Chadwicks Risk and Insurance Brokers

Are you on insurance autopilot?

Most businesses review the insurance premium and move on. But renewal is the time to check whether your cover still matches your risk and whether you are getting value for money.

Avoid insurance autopilot. Would you get on a plane if AI is the pilot? Speak to the professionals, you need a proper Risk Advisor to help you make informed insurance decisions. And remember, a risk advisors' services come at no cost.

Here is one thing to look out for:

🚩 Emerging Risk Exposures: New technology, climate impacts, AI, evolving operations. Policy language takes time to catch up with changing risk.

Read here on other Renewal Red Flags: https://zurl.co/W8ZJj



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What if your dream trip ended before it even began?

Imagine this: bags packed, passport ready and then an unexpected call that changes everything.

You remember ticking that travel insurance box, but was it the right box or just the convenient one?

And when a medical emergency happens overseas and the hospital abroad wants payment upfront, who steps in?

⚠️ The real risk is not no cover at all, but thinking you had enough, when you did not.

The difference often comes down to a detail you never even knew to check. Rather use a professional risk advisor to help you, they do not cost you a cent more.

From trip cancellation to medical aid overlap, missed connections and even liability abroad, we unpack it all. Read more here: https://zurl.co/VK4qC



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Consider this: A R10 million shipment arrives intact, yet release is blocked until you pay for another shipper’s loss.

More “What if's” and things to consider:

❌Your CIF policy expired at the port, leaving hijack prone inland transport completely uninsured

❌“All Risks” often excludes delay, poor packing, extended storage and even VAT, unless declared correctly

❌Cross voyages, fragile goods, war risk zones and commodity exclusions that can cause claim headaches

Marine cargo risks are only at sea or in the air. It is also about what happens before and after.

✅ You need an experienced risk advisor in your corner.

Read more here: https://zurl.co/VtUu3



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Jeremy Clarkson’s pub, The Farmer’s Dog, was hacked. £27,000 (over R600 000) was stolen straight out of their accounting system.

If it can happen to a pub in the Cotswolds (owned by one of the most recognisable faces in motoring journalism), it can happen to any business.
Here is the South African reality:

✅ One in three SMEs has already been hit by cybercrime
✅ Local businesses lose R2.2 billion every year
✅ We rank third globally on the Cyber Exposure Index

Why SMEs? Hackers know smaller businesses often lack the defences of big corporates. That makes you the low hanging fruit.

Attacks across Southern Africa have surged roughly 76%. AI has made them smarter, faster and harder to spot.

These are some of the tactics used by AI:
✅ Phishing emails in flawless multiple languages
✅ Automated vulnerability scans running 24/7
✅ Personalised scams that feel “too real” to ignore

A single breach can stop operations, damage reputation and result in substantial financial loss.

Three actions you can take today:
Turn on multi-factor authentication for all accounts
Run a phishing simulation and a cyber vulnerability scan
Create or review your cyber incident response plan

This is not just an IT problem. It is a business survival problem. And it is why cyber insurance must be part of your risk strategy, especially if you store any personal data. The liability implications can be financially devastating.

The critical question is:
👉 What would a cyber attack cost your business?

Do not wait for your own R600,000 wakeup call.
Read more on Cyber Risks here: https://zurl.co/oDrNV



Chadwicks is an Authorised Financial Services Provider