Specialty Clients
The insurance industry loves templates. But you are not one. You and your risk are unique.
Cyber, Construction. Marine. Liability. The more specialised the risk exposure, the more expensive the assumption that a standard wording will do. Specialised cover requires a specialist risk advisor.
Marine Cargo|Construction|Liability|Travel|Cyber
Visual Risk Analysis
It is easier to see your risk than to read long insurance policies.
To help you we have created a specialty risk visualiser tool for you to see the exposures that do not form part of standard South African business insurance policies.
Cargo
Goods being imported or exported can be insured against physical loss or damage while in transit by road, rail, air or sea.
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Business owners often travel regularly to overseas destinations. Chadwicks recommends that frequent business travellers take an annual travel policy, essentially covering flight/trip cancellation, liability, lost baggage, emergency medical expenses etc.
Read moreMain Coverable Events
If your business owns, operates or depends upon some type of equipment or machinery to generate revenue, you need machinery breakdown insurance, should they fail due to a sudden and unforeseen event, which is insured. Equally as important, you need reduction in Gross Profit cover following Machinery Breakdown, should one of your key pieces of machinery fail suddenly (due to an insured event). A key piece of machinery which is not insured for breakdown and reduction in Gross Profit following Machinery Breakdown, could have catastrophic financial consequences for your business.
Read moreMain Coverable Events
Any business concern that exports or imports property should effect Marine Cargo insurance. A loss to the property could happen at any time — en route to port, whilst at sea, whilst being off loaded etc. The risk attachment point for marine cargo insurance can be complex, since it is governed by the agreed terms of sale, which usually are Incoterms shipping terms. It is crucial that businesses appoint a qualified risk professional to assist with the construction of a marine cargo policy that is tailor made to your risk and needs.
Read moreMain Coverable Events
A common mistake made by some business owners is to only concentrate on the insurance of their own assets (sometimes called first party insurance). While securing comprehensive insurance cover on your assets is key, transferring the insurable risk exposure you have as a business to third parties is critically important to ensure business continuation. Some examples of specialised liability cover include Directors & Officers Liability, Professional Indemnity Liability (aka Errors & Omissions), Product Recall/Inefficacy/Guarantee, Cyber Liability, Environmental Impairment Liability and Employment Practices Liability, to name but a few.
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Construction Insurance needs an expert broker to assist with securing suitable insurance to cover your needs. The insurance solution can only be ascertained once all the parties to the building contract are correctly identified, and the appropriate insurance solution determined, based on the contractual responsibility (insurable interest) you have under the agreed building contract, including liability to third parties.
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Companies who have a large number of vehicles at risk, or who buy and sell motor vehicles, need bespoke insurance cover for their risk. Chadwicks is proficient in designing tailor made cover for Specified Motor, Motor Fleets, Motor Funds and Motor Traders.
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Chadwicks offers the most comprehensive employee theft insurance in South Africa. This insurance cover is more commonly known as Fidelity Guarantee. The risk exposure to the business is loss of money or property belonging to you or for which you are responsible, stolen by an insured employee, or direct financial loss as a result of fraud committed or dishonesty of an insured. In simpler terms, this policy will indemnify you against direct loss of money or goods caused by an act of theft by an employee. The potential loss can be financially debilitating, so Chadwicks strongly recommends businesses insure this risk.
Read moreMain Coverable Events
Cyber risk is a mainstream business exposure now, not a technology problem. A ransomware attack, a data breach or a business email compromise can stop a business trading, expose it to claims from the clients whose information it held and trigger obligations under POPIA. Cyber insurance responds to the first party cost of getting the business running again, covering forensic investigation, data restoration, extortion demands and lost income, as well as the liability owed to others. Chadwicks recommends that any business holding client data or depending on its systems to trade transfers this risk.
Read moreMain Coverable Events
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