Chadwicks Risk and Insurance Brokers

Chadwicks Risk and Insurance Brokers Chadwicks Risk & Insurance Brokers (Pty) Ltd are Non-Life Insurance Brokers.

On 15 October 2025, a United Airlines flight turned around mid Atlantic. A passenger's laptop fell through a cabin wall ...
03/12/2025

On 15 October 2025, a United Airlines flight turned around mid Atlantic. A passenger's laptop fell through a cabin wall gap into the cargo hold.

The facts:
➡️ Three hour retrieval operation
➡️ Eight hour delay
➡️ Lithium laptop battery was still on

Tim Chadwick wrote an article on News24 Business regarding what happened, liability if things go wrong and the critical insurance gaps most South African travellers do not realize exist.

You are likely asking yourself: Would my insurance cover this?

The reality is concerning.

Most personal liability policies exclude aviation risks and most personal liability limits are designed for local risks, not international aviation incidents involving lithium fires, subrogration claims and multi-jurisdictional legal processes.

𝐑𝐢𝐬𝐤 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬 𝐭𝐨 𝐚𝐬𝐤 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟:
↳ What happens if your device causes an aviation incident?
↳ What is your personal liability sum insured and is it adequate?
↳ Do you have Umbrella Personal Liability cover?
↳ Are you using non-OEM batteries in your devices?

✅ Talk to a professional risk advisor if you are unsure.

Read the full article here: https://zurl.co/vkN3N

The Huguenot Tunnel closed for two weeks. ❌ Freight slowed. ❌ Deliveries delayed. ❌ Turnovers reduced.And most businesse...
28/10/2025

The Huguenot Tunnel closed for two weeks.

❌ Freight slowed.
❌ Deliveries delayed.
❌ Turnovers reduced.

And most businesses discovered gaps in their business insurance.

Our CEO Tim Chadwick’s analysis, published in News24, breaks down who is liable, what standard policies miss and the one word difference in business interruption cover that could cost you millions of Rands.

❌ SA’s infrastructure maintenance backlog is roughly R420 billion. The next closure is coming.

✅ The time to do pre loss risk modeling is now.

Read the full article: https://zurl.co/MdJxi



Chadwicks is an Authorised Financial Services Provider.

Are you on insurance autopilot?Most businesses review the insurance premium and move on. But renewal is the time to chec...
17/10/2025

Are you on insurance autopilot?

Most businesses review the insurance premium and move on. But renewal is the time to check whether your cover still matches your risk and whether you are getting value for money.

Avoid insurance autopilot. Would you get on a plane if AI is the pilot? Speak to the professionals, you need a proper Risk Advisor to help you make informed insurance decisions. And remember, a risk advisors' services come at no cost.

Here is one thing to look out for:

🚩 Emerging Risk Exposures: New technology, climate impacts, AI, evolving operations. Policy language takes time to catch up with changing risk.

Read here on other Renewal Red Flags: https://zurl.co/W8ZJj



Chadwicks is an Authorised Financial Services Provider

Insurance often feels like ❌ just another tick the box exercise❌ a familiar brand’s logo❌ a sharp price and the sense th...
10/10/2025

Insurance often feels like

❌ just another tick the box exercise
❌ a familiar brand’s logo
❌ a sharp price and the sense that you have made a good decision

This is human nature: trust the big name, save where you can, move on.

The truth?

Insurance only reveals its worth when life veers off script. In those moments, shiny marketing and low rates do not advocate for you, people do.

The “fine print” becomes centre stage and the person (or absence of one) behind your policy makes all the difference.

↪️ Brand is important: A strong brand signals stability and resources.

↪️ Price is seductive: Paying less, especially significantly less, always feels like it is too good to be true. And if your quote was low and instant and no one asked you challenging risk questions, it is not just fast, it is probably fundamentally flawed.

↪️ Advice is underrated: Brokers are often overlooked because advice looks invisible and unnecessary in claim free years. But when trouble comes, a risk advisors worth reveals itself, you have someone who:
- decodes jargon
- spots risk gaps
- and goes to bat for you, at no extra cost

↪️ The wise decision isn’t either/or: Seek a policy where both the brand and the person behind it stand up for you. A trusted brand carries you through the storm, but an engaged risk advisor helps you prepare for it, makes sure your cover fits your world and stands by you when the chips are down.

