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Cyber Risks

Camargue Underwriting Managers (Pty) Ltd

Cyber Liability

Camargue’s Cyber Risks policy covers organisations against the risks arising out of operating a computer network. Many organisations believe that their firewalls and antivirus programs provide them with sufficient protection against cyber risks, such as viruses and hacking. The shocking reality is very different and most businesses will, at some point, be exposed to the devastating effects of a cyber-attack: network downtime, loss of important data and loss of credibility when customer information is compromised (not to mention the litigation that would follow if the hacker were to use that information to plunder the customer’s bank account). The complexity of the online environment makes it impossible to most businesses to address these risks, or even appreciate how serious the threat is. Depending on what options have been selected, the policy can include: Professional Services, which covers the Insured’s liability arising out of negligence in their work (applicable to technology services only). Multimedia Liability, which covers liability arising out of any physical pr electronic publication issued by the Insured. Security and Privacy Liability, which covers liability arising out of the Insured’s negligence in preventing a computer security breach. Data Recovery and Loss of Income, which provides a form of business interruption cover and also covers the cost of restoring the Insured’s lost data. Privacy Regulatory Defence and Penalties, which covers liability as a result of the Insured not complying with laws relating to a breach of data. Crisis Management Costs, which covers the costs of mitigation potential damage to the Insured’s brands as well as the Insured’s liability arising out of compliance with privacy legislation. Data Extortion, which covers the cost of validating and terminating the threat of a security breach. Underwritten by the licensed insurer: certain underwriters at Lloyd's.

Corporate

Hollard Life Solutions (Pty) Ltd

Commercial and Indus...

We provide cover to companies with significant asset values across a wide range of industry sectors, including, but not limited to: ● Mining ● Power ● Manufacturing ● Financial services ● Technology and communication ● Real estate ● Retail The cover afforded under an assets policy includes material damage and business interruption, which can extend to machinery breakdown. Since every company’s insurance requirements are unique, specific cover is arranged in ac-cordance with the nature of their business. The intermediary is pivotal to the placement of the insurance programme. To find out how our industry knowledge, risk assessment capability, underwriting expertise and geographical scope of corporate services can be of value to you, please contact us. Commercial We provide valuable protections, including: ● Fire ● Accidental damage ● Business interruption ● Theft ● Money ● Motor ● Liability Extensive cover options are offered, depending on the needs and requirements of your business, including a variety of vulnerabilities that are not in your control. Whether you are an industrial manufacturing company or a technical consulting firm, our team will put together a solution for you, because we understand that no two businesses are the same. We also appreciate the long-term value of giving our broker specialists back-up support, and the very best in risk assessment and risk management. Our commercial offering includes cover for businesses and body corporates. Your business is our business.

Income Protection

YuLife

Employee Benefits

Group Income Protection Insurance that protects, rewards and inspires life. Group Income Protection provides money to your employees in the event that they cannot work due to ill health or a disability. This will be an amount based on a percentage of the employees' salary and an additional amount can be selected to go towards the members retirement contributions. This will ensure their financial stability during that time. There are two different types of income protection cover that can be provided: - Income Protection: A monthly payment is made until retirement age if your employee is permanently unable to work due to ill health caused by illness or injury. - Temporary Income Protection: If your employee is unable to work due to ill health or an injury, a monthly payment is made to them for a limited period while they recover. This gives them the time to adjust, and work out how to adapt for their lifestyle and needs. Designed to fit your company: - The choice is yours. You can choose to provide permanent or temporary Income Protection cover for your employees. In addition the waiting period before claim, length of payment in claim, and escalation of payment in claim can all be selected to fit your company. Hassle-free HR: Our Group Income Protection is quick to purchase and easy to use, with 1-2-1 support when you need it. - Online HR portal to view and manage your employee’s benefits. - Medical underwriting is required for employees with cover above the Free Cover Limit. - Guaranteed cover for all eligible employees (up to the Free Cover Limit). Inspire life with an app that people love and use: - Foster a culture of healthy living and boost productivity levels with the YuLife App. Encourage your team members to engage and make incremental changes that significantly enhance their lifestyle - both within the workspace and at home.

