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Monday 08:00 - 17:00 Tuesday 08:00 - 17:00 Wednesday 08:00 - 17:00 Thursday 08:00 - 17:00 Friday 08:00 - 17:00

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CST Risk - Schmahl Ackerman Co

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CST Risk - Schmahl Ackerman Co

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For all your short term insurance needs. Personal or Commercial

16/10/2026

🏡⏳ YOU HAVE 5 MINUTES TO LEAVE YOUR HOME…

🚨 Imagine you suddenly had to evacuate your home.

You have just 5 minutes to grab your most important belongings.

💭 What THREE things would you take with you?

📱 Your phone?
📸 Family photographs?
💍 Sentimental jewellery?
🐾 Your beloved pets?

👇 Tell us your TOP 3 in the comments!

💚 Some things are irreplaceable. Others can be protected.

While insurance can't replace precious memories or sentimental value, the right Household Contents Insurance can help you recover financially when your belongings are lost or damaged by insured events.

🛡️ CST Risk Solutions – Protecting What Matters Most.

💬 Let's talk about making sure your household contents are adequately insured.

15/10/2026

𝐋𝐢𝐟𝐞 𝐢𝐬 𝐮𝐧𝐩𝐫𝐞𝐝𝐢𝐜𝐭𝐚𝐛𝐥𝐞. 𝐈𝐬 𝐲𝐨𝐮𝐫 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐫𝐞𝐚𝐝𝐲?

Risks don't wait for a convenient moment.

🏠 A burst pipe can damage your home overnight.
🚗 An accident can happen on your daily commute.
🏢 A fire or unexpected shutdown can disrupt your business.
💻 A cyber attack can strike when you least expect it.

The unexpected can happen at any time, but having the right insurance cover can make all the difference.

At CST Risk Solutions, we believe in helping you prepare for life's uncertainties with insurance solutions tailored to your personal and business needs.

✅ Protect what matter
✅ Understand your risks.
✅ Make sure your cover keeps up with your changing needs.
💚 Because risk doesn't take a day off — and neither should your peace of mind.

📞 Contact CST Risk Solutions to review your insurance cover today.

14/10/2026

🚗 𝗬𝗢𝗨𝗥 𝗖𝗔𝗥 𝗛𝗔𝗦 𝗖𝗛𝗔𝗡𝗚𝗘𝗗 𝗜𝗡 𝗩𝗔𝗟𝗨𝗘 — 𝗛𝗔𝗦 𝗬𝗢𝗨𝗥 𝗖𝗢𝗩𝗘𝗥?

Your vehicle's value doesn't stay the same forever, but when last did you review your car insurance?

💡 Here's something worth knowing:

As your vehicle ages, its market value may decrease — but your insurance premium won't necessarily decrease at the same rate.

It's important to understand:

✅ 𝐑𝐞𝐭𝐚𝐢𝐥 𝐯𝐬 𝐌𝐚𝐫𝐤𝐞𝐭 𝐕𝐚𝐥𝐮𝐞 – Know how your vehicle is insured and what this means for a potential claim.

✅ 𝐘𝐨𝐮𝐫 𝐄𝐱𝐜𝐞𝐬𝐬 – Understand how much you'll need to contribute when claiming.

✅ 𝐘𝐨𝐮𝐫 𝐏𝐫𝐞𝐦𝐢𝐮𝐦 – Make sure you're paying for cover that still suits your needs.

✅ 𝐘𝐨𝐮𝐫 𝐏𝐨𝐥𝐢𝐜𝐲 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬 – Check whether your cover, limits and optional extras remain appropriate.

🛡️ Don't wait until claim time to discover what your policy really covers.

At CST Risk Solutions, we can help you review your vehicle insurance and explore cover options suited to your needs.

📞 Contact CST Risk Solutions for an insurance review.

Cover is subject to policy terms, conditions and exclusions.

07/10/2026

𝗨𝗻𝗱𝗲𝗿𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗮𝗻 𝗖𝗼𝘀𝘁 𝗬𝗼𝘂

Being insured doesn’t always mean being fully covered.

If your home, business, contents or assets are insured for less than their true replacement value, you could be underinsured. When it’s time to claim, this may mean receiving only a portion of the amount needed to repair or replace what you’ve lost.

With rising building costs, equipment prices and inflation, insurance values can quickly become outdated.

Don’t wait for a claim to discover the gap.

Review your sums insured regularly and make sure your cover reflects today’s replacement costs.

CST Risk Solutions
Protecting what you’ve worked hard to build.

05/10/2026

𝗖𝗢𝗨𝗟𝗗 𝗬𝗢𝗨𝗥 𝗕𝗨𝗦𝗜𝗡𝗘𝗦𝗦 𝗦𝗨𝗥𝗩𝗜𝗩𝗘 𝗔𝗡 𝗨𝗡𝗘𝗫𝗣𝗘𝗖𝗧𝗘𝗗 𝗦𝗛𝗨𝗧𝗗𝗢𝗪𝗡?

