Inscorp Insurance Brokers

Inscorp Insurance Brokers Inscorp Insurance Brokers helps South African businesses structure commercial insurance before claims.

We provide insurance solutions for SMEs, transport and logistics companies, fleet operators, and commercial property owners. With over 120 years combined experience in the Commercial Insurance industry, you can rest assured, you’re in good hands. We believe every business is unique with its own set of challenges and therefore should be looked at individually to find a solution which suits your business needs

I drove into a hospital parking area in the east of Pretoria and saw this sign:High Risk Vehicles ParkingI sat with that...
31/07/2026

I drove into a hospital parking area in the east of Pretoria and saw this sign:

High Risk Vehicles Parking

I sat with that for a moment.

Not because the sign was shocking.

Because it wasn’t.
It was so ordinary.
A normal sign.
In a normal parking area.

At a normal hospital.
On an ordinary day.
And maybe that is the part that stayed with me.

Crime has become so matter-of-fact in South Africa that we now create systems around it almost without thinking.

Separate parking for high-risk vehicles.
Extra security at shopping centres.

Guards at boom gates.
Tracking devices.
Panic buttons.
Electric fences.
Cameras.

We hardly pause anymore.

We adjust.

We plan around it.

We build it into the way we live and work.

And in one sense, that is resilience.

South Africans are incredibly good at adapting.

But sometimes I wonder whether we have adapted so well that we forget to feel the weight of what has become normal.

A vehicle being considered “high risk” is not just a line on a list.
It means people are being targeted.

It means businesses are carrying more pressure.
It means families think differently about where they park, when they travel, and what they drive.

It means risk has quietly moved from something distant to something built into everyday decision-making.

As an insurance specialist, I look at risk every day.

But as a person, signs like this still make me stop and think.

Not with panic.

Not with drama.

Just with the quiet realisation that the world we are insuring is changing because the world we are living in is changing.

The Risk Always feels Distant.... Until it Becomes Yours

Have you also noticed how many risks we now treat as “normal” simply because we have had to adapt?

Contact us for professional assistance.
www.inscorp.co.za
012 661 3007
[email protected]

Inscorp is an authorised FSP: 43796

Things business owners forget to tell their brokerMost business owners are not trying to hide anything. They are simply ...
07/07/2026

Things business owners forget to tell their broker

Most business owners are not trying to hide anything. They are simply busy running the business.

But small operational changes can affect insurance cover.

Have you told your broker if your business has:

- Moved premises or added a storage location?
- Bought or sold vehicles?
- Added new drivers?
- Installed solar, generators or backup power?
- Increased stock levels?
- Changed alarm companies or security arrangements?
- Bought new machinery or equipment?
- Started a new business activity?
- Subcontracted deliveries or transport work?
- Signed a contract with new liability requirements?

These may feel like ordinary business decisions, but they can become important after a claim.

Insurance is arranged around information. When the business changes, the policy may also need to be reviewed.

A quick conversation with your broker before a loss is much easier than a difficult conversation after one.

Inscorp Insurance Brokers assists South African businesses with commercial insurance, transport and logistics insurance, fleet insurance, liability cover and practical risk reviews.

The Risk Always feels Distant..... Until it Becomes Yours

Inscorp Insurance Brokers is an authorised FSP: 43796

www.inscorp.co.za

Apparently… it may or may not have happened that way.Every now and then, a claim description reminds us why clear inform...
01/07/2026

Apparently… it may or may not have happened that way.

Every now and then, a claim description reminds us why clear information matters.

Phrases like “apparently” or “it may or may not” may sound harmless, but in a claim they can lead to delays, follow-up questions and confusion.

When an incident is reported, it helps to be clear about:

- What happened
- Where it happened
- When it happened
- Who was involved
- What was damaged
- Whether there were witnesses
- Whether photos, reports or other supporting documents are available

In transport insurance, the details matter even more. Was the load damaged in transit? Was another vehicle involved? Was the driver at the correct delivery point? Were policy conditions followed?

A good claim description does not need to be dramatic. It simply needs to be clear.

Inscorp Insurance Brokers assists South African transport and commercial clients with practical insurance guidance, claims support, Goods in Transit, Carrier’s Liability, Contingent Liability and fleet risk management.

Contact us for professional assistance.
www.inscorp.co.za
012 661 3007
[email protected]

Inscorp is an authorised FSP: 43796

The risk always feels distant… until it becomes yours.According to a report by MyBroadband, personal records of more tha...
10/06/2026

The risk always feels distant… until it becomes yours.

According to a report by MyBroadband, personal records of more than 88,000 South Africans linked to Cannabis Club Systems were exposed online, including scanned IDs and passports.

But this is not only a cannabis story.

It is a data-risk story.

Every business that collects personal information carries responsibility. ID copies, driver’s licences, employee records, client forms, proof of address documents, vehicle details and financial information all need to be protected.

When personal information is exposed, the consequences can affect trust, reputation, compliance, business continuity and recovery costs.

