CST Risk - Schmahl Ackerman Co

22/06/2026

🌩️ Does Vehicle Insurance Cover Hail Damage?

Hailstorms can cause significant damage to your vehicle, from dents and chipped paint to cracked windscreens and broken mirrors.

✅ Comprehensive Vehicle Insurance typically covers:

Hail damage to the bodywork

Cracked or shattered windows

Damage to mirrors and lights

Repairs or replacement costs (subject to policy terms and excess)

⚠️ Important: Third-party only insurance generally does not cover hail damage to your own vehicle.

What To Do After Hail Damage

1. Take photos of the damage as soon as it's safe.

2. Prevent further damage where possible.

3. Contact your insurer or broker promptly.

4. Obtain repair quotations if requested.

5. Keep all claim-related documents and correspondence.

🛡️ Prevention Tips

Park under cover whenever severe weather is forecast.

Use covered parking at shopping centres or workplaces.

Consider a vehicle hail cover or protective car cover if you live in a hail-prone area.

Stay informed through weather alerts.

A sudden hailstorm can leave you with costly repairs. Reviewing your vehicle insurance now can help ensure you're protected when severe weather strikes.

CST Risk Solutions
Solutions with Precision
FSP 12465

📞 041 110 2450
Johann: 067 775 2532
Werner: 079 885 4958

16/06/2026

Happy Youth Day – 16 June 🇿🇦

Today we honour the courage, dreams and potential of South Africa’s youth.

At CST Risk Solutions, we believe in building a safer, stronger future — one protected step at a time.

Happy Youth Day from CST Risk Solutions!

Solutions with precision
FSP 12465

15/06/2026

🚗🔒 Vehicle Theft Can Happen When You Least Expect It

Imagine walking out to where you parked your vehicle, only to find an empty space.

Vehicle theft remains a reality, but the right insurance cover can help protect you from the financial impact.

At CST Risk Solutions, we help you find vehicle insurance that gives you peace of mind when the unexpected happens.

✅ Theft Cover
✅ Comprehensive Protection
✅ Fast & Efficient Claims Assistance
✅ Personal Service You Can Trust

Don't wait until it's too late. Review your cover today and make sure you're protected.

📞 Tel: 041 110 2450
📱 Johann: 067 775 2532
📱 Werner: 079 885 4958

CST Risk Solutions
Solutions with precision

FSP 12465

09/06/2026

🔥 House & Building Insurance – Fire Damage

A fire can cause devastating damage in a matter of minutes, leaving homeowners with significant repair or rebuilding costs.

🏠 What Building Insurance Typically Covers:
✅ Fire damage to the structure of your home
✅ Damage to walls, roofs, ceilings, and permanent fixtures
✅ Smoke and soot damage
✅ Damage caused by firefighting efforts (water damage)
✅ Outbuildings, garages, and boundary walls (subject to policy terms)
✅ Debris removal and site clearing costs

⚠️ Why Adequate Cover Matters

The cost of rebuilding a home can be far higher than expected due to rising material and labour costs. Ensuring your property is insured for its correct replacement value is essential.

🔥 Fire Prevention Tips
• Install and regularly test smoke detectors
• Keep fire extinguishers accessible
• Avoid overloading electrical outlets
• Maintain electrical wiring and appliances
• Keep flammable materials away from heat sources

🛡️ Protect What Matters Most Your home is one of your biggest investments.

The right insurance cover can help you recover financially after an unexpected fire.

CST Risk Solutions
FSP12465
Solutions with Precision

📞 041 110 2450
📱 Johann: 067 775 2532
📱 Werner: 079 885 4958

08/06/2026

🚗 Vehicle Theft – Are You Protected?

Vehicle theft can happen in seconds, leaving you without transport and facing unexpected financial loss.

Here are a few ways to reduce your risk:

✅ Always lock your vehicle, even when parked at home.
✅ Never leave valuables visible inside the vehicle.
✅ Park in well-lit, secure areas whenever possible.
✅ Install a tracking device for improved recovery chances.
✅ Keep spare keys in a safe place and never inside the vehicle.
✅ Be alert to remote-jamming theft attempts in parking areas.

