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February 9, 2026
Fire spreading on a dry vacant property

Understanding Fire-Extinguishing Costs: What Your Commercial and Agricultural Policy Really Covers

Every fire season reminds us how quickly things can change for landowners across the Garden Route. The Southern Cape Fire Protection Association recently urged members to […]
February 9, 2026
Picture of a line of neighbouring houses, one on fire and some firefighters putting the fire out

Understanding Fire Extinguishing Costs and How Insurers May Approach Them (Personal Policies)

Wildfires, accidental fires, and runaway flames can create significant financial pressure – not only due to damage to your property but also because of the costs […]
February 4, 2026

Disclaimers and Indemnities Are Not a Safety Net

Disclaimers Are Not a Safety Net Why a recent court ruling matters to lodges, safari operators and adventure businesses Many tourism and safari operators take comfort […]
January 8, 2026

When Fire Takes What Can Be Touched

What insurance replaces – and what it cannot Fire is not subtle. It does not negotiate. It does not scale itself to what you can afford […]
January 2, 2026

When Should You Report a Liability Claim to Your Insurer?

One of the most common questions in the insurance industry is: When should an insured report a liability claim to their insurer? Is it when they […]
November 19, 2025

The Hidden Insurance Risk When You Sell Your Car Through a Dealer

If you’re planning to sell your car, letting your broker or insurer know might not be the first thing on your to-do list – but it’s […]
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