 465 0000 E-mail: info@gamewize.co.za Website: www.gamewize.co.za Product: GameWize is a division of Equipagé Insurance Brokers, which has been leaders in the field of equine insurance for the past 13 years.

Due to the great expense of owning wildlife, GameWize has formulated a vast range of cover options, tailored specifically to meet every possible need of the game owner in the many different aspects of game handling.

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Includes: • Capture cover – commences from the point of containment or immobilisation and ceases when the animal is loaded in the transit

vehicle or placed in the boma.

• Translocation cover – commences at the point of loading the animal(s) and ceases at the point of step-off.

• Post-release stress cover – cover for death due post-release stress for up to a month after the release of the animal(s).

• Boma cover – death cover for animals held in a boma before or after translocation.

• Veld cover – death cover for a limited period of time after the animals have been released into the veld.

• All risks of mortality cover – long-term death cover due to illness, disease, poaching, fire, lightning, flood or earthquake.

• Horn/rusk replacement cover – cover for damage to the horn/tusks of a trophy animal.

• Green hunt cover – cover for green-hunted animals (the non-consumptive hunting of a free ranging animal using chemical immobilisation).

Risk Guard Alliance Postal address: P.O. Box 73450, Lynnwood Ridge, Pretoria, 0040 Tel: 086 110 2025 Website: www.riskga.co.za E-mail: commercial@riskga.co.za

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Risk Guard Alliance is a dynamic underwriting agency which prides itself in giving brokers and clients excellent service. We offer fire and lightning cover for wildlife/game kept on game lodges.

Woodworking risks

Woodworking risks Factory and Industry Risk Managers (Pty) Ltd Physical address: 3 River Rd, Bedfordview, 2008 Telephone: +27 (0)11 615 1640 Fax: +27 (0)11 616 3027 Website: www.facind.co.za Product: Comprehensive risk assessment and advice included. Full risk management programs optional.

Includes: • Flexible insurance cover solutions • Fire and business interruption • Crime, accident and liability • Free risk assessment • Optional tailor-made comprehensive risk management programmes Exclusions: • Per clients’ needs

Type of cover: Multi peril Woodworking Risk Acceptances Postal address: P.O. Box 3464, Pietermaritzburg, 3200 Terry McGrath Phone: +27 (0)11 481 6699 Fax: +27 (0)11 643 4245 Website: www.wra.co.za E-mail: terry@wra.co.za

Products: Woodworking Risk Acceptances offers a comprehensive insurance product for the wood, plastics and metal industries.

Products are underwritten by Compass Insurance Company Limited. WRA focuses on providing a product for these historically hazardous industries.

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INDEX A Academic institutions - 21 Aviation - 21, 22 Flight cover – aircraft owner requirements - 100 Accidental HIV infection - 23 Agricultural and farming - 24-26 Art, antiques and collectibles - 27 Abandonment and cancellation - 56 B Bankers blanket bonds - 31 Bicycle insurance - 31, 32 Bed and breakfast and guesthouse insurance - 32-36 Bloodstock - 36, 37 Body corporate and sectional title - 38-40 Boutiques - 40 Building insurance - 41, 42 Broad-form liability cover - 43, 44 Buildings, specialised cover - 46 C Art, antiques and collectibles - 27 Cash in transit - 52, 53 Cellular phone insurance - 55 Cancellation and abandonment pluvious - 56 Consumer protection insurance - 57 Contractors professional indemnity - 58 Court bonds - 58, 59 Credit insurance - 59, 60 Credit shortfall - 62, 63 Contract guarantees - 64 Construction and retention guarantees - 65, 66 Commercial and industrial risks - 68-71 Commercial insurance - 72 Caravans and motor homes - 166 D Directors’ and officers’ liability - 76, 77 Specialised domestic insurance - 219-222 E Employment practices liability - 80 Engineering risks and engineering insurance - 81-85 Environmental impairment liability - 86, 87 Event liability - 88, 89 Excess of loss liability - 89, 90 Extreme activities cover - 91