A fire, flood, storm or other insured event could bring business operations to a sudden halt.

But while your doors are closed, your financial obligations may continue.

Business Interruption Insurance can help protect your business against the financial impact of downtime following a covered event, including selected loss of income and ongoing expenses while you work towards recovery.

Your assets may be insured — but what about the income your business depends on?

🛡️ Protect your business.
📈 Protect your cash flow.
🤝 Plan for the unexpected with CST Risk Solutions.

Cover is subject to the applicable policy wording, limits, exclusions and insured events.

30/09/2026

MONTH-END CHECK ✔️

Before you close off the month, take a moment to check that your insurance cover still matches your current needs.

Have you recently:
🏠 Added or upgraded valuable items?
🚗 Changed or added a vehicle?
🏢 Purchased new business equipment?
👥 Taken on additional staff or expanded operations?
🔐 Increased your cyber or liability exposure?

Small changes can create unexpected gaps in cover.

A quick review today could prevent a costly surprise tomorrow.

Speak to CST Risk about reviewing your personal or business insurance needs.

CST Risk
Protecting what matters. Managing the unexpected.

FSP 12465

28/09/2026

🔐 CYBER RISK IS BUSINESS RISK

Cyber incidents can disrupt operations, expose sensitive information and lead to unexpected financial losses.

For businesses that rely on email, cloud-based systems, online payments or customer data, cyber insurance can form an important part of a broader risk-management strategy.

The right cover may help protect your business against certain costs associated with cyber events, including data breaches, system interruptions, recovery expenses and liability exposures — depending on the policy and its terms.

Don’t wait for a cyber incident to expose the gaps in your protection.

Speak to CST Risk Solutions about reviewing your business risks and whether cyber insurance is appropriate for your needs.

27/09/2026

🎉 Happy Birthday, Johann! 🎉

Today we celebrate our Commercial & Business Insurance Specialist, Johann — someone who is passionate about his clients, always willing to go the extra mile, and firmly believes in putting clients first.

When he’s not helping businesses find the right insurance solutions, you’ll most likely find him on the water with a fishing rod in hand 🎣 or enjoying a round of golf ⛳.

Johann, may the year ahead bring you plenty of successful days, great catches, memorable rounds of golf and, most importantly, many reasons to celebrate.

We wish you a very Happy Birthday! 🥳🎂

Here’s to another year of great cover, great adventures and great memories!

24/09/2026

🇿🇦 HAPPY HERITAGE DAY, SOUTH AFRICA!

Today we celebrate the cultures, traditions, stories and communities that make our country uniquely South African.

At CST Risk Solutions, we believe that protecting what matters goes beyond assets and businesses — it’s also about safeguarding the people, legacies and futures we work so hard to build.

May this Heritage Day be a celebration of where we come from, what brings us together and the future we continue to build.

Happy Heritage Day from the CST Risk Solutions team. 🇿🇦

23/09/2026

✈️ 𝑺𝑪𝑯𝑶𝑶𝑳 𝑯𝑶𝑳𝑰𝑫𝑨𝒀 𝑺𝑨𝑭𝑬𝑻𝒀 𝑺𝑻𝑨𝑹𝑻𝑺 𝑩𝑬𝑭𝑶𝑹𝑬 𝒀𝑶𝑼 𝑳𝑬𝑨𝑽𝑬

With the school holidays around the corner, many families will be heading away for a well-deserved break.

Before you leave, take a few simple steps to help protect your home, vehicle and belongings while you are away.

ℍ𝕠𝕝𝕚𝕕𝕒𝕪 𝕊𝕒𝕗𝕖𝕥𝕪 𝕋𝕚𝕡𝕤:
✅Lock all doors, windows and gates securely
☑️Set your alarm system and outdoor lighting
✅Ask a trusted neighbour or family member to keep an eye on your property
☑️Avoid posting your travel plans in real time on social media
✅Make sure your vehicle is road-trip ready
☑️Keep valuables out of sight and important documents in a safe place
✅Check that your insurance cover is up to date before travelling

A little preparation can go a long way in giving you greater peace of mind while you enjoy your holiday.

Travel smart. Stay safe. Enjoy the break.

For advice on protecting what matters most, speak to CST Risk Solutions.

Address

Port Elizabeth
6070

Opening Hours

Monday	08:00 - 17:00
Tuesday	08:00 - 17:00
Wednesday	08:00 - 17:00
Thursday	08:00 - 17:00
Friday	08:00 - 17:00

Telephone

+27677752532

Website

facebook.com

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