Ami Wealth Plan

Ami Underwriting Managers

Arts, Antiques and C...

At Ami, we're passionate about providing our brokers and their clients with proper, friendly insurance solutions that they can rely on. At Ami, we believe that insurance shouldn't be complicated. That's why we offer bespoke insurance products, including art & collectables, global all-risks, homeowners, contents, and motor insurance (including classic and exotic), and leisure with additional offerings such as pet, cyber, and travel insurance coming soon. We also provide broad liability coverage, all accompanied by easy-to-understand policy wording and a simplified excess structure. Our products are specifically designed to cater to all your personal insurance needs, ensuring comprehensive coverage. With over 100 years of combined insurance experience, our team of insurance professionals is fully versed in personal lines insurance, particularly in serving the high net worth segment of the market. We understand the unique requirements and expectations of individuals with significant assets, and our offerings are tailored to meet their specific needs. What sets us apart is our commitment to providing a personal touch. Unlike traditional insurance companies, we don't rely on impersonal call centre's. Instead, we prioritise building relationships and providing exceptional broker and client service. Our fully digital platform allows brokers and clients to access our services conveniently from anywhere in the country, while still enjoying the seamless, personalised attention and expertise of our friendly and helpful professionals.

ONE Personal Pedal Protect

ONE Insurance Underwriting Managers (Pty) Ltd

Bicycle

Perils Covered: - All risks, damage or loss to equipment within South Africa or anywhere in the world while on a trip not exceeding 30 days. - Cover includes while in storage, in transit and in use, including amateur races. - Third party liability providing indemnity for any damages the insured is legally liable to pay to a third-party claimant for any bodily injury or death, or any loss or physical damage to tangible property that is accidentally caused by the insured while participating in the insured activity. - Personal accident to the insured in the event of death or permanent disability while participating in the activity Items Covered: - All itemised bicycles, mono cycles, tricycles and tandem bicycles, commonly referred to as cycles. - Your cycling accessories such as torches, helmets, cycling sunglasses, shoes, specialist clothing, bike computers, bike GPS’s, heart rate monitors, bike stands, rollers, training mats etc. - Your repair kit - Your bag, case or box used for storing and transporting the equipment - Other items not specifically mentioned but which are used solely during the activity - In the event that Your cycle, or similar items critical to an organised race or cycling event is lost or delayed while in transit to the event, We will indemnify You for the costs of renting similar equipment, as a temporary replacement, for the duration of the event - Excess buy down: Normal excesses can be reduced for an additional premium equal to the normal premium ONE Insurance Underwriting Managers (Pty) Ltd Reg No. 1996/008987/07. Authorised Financial Services Provider FSP8783 VAT No. 4370160501

Ami Bespoke Motor Insurance

Ami Underwriting Managers

Motor - Classic and ...

At Ami, we're passionate about providing our brokers and their clients with proper, friendly insurance solutions that they can rely on. At Ami, we believe that insurance shouldn't be complicated. That's why we offer bespoke insurance products, including a bespoke Classic, Vintage and exotic car offering, homeowners, global all-risks, art & collectables, contents, and motor insurance (including classic and exotic), with additional offerings such as pet, cyber, and travel insurance coming soon. We also provide broad liability coverage, all accompanied by easy-to-understand policy wording and a simplified excess structure. Our products are specifically designed to cater to all your personal insurance needs, ensuring comprehensive coverage. With over 100 years of combined insurance experience, our team of insurance professionals is fully versed in personal lines insurance, particularly in serving the high net worth segment of the market. We understand the unique requirements and expectations of individuals with significant assets, and our offerings are tailored to meet their specific needs. What sets us apart is our commitment to providing a personal touch. Unlike traditional insurance companies, we don't rely on impersonal call centre's. Instead, we prioritise building relationships and providing exceptional broker and client service. Our fully digital platform allows brokers and clients to access our services conveniently from anywhere in the country, while still enjoying the seamless, personalised attention and expertise of our friendly and helpful professionals.

