Professional indemnity insurance cover is issued to provide insurance cover for a service provider in case their clients suffer a financial loss, resulting from the negligent act, error or omission…
Insurers typically assess insurance claims for damage to buildings based on information provided in the claim form and other supporting documentation. If this information is unclear, vague or ambiguous, questions…
One of the most popular forms of residential habitation in South Africa is undeniably a sectional title or community Scheme. Over recent years, this property sector has experienced heavy regulation…
(Updated: 12 December 2024) Annual general meeting (AGM) preparations often happen at the last minute—it seems to be human nature! However, when it comes to insurance-related responsibilities, better planning is…
[Updated: 29 July 2025] Let’s be trustees who deal with disputed claims fairly and correctly! Claims are either common area claims or otherwise claims that deal with the owners’ sections.…
Better the devil you know? This adage suggests that dealing with a familiar person or service – even if not the best option – may feel easier than taking a…
All specialised communal property building insurance policies provide material damage cover for the insured property together with public or property owners’ liability cover. In terms of the specialised nature of…
The beginning of a new year is a good time to take stock of our risks and finances, getting our houses in order financially. It is important that trustees understand…
Not all insurers provide this cover as it is not a standard requirement but an extended benefit. Most insurers who specialise in providing cover for community scheme risks do provide…
(Updated 20 February 2025) Trustees are guided by the Community Schemes Ombud Services Act (CSOS Act) and the Sectional Title Schemes Management Act (STSM Act) when it comes to insurance…