Cyber risk is no longer only a “big company problem”. SMEs, logistics companies, retailers, professional practices and service providers also collect and store sensitive information every day.

Business owners should ask:

What personal information do we collect?

Where is it stored?

Who has access to it?

What would we do if it was exposed?

Insurance cannot prevent a cyber incident.

But the right cyber cover can support the response, including investigation costs, legal guidance, notification costs, crisis support and recovery assistance, depending on the policy wording.

Cyber security, data privacy and business resilience are now part of responsible business planning.

Inscorp Insurance Brokers
Inscorp is an authorised FSP: 43796

Contact us for professional assistance.

www.inscorp.co.za
012 661 3007
[email protected]

09/06/2026

Is the load insured, or is your liability insured?

In transport insurance, Goods in Transit and Carrier’s Liability are often confused, but they do not always respond in the same way.

Goods in Transit generally deals with cover for the goods being transported, subject to the policy wording, limits, conditions and the contract between the parties.

Carrier’s Liability deals with the transporter’s legal liability for loss or damage to goods belonging to someone else. This is where Standard Trading Conditions often become important, as they may help define and limit liability.

Before a load moves, it is important to check:

What the contract says about responsibility for the goods
Whether Standard Trading Conditions apply
Whether liability has been accepted beyond the policy cover
Whether the load limit is sufficient
Whether another transporter or subcontractor is involved
Whether Contingent Liability should be considered

Inscorp Insurance Brokers assists South African transport and logistics businesses with practical guidance around Goods in Transit, Carrier’s Liability, Standard Trading Conditions and Contingent Liability.

Inscorp is an authorised FSP: 43796

Contact us for professional assistance.

www.inscorp.co.za
012 661 3007
[email protected]

04/06/2026

Transport Insurance and Subcontracting

When a load is subcontracted, it is important to understand how the insurance policy and transport agreement work together.

Some Goods in Transit or transport-related policies may allow subcontracting, but only once. If that subcontractor appoints another transporter again, the original cover may no longer respond.

Before a load moves, transport businesses should check:

Whether subcontracting is allowed
Whether the first subcontractor is allowed to appoint another transporter
Who is responsible for the goods
Whether the load limit is sufficient
Whether the contract creates open-ended liability
Whether Contingent Liability cover should be considered

A signed contract is important, but the wording matters.

The insurance should match the way the transport operation actually works.

Inscorp Insurance Brokers assists transport and logistics businesses to review these risks before a claim happens.

Inscorp is an authorised FSP: 43796

Contact us for professional assistance.

www.inscorp.co.za
012 661 3007
[email protected]

03/06/2026

Is Your Business Hiding Inside Your Personal Insurance?

Many small businesses start from home, at the dining room table, in a spare room, from the garage, or with a personal vehicle being used for business errands.

As the business grows, the insurance risk can change.

Business stock, tools, laptops, equipment, client items, deliveries, or regular business use of a vehicle may not always be treated the same as normal personal use.

A home contents policy may also need to be reviewed if stock is stored at home, clients visit the premises, or part of the home is used for income-generating activities.

This does not mean every small business owner needs a complicated commercial policy. In some cases, a combined personal and business insurance solution may be worth considering. In other cases, separate personal and commercial policies may still be more suitable.

The important part is to review the risk properly and not assume that personal insurance automatically covers business activities.

At Inscorp Insurance Brokers, we help small business owners understand where personal and business risks may overlap.

Inscorp is an authorised FSP: 43796

Contact us for professional assistance.

www.inscorp.co.za
012 661 3007
[email protected]

Your goods are on the road… but who is responsible for them?When goods leave your premises, the journey may involve more...
27/05/2026

Your goods are on the road… but who is responsible for them?

When goods leave your premises, the journey may involve more than one party.

There may be a cargo owner.
A transporter.
A subcontractor.
A driver.
A loading point.
A delivery point.
And a set of documents that may become very important if something goes wrong.

This is why Goods in Transit insurance should not only be seen as “the load is insured.”

It is important to understand who is responsible for the goods while they are being transported, what agreement is in place, and whether the policy wording matches the way the transport is actually being done.

This becomes even more important where subcontractors are used.

Before goods are transported, it helps to ask:

* Is there a clear agreement between the cargo owner and the transporter?
* Does the transporter’s policy allow the use of subcontractors?
* Does the subcontractor have suitable cover in place?
* Are there route, tracking or security requirements?
* What documents may be needed if there is a loss?
* Where could Contingent Liability apply if another party’s cover is insufficient?

It is not enough to know that cover exists.

You need to understand how that cover responds.

In transport insurance, the responsibility behind the load can matter just as much as the load itself.

Inscorp Insurance Brokers is an authorised FSP: 43796.

Contact us for professional assistance.

www.inscorp.co.za
012 661 3007
[email protected]

Address

54 Phyllite Avenue
Centurion
0157

Opening Hours

Monday 08:00 - 16:30
Tuesday 08:00 - 16:30
Wednesday 08:00 - 16:30
Thursday 08:00 - 16:30
Friday 08:00 - 15:30

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