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Pioneering Financial Excellence since 2020 -
Empowering Futures, Inspiring Trust.

28/10/2026

Who owns your stock while it’s on the N3 at 2 a.m.? 🚛

Not the supplier, if the risk has already passed to you. And probably not the carrier, whose liability is usually capped.

Your delivery terms decide whose loss it is. Worth knowing before it matters.

Tag the person who books your freight.

Contact our team for more information on goods in transit insurance.
📧 [email protected]
☎️ +27 (0)10 880 8065 | 063 577 5624
🌐 https://www.citogroup.co.za

21/10/2026

A certificate on file does not mean the cover fits the job.

If a sub-contractor’s policy has lapsed, has low limits, or excludes the work they were doing, the claim may come back to the main contractor.

Before your next project, check:
→ that their policy is active for the full project
→ that their limits meet the contract requirements
→ that their cover matches the work they are doing
→ what your own contract and policy say

📋 Ask us about about cover for all your engineering needs
📧 [email protected]
☎️ +27 (0)10 880 8065 | 063 577 5624
🌐 https://www.citogroup.co.za

16/10/2026

Leadership is less about the title and more about the impact.

Happy Boss’s Day to those who lead by example.

14/10/2026

What if the accident happens on your third trip of the night, not on your drive home?

Plenty of people do a few e-hailing trips after work or on weekends. Same car, same driver.

But once a paying passenger gets in, the car is being used differently. That’s the detail your insurer needs to know about.

Here’s what catches people out: having “business use” on your policy doesn’t automatically mean e-hailing is included. And if you started driving after you took out the policy, it still has to be disclosed.

Not sure what your policy says? Send us a message and ask for a Vehicle Use Check. We’ll compare how you actually use your car with what your policy says.

📧[email protected]
☎ +27 (0)10 880 8065 | 063 577 5624
💻www.citogroup.co.za

Cover always depends on your policy wording, terms and individual circumstances.

07/10/2026

TRANSPORT MONTH - IS YOUR FLEET COVER KEEPING UP WITH YOUR BUSINESS?

For transport operators, insurance is about more than simply having vehicles insured.

As your fleet grows and your operations change, so do your risks - from vehicles and cargo in transit - to liability, downtime and the financial impact of a loss.

This Transport Month, CITO Group is encouraging transport businesses to take a closer look at whether their current insurance structure still matches the way they operate today.

Your review should consider areas such as:
✔ Fleet and commercial vehicle cover
✔ Goods and cargo in transit
✔ Liability exposures
✔ Excess structures and limits
✔ Business interruption and downtime exposures
✔ Gaps, exclusions and changing operational risks

Don’t wait for a claim to discover that your cover has gaps.

Speak to the CITO Group team about a complimentary Fleet & Insurance Risk Review and let us help you identify areas in your current cover that may need attention.

☎️ +27 (0) 10 880 8065
📧 [email protected]
💻 www.citogroup.co.za

Protect the vehicles. Protect the cargo. Protect the business.

30/09/2026

At CITO Group we look after individuals, families, business owners, employers and their employees across long-term insurance, short-term insurance, healthcare consulting and employee benefits.

But what we are proudest of isn't the range of what we do. It's how we do it.

Offering trusted consulting services means seeing the whole picture - the family behind the life cover, the business behind the commercial policy, the people behind the benefits scheme.
And it means understanding how each decision affects the others as part of our continued advisory services.
It means giving honest advice, even when it isn't the easiest thing to hear.
It means explaining things clearly, so our clients make decisions with confidence rather than guesswork.
And it means staying close as lives and businesses change, not disappearing once the paperwork is done.

Trust isn't a title we can give ourselves. It's something we earn, one client and one conversation at a time.

If you're looking for consultants who see the whole picture, we welcome the conversation.

📞 010 880 8065 or 063 577 5624
🌐 www.citogroup.co.za
📧 [email protected]

24/09/2026

Rooted in HERITAGE, building tomorrow 🇿🇦

We speak different languages and come from different cultures.

We carry different stories but together, we are South Africa.

At CITO Group, we believe the future we build should still honour the people, values and legacies that brought us here.

Because heritage is not only about remembering the past.

It is also about asking:

What are we building today that the next generation will one day call their heritage?

16/09/2026

What if your ex-spouse could still inherit everything - even after your divorce?

Most people assume divorce automatically removes an ex from their will. It doesn't, on its own - if the will hasn't been updated - it stands exactly as written.

Same applies to a new marriage, a new baby, buying property, starting a business, or someone named in your will passing away. None of it rewrites your will for you.

Curious how many people have a will that's out of date without realising it - let us know below. Save this post, share it with someone who might need it, or get in touch if it's time to revise yours.

📞 010 880 8065 OR 063 577 5624
🌐 www.citogroup.co.za
📧 [email protected]

General information, not legal advice.

09/09/2026

UNCOMFORTABLE TRUTH:
"Don't worry, the house is yours one day."

Cool. But what happens if "one day" comes before anyone's ready for it?
A promise isn't a plan.

Imagine you're gone tomorrow. No warning, no time to "sort it out later."

Would your family:
✅ Know exactly what you wanted them to have?
✅ Avoid months (sometimes years) stuck waiting on the Master's Office?
✅ Skip the legal fees that quietly eat into what's left?
✅ Avoid fights over who gets what — while they're already grieving?

The reality is, without a valid will, the law decides who gets your stuff. Not you. And "the law" doesn't care about the promise made over Sunday lunch.

A valid will is the cornerstone of your financial plan. Without one, your investments, insurance, and savings may not go where you intend — the law decides instead of you. A valid will removes that uncertainty.

Because a promise lives in someone's memory.
A will lives in writing.
Only one of those holds up when it actually matters.

Let us us help you preserve your legacy!
☎️ 010 880 8065 | 063 577 5624
🌐 www.citogroup.co.za
📧 [email protected]

02/09/2026

Spring is the perfect time for a fresh start. 🌱🦋

Because the finances and insurance that made sense a few years ago may not necessarily make sense today.

Over the next few weeks, we’re taking a closer look at:

✔ Your personal finances - including the most important document you will ever sign

✔ Your business finances

✔ Your insurance portfolio

✔ Your cover and potential gaps

The reality is, things change. Your income changes. Your business evolves. Your priorities shift. Your financial plan should evolve with them.

So this spring, don’t just clean out your cupboards - spring clean your financial life.

Follow along as we tackle it, one area at a time.

📞 010 880 8065 | 063 577 5624

🌐 www.citogroup.co.za

Address

Office 5 Palm Springs Office Park, 100 Johannesburg Road
Johannesburg
2192

Telephone

+27108808065

Website

https://linktr.ee/thecitogroup

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