↪️ Next time you review your cover or consider a new policy, take the following test:

✅ Am I resting on a name, a price or is there a risk advisor in my corner?
✅ Can I remember the last time someone asked tough questions about my risks, not just sold me cover?
✅ Did anyone help me spot what my policy will not pay for?
✅ Do I know who to call if something goes wrong and do they know me by name?
✅ Did someone challenge my assumptions or simply offer a quick, cheap quote with minimal detail?

True peace of mind comes from knowing:

✅ both the strength of the insurer
✅ and the professional support of a trusted risk advisor
✅ who is a real person, who genuinely cares about their clients (not AI)
✅ who puts you first
✅ and who is there to help you 24/7

↪️ Do not wait for a claim or a policy review to get these answers. Take the test as soon as possible.

Read more on the hidden costs of quick and easy insurance: https://zurl.co/tHyJA



Chadwicks is an Authorised Financial Services Provider

What if your dream trip ended before it even began?Imagine this: bags packed, passport ready and then an unexpected call...
03/10/2025

What if your dream trip ended before it even began?

Imagine this: bags packed, passport ready and then an unexpected call that changes everything.

You remember ticking that travel insurance box, but was it the right box or just the convenient one?

And when a medical emergency happens overseas and the hospital abroad wants payment upfront, who steps in?

⚠️ The real risk is not no cover at all, but thinking you had enough, when you did not.

The difference often comes down to a detail you never even knew to check. Rather use a professional risk advisor to help you, they do not cost you a cent more.

From trip cancellation to medical aid overlap, missed connections and even liability abroad, we unpack it all. Read more here: https://zurl.co/VK4qC



Chadwicks is an Authorised Financial Services Provider

From a business perspective, ownership feels self evident, as :✅ Equipment sits in your facility✅ inventory fills your w...
29/09/2025

From a business perspective, ownership feels self evident, as :

✅ Equipment sits in your facility
✅ inventory fills your warehouse and
✅ intellectual property drives your operations

Documentation feels like an administrative burden that creates clutter, without adding operational value.

For insurers, documented evidence forms the foundation of every claim settlement. Fraud prevention requirements mean every claim must withstand scrutiny from:

✅ adjusters
✅ auditors
✅ and potentially legal challenges

It is vital for you to understand that contractually, the burden of proof, in terms of proving ownership and value, always rests with you, not the insurer.

The fundamental divide is expectation versus requirement and this is precisely where a risk advisor’s expertise becomes critical.

They understand both worlds. Your operational reality and the insurer’s verification requirements.

A competent risk advisor helps you build the required evidence before you need it, establishing clarity by continually asking leading risk questions including:

✅ proof of ownership
✅ value
✅ and condition

↪️ How confident are you that you can prove ownership and value of all your insured assets?

Read more: https://zurl.co/LbP6i



Chadwicks is an Authorised Financial Services Provider

Consider this: A R10 million shipment arrives intact, yet release is blocked until you pay for another shipper’s loss.Mo...
23/09/2025

Consider this: A R10 million shipment arrives intact, yet release is blocked until you pay for another shipper’s loss.

More “What if's” and things to consider:

❌Your CIF policy expired at the port, leaving hijack prone inland transport completely uninsured

❌“All Risks” often excludes delay, poor packing, extended storage and even VAT, unless declared correctly

❌Cross voyages, fragile goods, war risk zones and commodity exclusions that can cause claim headaches

Marine cargo risks are only at sea or in the air. It is also about what happens before and after.

✅ You need an experienced risk advisor in your corner.

Read more here: https://zurl.co/VtUu3



Chadwicks is an Authorised Financial Services Provider

Jeremy Clarkson’s pub, The Farmer’s Dog, was hacked. £27,000 (over R600 000) was stolen straight out of their accounting...
09/09/2025

Jeremy Clarkson’s pub, The Farmer’s Dog, was hacked. £27,000 (over R600 000) was stolen straight out of their accounting system.

If it can happen to a pub in the Cotswolds (owned by one of the most recognisable faces in motoring journalism), it can happen to any business.
Here is the South African reality:

✅ One in three SMEs has already been hit by cybercrime
✅ Local businesses lose R2.2 billion every year
✅ We rank third globally on the Cyber Exposure Index

Why SMEs? Hackers know smaller businesses often lack the defences of big corporates. That makes you the low hanging fruit.

Attacks across Southern Africa have surged roughly 76%. AI has made them smarter, faster and harder to spot.