🛡️ The right insurance cover can help protect you against the financial impact of vehicle theft, attempted theft, and related damages.

Don't wait until it's too late—review your cover and make sure you're adequately protected.

CST Risk Solutions
Solutions with Precision
FSP 12465

📞 041 110 2450
📱 Johann: 067 775 2532
📱 Werner: 079 885 4958

05/06/2026

💻 Laptop Insurance – Why It Matters

Your laptop is more than just a device — it's where you work, study, communicate, and store valuable information. A stolen, lost, or damaged laptop can be expensive to replace and disruptive to your daily life.

What Laptop Insurance Can Cover

✅ Theft and burglary
✅ Accidental damage (drops, spills, cracked screens)
✅ Fire and storm damage
✅ Power surge damage
✅ Loss due to certain insured events
✅ Repairs or replacement costs

Who Should Consider Laptop Insurance?

👨‍💼 Business professionals
🎓 Students
🏠 Remote workers
📸 Photographers and content creators
💻 Anyone who relies on their laptop daily

Don't Assume You're Covered

Many people are surprised to learn that laptops may not automatically be covered under standard household contents insurance, especially when taken away from home. An All Risk Insurance policy can provide cover for laptops and other portable valuables wherever you go.

🛡️ Protect your investment before an unexpected event turns into a costly replacement.

CST Risk Solutions
Solutions with Precision
FSP 12365

📞 041 110 2450
👤 Johann: 067 775 2532
👤 Werner: 079 885 4958

04/06/2026

🌾 Farming Insurance: Weather-Related Risks

Farming depends on the weather — but the weather is not always predictable.

Heavy rain, hail, floods, drought, windstorms and fire can cause serious damage to crops, livestock, equipment, buildings and income.

✅ Protect your farm assets
✅ Cover weather-related damage
✅ Reduce financial loss after unexpected events
✅ Keep your farming operation moving forward

Don’t wait for the next storm to check your cover.

CST Risk Solutions
Solutions with precision
FSP 12465

03/06/2026

🏢 Commercial Insurance: Protecting Your Business Assets

Your business assets are the foundation of your success. From buildings and equipment to stock and technology, unexpected events can result in significant financial losses.

Commercial Insurance helps protect your business against risks such as:

✅ Fire and explosion damage
✅ Storm, flood, and weather-related losses
✅ Theft and burglary
✅ Vandalism and malicious damage
✅ Accidental damage to equipment and machinery
✅ Business interruption following an insured event
✅ Loss or damage to stock and inventory

What Assets Should Be Protected?

🏢 Buildings and premises
💻 Computers and office equipment
🚚 Vehicles and mobile equipment
📦 Stock and inventory
⚙️ Machinery and tools
📄 Important business records
💰 Business income and operations

Why Asset Protection Matters

A single unexpected event can disrupt operations and place financial strain on your business. The right commercial insurance ensures you can recover quickly and continue serving your clients with confidence.

🛡️ Protect what you've worked hard to build.

📞 Contact CST Risk Solutions today for a commercial insurance review.

CST Risk Solutions
Solutions with Precision

📞 041 110 2450
👤 Johann: 067 775 2532
👤 Werner: 079 885 4958

FSP 12465

03/06/2026

🏢 Commercial / Business Insurance

Your business is more than just a building — it's your investment, your livelihood, and the future you've worked hard to build.

Unexpected events like fire, theft, storm damage, equipment breakdowns, cyber threats, or liability claims can have a significant financial impact on your business.

With the right Commercial Insurance, you can protect:

✅ Business Premises
✅ Office Equipment & Stock
✅ Machinery & Tools
✅ Public Liability
✅ Business Interruption
✅ Vehicles & Fleet
✅ Cyber Risks
✅ Employee-Related Risks

Don't wait until disaster strikes to find out you're underinsured.

Let CST Risk Solutions help you review your current cover and ensure your business is properly protected.

📞 041 110 2450
👤 Johann: 067 775 2532
👤 Werner: 079 885 4958

CST Risk Solutions
Solutions with precision
FSP 12465

02/06/2026