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

GM Financial Services

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GM Financial Services

GM Financial Services is an authorised financial service provider. FSB No: 13628 GM Financial Services has a well established footprint since 2002.

We've assisted more than 600 contractors within the engineering and guarantee insurance market with products from reputable insurers in South Africa. Our sole purpose is to provide our clients with expert personal service, tailor-made for their specific needs at a competitive price. We specialise in the following areas:

Contractors All Risks
Plant All Risks
Commercial Insurance
Liability Insurance
Performance Guarantees via the Insurance Market

22/05/2026

Trade Guarantees
Running a business in the fuel, oil, and related products industry comes with unique challenges especially when it comes to credit and supplier guarantees.

At GM Financial Services, we help businesses stay secure, reduce risk, and grow with confidence. Our focus is on building trust, protecting your credit, and providing solutions that fit your needs so you can focus on what matters most: your business success.
Partner with us and experience the difference of having a trusted financial ally by your side.

📞 011 763 1556 | ✉️ [email protected] | 🌐 www.gmfs.co.za
GM Financial Services – Protecting what matters most
FSP No: 13628

26/03/2026

🔒 What is Joint Names Insurance in Contractor All Risk (CAR)?

When it comes to construction projects, risk is shared — so your insurance should be too.

Joint Names CAR Insurance covers all key parties under one policy:
✔ Principal
✔ Contractor
✔ Sub-Contractors
✔ Other directly involved parties

Why choose Joint Names CAR Policies?

✅ Protects all legal parties involved
✅ Minimises contractual insurance disputes
✅ Fulfils mutual insured obligations
✅ Ensures shared insured status
✅ Creates a safer, more secure contract environment

Avoid costly conflicts and gaps in cover — make sure everyone is protected under one policy.

📞 011 763 1556
🌐 www.gmfs.co.za

GM Financial Services – Protecting what matters most
FSP No: 13628

20/03/2026

🚧 Build with Confidence. Build with Protection. 🏗️

At GM Financial Services, we understand that every construction project comes with risk — that’s why our Construction Insurance Services are designed to keep you secure every step of the way.

From Advance Payment Guarantees to Performance Guarantees, Retention Guarantees, and Bid Bonds, we ensure your project is backed by financial security and peace of mind.

✅ Protect your investment
✅ Minimise financial risk
✅ Deliver projects with confidence
📞 Contact us today: 011 763 1556

🌐 Visit: www.gmfs.co.za

📌 FSP No: 13628

17/03/2026

🏗️ Construction Insurance Services You Can Rely On

Since 2002, GM Financial Services has built a strong reputation for helping businesses protect their projects and operations with the right insurance solutions.

Our experienced insurance brokers assist clients with:
• Engineering Insurance
• Construction Guarantees
• Commercial Insurance
• Specialised Insurance

Why choose GM Financial Services?

✔ Personalized coverage recommendations tailored to your business
✔ Competitive rates from trusted insurance carriers
✔ Friendly, knowledgeable local agents ready to assist

Protect your projects, your equipment, and your business with insurance designed for the construction industry.

Contact us today
📞 011 763 1556
🌐 www.gmfs.co.za

📍 734 Helena St, Discovery

11/03/2026

UNDERSTANDING THE MAINTENANCE PERIOD IN CAR INSURANCE 🏗️🔍

Construction risks don’t stop at completion 🚧.
Some of the most costly losses happen after handover, during the maintenance (defects liability) period ⚠️.

A properly defined maintenance period in your Contractors All Risks (CAR) Insurance helps protect you from unexpected damage or defects that arise after construction 🛠️—as long as it aligns with your contract 📄.

✅ Cover continues beyond completion
✅ Protection against post-handover risks
✅ Peace of mind when it matters most 🤝
Make sure your policy works with your contract—not against it ✔️

GM Financial Services
🧾 FSP No. 13628
📞 011 763 1556
🌐 www.gmfs.co.za

🏢 👷‍♂️ 🛠️ 📊

04/03/2026

Choosing the right Contractors All Risks (CAR) Policy can make a big difference in how your construction projects are protected and managed. 🏗️🛡️

Many contractors still rely on once-off CAR policies, which cover only a single project and require a new policy every time a new job starts. While this may work for occasional projects, it often creates more admin, delays, and can even impact cashflow when multiple projects are running. 📄💸

An Annual CAR Policy, on the other hand, is designed for contractors who work on multiple projects throughout the year. It provides continuous cover for multiple projects over a 12-month period, automatically extending protection to new work as it begins. This means less paperwork, easier management, and reduced risk of gaps in coverage. 🔄📊