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Entertainment - 97, 99 Expense protection, legal advice - 136-138 F Farming - 24-26 Factory and industrial - 94 Fidelity guarantee - 94, 96 Film producers’ indemnity/Film and entertainment - 97, 99 Flight cover – aircraft owner requirements - 100 Fuel guarantee cover and filling station cover 100, 101 G Goods-in-transit/inland transit - 102-109 Guesthouse insurance - 32-36 H HIV infection, accidental - 23 Heavy commercial vehicle cover - 112-121 - Fleet insurance - Truck insurance Hauliers’ combination insurance - 122 Homeowners’ association - 122 Homeowners’ insurance - 123 Hospitality and leisure industry - 124-128 Hull insurance - 128, 129 Horses, pets and leisure - 195 I Industrial and commercial risks - 68, 69 Industrial and factory - 94 Inland goods in transit - 102, 109 J Jewellers’ block - 130 K Kidnap and ransom - 135 L Leisure and hospitality industry - 124-128 Landlord rental default protection - 136 Legal advice and expense protection - 136-138 Leisure and watercraft - 251 Liquidators bond - 140

Loss of pilot license cover - 141 Legal protection - 142, 143 M Marine (hull) insurance - 124-129 Management liability - 147 Medical aid trustees insurance - 148 Medical expenses - 148 Medical insurance - 149 Medical malpractice insurance - 149, 150 Malpractice cover for allied health professionals and clinics (excluding doctors/dentists/specialists) - 151 Mining (performance guarantees, mining rehabilitation guarantees and liquidation bonds) - 151 Marine and special risks - 152-155 Marine liabilities (including charterers) - 155, 156 Marine risks - 156-160 Motor fleet - 163-166 Misappropriation of trust funds - 161 Motor homes and caravans - 166 Motorcycles and quad bikes - 167-169 Motor, specialised high value vehicles - 120-124 Motor insurance for 4x4 owners - 174 Motor vehicle rental insurance - 175 Motor small area repair - 175 Motor third party liabilities - 176 Motor warranties/mechanical breakdown - 177 Motor vehicle personal accident cover - 178, 179 O Officers’ liability insurance - 76, 77 Outdoor insurance - 224 P Personal accident cover - 184- 88 - Medical expenses - Motor vehicle personal accident cover - Personal accident Pension trustees’ liability - 182 Performance guarantees - 182, 183 Personal lines - 188 - 195 Pets and leisure horses - 195-197 Plastic risks - 197 Prize indemnity - 198

Professional indemnity insurance - 199 - 203 Professional contractors - 57 Product warranty - 204 Product Guarantee/Recall - 205 Pilot license cover, loss of - 141 Q Quad bikes, motorcycles - 167-169 R Retention guarantees, construction - 65, 66 Rental default protection (landlord) - 136 Rental insurance, motor vehicle - 175 S Sectional title - 209-213 Security liability - 215, 216 Schools - 216 Single project PI - 218 Specialised domestic insurance - 219, 222 Specialised insurance for buildings - 223, 225 Specialised high value executive motor vehicles - 170-174 Specialised insurance for 4x4 owners - 174 Specialised insurance for buildings - 223 Specialised outdoor insurance - 224, 225 Specialised small commercial business - 226 Specie insurance - 226 Surety - 228, 229 T Takafol Insurance - 232 Tax insurance - 232, 233 Taxi insurance - 234-236 Thatch Risk - 236-239 Tourism Insurance - 239-242 Trade credit - 242-245 Travel insurance - 247-251 Truck (heavy commercial vehicle) - 112-121 Trust fund misappropriation - 161 W Watercraft and leisure - 251 Wildlife (game) insurance - 253, 254 Woodworking risks - 255

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NOTES

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20

CELEBRATING

TWENTY YEARS OF

Leaders in Taxi Insurance Paid out over R1 billion in benefits

| Bus Insurance | Taxi insurance | Personal Accident Insurance for Taxi Owners, Drivers & Passengers |

Tel: 011 274 1300 Fax: 011 486 2200 1st Floor, Village Green Centre 127 Greenway, Greenside, 2193 Box 84215, Greenside, 2034 www.ctu.co.za FSP No. 5010

Underwritten by the Hollard Insurance Company

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UMA Directory 2011