Partner Risk Solutions

07/05/2026

📊 Loss history tells a far more important story than many realise.

A clean claims record does not always mean a well-managed risk, and recurring low-severity losses may point to deeper operational or governance concerns.

In our latest blog, Gareth Baines explores how underwriters interpret frequency, severity, trajectory and behavioural patterns within loss experience, and why context matters just as much as the numbers themselves.

Read the full article here: https://partnerrisk.com/partner-risk/loss-experience-analysis-underwriting/

Loss experience analysis helps underwriters identify claims trends, operational risks, frequency patterns and severity exposures in commercial insurance.

06/05/2026

⚠️ Many losses can be reduced long before a claim is ever submitted.

Strong risk management starts with identifying vulnerabilities early, improving controls, and making informed decisions before issues escalate.

PARTNER RISK supports Brokers with practical insight that helps their clients strengthen resilience, improve placement quality and reduce avoidable exposures.

💡 Good advice today can make a measurable difference tomorrow.

☎ +27 87 742 3037 | 📧 [email protected] | 🌐 www.partnerrisk.com

01/05/2026

🛠️ Today we recognise the people whose skill, discipline and commitment keep South Africa’s economy moving.

From factory floors to office teams, transport networks to professional services, progress is built by people who show up and deliver every day.

We also acknowledge the Brokers, underwriters, assessors, administrators and support teams helping businesses protect what they have built.

👏 Your work matters, and your contribution is valued.

29/04/2026

Did you know that a business can suffer a full interruption loss even when there is little or no physical damage to its own premises?

Events such as supplier failure, utility disruption or restricted access can halt operations entirely, despite the insured property remaining intact.

For Insurance Brokers, this highlights the importance of carefully structuring Business Interruption cover to reflect dependencies across suppliers, infrastructure and access points.

In many cases, the exposure lies beyond the insured site itself.

27/04/2026

Freedom Day is a moment to recognise the progress made in building a country where people can work, grow and create opportunity.

Behind every business are people, families and livelihoods that depend on stability and continuity.
PARTNER RISK supports Insurance Brokers in helping their clients protect what they have built, so that businesses can continue contributing to the broader economy with confidence.

Wishing you a meaningful Freedom Day.

22/04/2026

Well-structured insurance placement starts with a clear view of exposure, not only at renewal stage, but throughout the life of the risk.

PARTNER RISK works with Insurance Brokers to examine the factors that can affect insurer appetite, pricing direction and deductible strength. This may include loss pattern review, dependency exposure, maximum foreseeable loss and practical mitigation planning.

This gives Brokers a stronger platform from which to position their clients for sustainable terms and better long-term outcomes.

☎ +27 87 742 3037 | 📧 [email protected] | 🌐 www.partnerrisk.com

15/04/2026

A well-managed risk portfolio should create value beyond the annual renewal cycle.

Through Guardrisk, PARTNER RISK’s PayBack Undertaking makes provision for up to 5% of annual premium to be directed to approved risk-improvement measures where claims experience remains within the Threshold Claims Ratio.

This can support practical interventions such as surveys, fire mitigation measures and focused training that strengthen the client’s overall risk position.

Where PARTNER RISK is the lead insurer, this creates a clear connection between favourable claims performance and continued investment in loss prevention.

☎ +27 87 742 3037 | 📧 [email protected] | 🌐 www.partnerrisk.com

13/04/2026

For many commercial clients, property risk is tied to far more than the building itself. Stock, installed equipment, utilities reliance and interruption to trading all shape the true exposure.

PARTNER RISK gives Insurance Brokers access to insurance structures that can be tailored to the way a business actually operates. Cover may be arranged to address physical loss or damage, machinery-related exposures, electronic equipment and interruption to revenue following an insured event.

Solutions may be written on an Asset All Risks, Seamless All Risks or Combined Commercial basis, depending on the client’s operating model, sector and loss profile.

Available exclusively through Insurance Brokers.

☎ +27 87 742 3037 | 📧 [email protected] | 🌐 www.partnerrisk.com

08/04/2026

Location is often treated as a basic detail in risk presentation. In practice, it is one of the most decisive factors in commercial underwriting.

In our latest article, we examine how geography, infrastructure, surrounding exposures and accumulation shape underwriting outcomes, often before the asset itself is fully considered.

For brokers, this shifts how risks should be positioned when approaching the market.

Read the full article here: https://partnerrisk.com/partner-risk/location-commercial-underwriting-partner-risk/

Location is the first filter in underwriting. PARTNER RISK explains how geography, infrastructure and accumulation shape commercial risk outcomes.

08/04/2026

When cover is spread across disconnected sections, it can become harder to manage limits, deductibles and policy interpretation in a consistent way.

PARTNER RISK multi-peril Insurance policies allow Insurance Brokers to place core areas of cover within one integrated framework. This can support stronger policy cohesion across related exposures and a more orderly approach to placement.

For clients with layered operations, multiple activities or more than one location, a unified structure can support cleaner administration and better oversight without losing underwriting control.

☎ +27 87 742 3037 | 📧 [email protected] |🌐 www.partnerrisk.com

31/03/2026

Did you know that in the early development of property insurance, insurers operated their own private fire brigades? 🚒

Buildings displayed a metal Fire Mark plaque identifying the insurer providing cover. If a fire occurred and a brigade from a different insurer arrived, assistance was often withheld because the property was not insured with that company. 🔥

Although the industry has evolved significantly, the principle remains relevant. Insurance protection has always been contractual. 📜

For Insurance Brokers, the lesson from history is clear. The strength of protection depends on the clarity of the agreement in place before a loss occurs.