If your business regularly takes on new projects, an annual policy could save time, simplify your insurance management, and ensure your operations remain fully protected. ✅

Not sure which option is best for your business? The team at GM Financial Services can guide you through the best solution based on your specific projects and risk profile. 🤝

📞 Contact GM Financial Services today for expert advice:
🌐 gmfs.co.za
☎️ 011 763 1556
📋 FSP No. 13628

🏗️📈

12/02/2026

🏗️ Professional Construction Insurance 🏗️
Your Specialist in Construction Guarantees & Related Short-Term Insurance Broker Services

At GM Financial Services, we offer comprehensive solutions to protect your construction projects at every stage.
✔️ Construction Insurance
✔️ Advance Payment Guarantees
✔️ Performance Guarantees
✔️ Fuel Guarantees

Secure your contracts. Protect your cash flow. Build with confidence.

👉 Visit us for more: www.gmfs.co.za
📞 Contact us: 011 763 1556

28/01/2026

🏗️ PERFORMANCE GUARANTEES
GM Financial Services – Securing Your Construction Contracts in South Africa
A Performance Guarantee is a vital contractual safeguard that protects employers if a contractor fails to meet the terms of a construction contract—ensuring quality, timelines, and obligations are upheld.

🔑 Key Frameworks & Requirements

✔ Governed by GCC, JBCC, NEC & FIDIC
✔ Required before work commences
✔ Typically valued at 5%–10% of the contract price
✔ Valid until project completion and the defects liability period

👥 Key Parties Involved
✔ Employer/Principal – requires the guarantee
✔ Contractor – provides the guarantee
✔ Insurer/Bank – issues the guarantee

🤝 How GM Financial Services Helps
We simplify the process by facilitating performance guarantees with reputable insurers:

✔ Contract agreement
✔ Application submission
✔ Insurer assessment
✔ Approval
✔ Guarantee issued

Secure your next construction contract with confidence.
FSP NO:13628
📞 011 763 1556
🌐 www.gmfs.co.za

20/01/2026

🚧 Contractors All Risk(CAR) | GM Financial Services 🚧
Protect the heart of your construction project with GM Financial Services’ Contract Works Section of the Contractors All Risk (CAR) Insurance Policy — the core protection every build needs.
This essential cover safeguards your project from start to handover, ensuring sudden and unforeseen physical loss or damage doesn’t derail your timelines or cash flow.

🔒 What’s Covered?

✔️ Works in progress – from foundations to final finishes
✔️ Temporary works like formwork and supports
✔️ Free-issue materials supplied by the employer
✔️ Materials stored on-site
✔️ Approved off-site storage awaiting delivery

⚠️ Protection Against:
🔥 Fire, explosion & lightning
🌪️ Storms, floods, wind & hail
🚜 Accidental & impact damage
🏗️ Collapse of completed or partially completed structures
🔧 Theft & malicious damage (subject to policy terms)

💡 Why it matters:

One unexpected event can cause costly delays, cash flow strain, and penalties. Contract Works cover ensures you have the financial backing to repair, replace, and keep your project moving forward with confidence.

👉 Learn more about this vital construction insurance solution:

🌐 www.gmfs.co.za

GM Financial Services – protecting your projects, protecting your peace of mind.

05/01/2026

Protect Your Project. Protect Your Peace. 🏗️🛡️
GM Financial Services is proud to showcase Contractors All Risk (CAR) Insurance — essential protection for construction projects from start to final handover.

What CAR Insurance Covers:
✔️ Physical damage to works in progress
✔️ Construction materials (including free-issue materials)
✔️ Specified off-site storage
✔️ Third-party liability for injury, death, or property damage
✔️ Fire, storm, flood, theft & unforeseen events
✔️ Maintenance / defects liability period after handover

Construction sites are unpredictable. Without the right cover, a single incident can derail timelines and profitability.

Flexible Policy Options:
🔹 Annual Blanket Policies – ideal for contractors managing multiple projects
🔹 Project-Specific Policies – tailored for large, high-value, or complex builds

Why Choose GM Financial Services?
⭐ Specialist construction insurance expertise
⭐ Tailored CAR solutions aligned to your contracts
⭐ Competitive premiums & fast turnaround times
⭐ Dedicated claims support from incident to settlement
⭐ Clear, practical guidance you can trust
Build with confidence. We’ll handle the risk.

📞 Contact GM Financial Services today to secure the right CAR cover for your next project.
www.gmfs.co.za
011 763 1556

Address

734 Helena Street
Roodepoort
1709

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 - 16:30

Telephone

011 7631556

Website

http://www.gmfs.co.za/

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