These are some of the tactics used by AI:
✅ Phishing emails in flawless multiple languages
✅ Automated vulnerability scans running 24/7
✅ Personalised scams that feel “too real” to ignore

A single breach can stop operations, damage reputation and result in substantial financial loss.

Three actions you can take today:
Turn on multi-factor authentication for all accounts
Run a phishing simulation and a cyber vulnerability scan
Create or review your cyber incident response plan

This is not just an IT problem. It is a business survival problem. And it is why cyber insurance must be part of your risk strategy, especially if you store any personal data. The liability implications can be financially devastating.

The critical question is:
👉 What would a cyber attack cost your business?

Do not wait for your own R600,000 wakeup call.
Read more on Cyber Risks here: https://zurl.co/oDrNV



Chadwicks is an Authorised Financial Services Provider

01/09/2025

Help us use AI to lead it. This is where imagination meets real business challenges, where we discover AI's potential for insurance.


Bring your analytical thinking, whether from computer science, engineering, math, business or anywhere problem solving meets creativity. We will explore AI solutions together. You will help us streamline operations. You will develop AI tools that grow client trust and win business. You will prove that fresh perspective equals breakthrough results.


Curious? Ready to solve problems that do not have textbook answers?


But first, discover our values and our story. We are seeking candidates who connect with our purpose and want to expand it through cutting edge innovation. Read our story here: https://zurl.co/N6rJO


Send your CV to: [email protected]

The closing date for submissions is 17 November 2025.

Welcome to the great beyond. This is the beginning, it is the launchpad for everything you are about to become.Apply for...
28/08/2025

Welcome to the great beyond. This is the beginning, it is the launchpad for everything you are about to become.

Apply for an internship at Chadwicks. Our internships are our people pipeline for the future and they are intended to lead to full time positions. We will teach you risk and insurance. We will expose you to the business operations. We will introduce you to the world of marketing and AI.

Curious?

We have one requirement, discover our values and story first. We are only looking for candidates who know what we stand for and genuinely want to be part of it. Read our story here: https://zurl.co/M1XuJ

Send your CV to: [email protected]

The closing date for submissions is 17 November 2025.

28/08/2025

What happens next?
Video link:https://zurl.co/c0XOw

The road of business is long and winding. You have negotiated challenges, overcome obstacles and led your team forward. But what happens when you reach the edge of a cliff?

Like the one emperor penguin chick showed, wise leaders do not stand at the edge and hope for the best. They follow the first principles of risk and insurance management, enabling them to deal with “cliffs” and risk with confidence:

✅ Identify Risks
Just like the wise emperor penguin who identified the dangers of the great unknown below (like starving versus facing a catastrophic fall), prudent business leaders identify the specific risks that could put them out of business. This includes threats to property, the potential for reduction in turnover after a property disaster and exposure to liability claims.

✅ Analyze & Assess Risks
The penguin did not just see the cliff, it instinctively analyzed the leap, assessing the likelihood of a successful dive and the potential impact of a failed one. In business, this translates to analyzing the probability and impact of insurable risks. For example, assessing not only the chance of a fire or a lawsuit, but also the full financial and operational consequences if it were to occur.

✅ Treat Risks
For the penguins, "treating" the risk is a collective leap of faith, relying on the group to successfully reach the water. For business, the most effective treatment for major risks is to transfer them. This is where insurance comes in. Just like a tribe of penguins ready to jump in and save you, Chadwicks has your back and can help you treat your insurable risks by transferring them to the right insurer for you, ensuring your business lands safely and can continue its journey with confidence.

Read more here: https://zurl.co/bWPno



Chadwicks is an Authorised Financial Services Provider

Insurance pays for defined loss. It does not fix weak standards. Our new guide sets out the five franchise risks that ar...
14/08/2025

Insurance pays for defined loss. It does not fix weak standards. Our new guide sets out the five franchise risks that are crucial, what cover can and cannot do and the controls that keep you trading when the heat is on.

Read more here: https://zurl.co/y7IPP



Chadwicks is an Authorised Financial Services Provider

Address

Bridgewater Suites, C404, Conference Lane, Century City
Cape Town
7441

Opening Hours

Monday 08:30 - 16:30
Tuesday 08:30 - 16:30
Wednesday 08:30 - 16:30
Thursday 08:30 - 16:30
Friday 08:30 - 16:30

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