ONE Long Haul

ONE Insurance Underwriting Managers (Pty) Ltd

Heavy Commercial Veh...

ONE Long Haul The ONE Long Haul Policy is designed to meet the needs of the Long Haul Contractor, both large and small. Comprehensive motor cover Claims settled at full retail value Wreckage removal and clean-up Excess-free windscreen subject to use of the approved replacement process Motor liability cover with option to increase benefits Fire and explosion liability Legal assistance for Road Accident Fund claims ONE Short Haul The ONE Short Haul Policy is designed to meet the needs of Short Haul Contractors who operate within a 300km radius of their home base and who park their vehicles overnight. Comprehensive motor cover Claims settled at full retail value Cover for wreckage removal and clean-up Excess-free windscreen subject to use of the approved replacement process Motor liability cover with option to increase benefits Fire and explosion liability Legal assistance for Road Accident Fund claims More competitive rating due to lower risk factors ONE Owner Driver The ONE Owner Driver Policy is designed to meet the needs of vehicle owners who drive their own light delivery vehicle (LDV) or heavy commercial vehicle (HCV). Comprehensive motor cover Claims settled at full retail value Wreckage removal and clean-up Goods in Transit Excess-free windscreen subject to use of the approved replacement process Motor liability with a top-up option Fire and explosion liability Legal assistance for Road Accident Fund claims Franchise excess in respect of own damage section ONE Insurance Underwriting Managers (Pty) Ltd Reg No. 1996/008987/07. Authorised Financial Services Provider FSP8783 VAT No. 4370160501

FDM Engineering Underwriters

FDM Engineering Underwriters (Pty) Ltd

Equipment All Risk a...

MACHINERY BREAKDOWN  Sudden accidental and unforeseen physical loss of or damage to machinery and plant arising from mechanical/electrical breakdown, whilst in operation, at rest or during testing or re-erection at the clien't premises. LOSS OF PROFIT  Consequential loss of gross profit, loss of revenue or increased costs of working, arising from indemnifiable loss or damage sustained under the Machinery Breakdown Policy. DETERIORATION OF STOCK Damage to stock of all descriptions caused by a change in the controlled environment of the holding rooms or chambers arising from indemnifiable damage to the insured machinery that creates the controlled environment. DISMANTLING, TRANSIT & ERECTION Accidental loss of or damage to plant and machinery during the operations insured against. This is a contingency policy and can include dismantling movement, loading, transit, offloading, storage, repositioning, re-erection, public liability and maintenance/guarantee. Cover can be limited to any or all of the aforegoing and can be adapted to suit most applications, such as exhibition or demonstration, etc. Where new machinery is involved, the cover can include testing. WORKS DAMAGE Primarily an impact causing loss or damage to the client's own plant and machinery, to goods being manufactured or to goods under the custody and control of the client. COMPUTER & ELECTRONIC EQUIPMENT Loss or damage to computer, electronic data processing equipment and associated ancillary equipment arising from fire and allied perils. Accidental damage, malicious damage and machinery breakdown. The basic policy can be extended to cover increased cost of working and reconstitution of data and losses arising from the failure of electricity supply and Telkom land lines. PLANT ALL RISKS Loss of or damage to construction plant equipment from any cause whilst in storage, transit, on the contract site and being used as a tool of trade. The policy can be extended to cover the plant whilst underground and for machinery breakdown. In addition standard cover is available for hiring costs, legal liability arising out of the hire and continuing hire charges. CONTRACT WORKS Comprehensive All Risks cover intended for the erection of anything between private houses, cluster homes, small blocks of flats up to large projects such as sugar mills, power stations, refineries and the like.

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