Forum Makelaars Bela-Bela / Forum Brokers Bela-Bela

24/04/2026

Boere! Is jou dekking uitgebrei om verspreiding van brande onder Aanspreeklikheid in te sluit?
Praat met ons. [email protected] of [email protected]

03/04/2026

Blessed Easter.
Geseënde Paasfees.

01/04/2026

Don't joke around with your insurance!

25/03/2026

Interesting article to read. CIA Building Insurance Specialists

Examples of Liability claims - Part 2

In Part 1 of this newsletter, we looked at the concept of liability and what constitutes legal liability.

In this newsletter we are going to look at some practical examples of potential liability claims.

Let's look at some examples:

Slip & trip incidents:

A resident slips on a wet entrance floor with no warning signage and fractures an arm. The body corporate or building owner may be held liable for medical expenses if reasonable precautions weren't taken.

Gate malfunctions:

A gate suddenly malfunctions and closes on a vehicle or person. Injuries or damage caused by building equipment that the building owner or body corporate is responsible for maintaining may result in claims.

It is important to note, however, that if a gate sensor (or similar safety mechanism) was functioning correctly and maintained appropriately, but fails unexpectedly for the first time, this does not automatically give rise to liability. Each incident must be considered on its own merits, taking into account whether there was any negligence in maintenance, inspection, or response to prior issues.

Poorly maintained common areas:

Uneven paving, potholes, broken handrails, inadequate lighting may lead to trips or injuries. If the hazard was known - or should reasonably have been known, the building owner or body corporate may be held liable.

In Part 3 of this newsletter, we will look at some preventative measures to reduce your liability risk.

25/03/2026

Happy International Maths day 2026

05/03/2026

Definitely a good read!
Liability Claims in Building Insurance.Thank you CIA Building Insurance Specialists

Liability Claims in Building Insurance - Part 1

Over the next few newsletters we will be focusing on liabilty in respect of our building policies.

In Part 1 we will look at the concept of liability relating to building insurance.

Liability claims arise when a third party (for example a visitor, contractor, tenant or neighbour) suffers injury or property damage and holds the body corporate or building owner legally responsible.

Important to remember - the mere fact that an incident occurs on the insured property does not automatically make the body corporate or building owner liable.

Simply put, for the claim to succeed, the person bringing the claim must show that:
someone did something, or failed to do something they should have,
the action (or inaction) was wrong,
the person was careless or at fault,
the action (or inaction) directly led to the loss or damage
there was real harm, like property damage or personal injury.

In Part 2 of this newsletter we will look at some examples of potential liability claims.

04/03/2026

The office team is trying out their new Middelman Vellies!

25/02/2026

𝗕𝗔𝗜𝗘 𝗗𝗔𝗡𝗞𝗜𝗘: Laerskool Warmbad se Graad R-klas sê dankie aan Morkel Booyse van Forum Makelaars Bela-Bela vir die pragtige Graad R-T-hemde.

𝗧𝗛𝗔𝗡𝗞 𝗬𝗢𝗨: The Grade R class of Laerskool Warmbad would like to thank Morkel Booyse from Forum Brokers Warmbad for the beautiful T-shirts.

20/02/2026

Staff participating in Flip Flop Day 2026 in support of the Childhood Cancer Foundation SA

26/01/2026

Laerskool Warmbad se Graad R - 3 personeel begin die jaar positief.
Elkeen is toegerus met ‘n Santam kalender geskenk deur hul Middelman - Morkel Booyse.

04/12/2025

Vandag verjaar ‘n baie spesiale persoon in ons besigheid. ‘n Staatmaker,Planmaker, Vasbyter( meer as 16jr al…)Harde werker en net ‘n lekker mens om mee saam te werk.Baie Geluk met jou verjaarsdag Lizaan!Ons bid jou net die beste toe!

17/10/2025

We offer more than just sound advice;we also give back through blood donations. Alayna Brits & Marco Booyse of our office join in the privilege of donating blood at the SANBS.