Top 5 Risk Management Strategies


7 insurance tips to get your home winter ready

South Africa’s winter boasts crisp mornings and cozy nights by the fireplace. But along with the beauty comes the potential for weather-related mishaps like burst pipes, fire hazards, and power outages.

To ensure a peaceful and damage-free winter, here are 7 tips to prep your home for the cold in 2024.

1) Review your insurance policy

Does your home insurance policy cover you for all eventualities and possibilities? This includes factors and hazards such as burst pipes, gas cooking accidents, electrical surges damaging appliances, and even weather-related damage. Learn more about Indwe’s home insurance options here.

2) If you don’t have insurance yet, consider starting a policy

There are many different types of insurance. Some of the most common types to start with are home and car insurance. Depending on your policy and the type of cover you choose, you’ll get peace of mind knowing your most valuable assets are covered, no matter what happens.

3) Is your home set up for loadshedding?

During winter there is increased electricity usage which results in straining the grid and loadshedding. You might want to invest in surge plugs to avoid an electricity surge damaging your appliances.

Motivated by a global drive towards renewable energy, many residents are joining the energy revolution and switching to utlising solar panels to get electricity. As solar is a costly investment, it’s key that your homeowner’s insurance is updated to ensure that you are covered for the system, for any damage or events that could cause damage.

4) Gas appliance safety

Gas heaters and cooking appliances are a great alternative to electrical appliances. However, you need to ensure that your gas appliances are safe before using them. In terms of the regulations promulgated in 2009 under the Occupation Health and Safety Act, 85 of 1993, all gas installations must have a Certificate of Conformity. This certificate is incredibly important, especially if you ever need to submit an insurance claim.

5) Check your chimneys

We all love a roaring fire on a chilly winter night. However, neglected chimneys can pose a fire risk. Have your chimney serviced before winter and ensure you use proper fire safety measures. Regular chimney cleaning can prevent fires. Also make sure to check your insurance policy to see if it covers damage caused by a fireplace fire.

6) Don’t let the pipes burst

Burst pipes are a major concern in cold weather. Here in South Africa, ensuring that your taps aren’t dripping and maintaining a consistent indoor temperature becomes even more important. We suggest that you insulate your exposed pipes and know how to shut off the water supply in case of a burst pipe. Also, by closing your windows and doors to keep the heat inside your home, you can minimise the risk of frozen pipes that could burst and cause significant water damage.

7) Maintain your geyser

Burst geysers are common with old geysers that are generally more than 10 years old. Hot water that leaks or spurts out of the geyser can cause serious damage to walls, floors, and furnishings. Take a moment to inspect your geyser or get a qualified professional to inspect your geyser to ensure that it is safe and can supply ample hot water throughout the entire winter.

Enjoy your winter, worry-free

By following these tips and ensuring you have proper insurance coverage, you can enjoy a warm and secure winter in your home.  Remember, prevention is key! 

For a personalised insurance assessment, contact us here.

Indwe is an authorised Financial Services Provider FSP 3425


Importance of COIDA Compliance

In South Africa, the Compensation for Occupational Injuries and Diseases Act (COIDA) plays a vital role in ensuring a safe and secure work environment. It offers crucial financial protection for both employers and employees in the unfortunate event of a work-related injury or illness. This legislation mandates that all South African employers with one or more part-time or full-time workers must register with the Compensation Fund and fulfill annual fee obligations.

Annually, COIDA receives approximately 220,000 claims, highlighting the pressing need for compliance with its regulations. Failing to adhere to COIDA requirements could result in significant financial repercussions. Thus, ensuring compliance with COIDA is not merely advisable but imperative for businesses.

At Indwe, we understand the importance of COIDA compliance. Let’s dive into why COIDA is essential for your business and how it benefits you and your employees.

COIDA Compliance: Not optional, essential

Registering with COIDA and fulfilling your annual obligations is not just advisable, it’s the law. A staggering 50% of South African businesses are estimated to be non-compliant, which can lead to serious consequences.  Non-compliance is a criminal offence, potentially leading to fines or even jail time for business owners.

Peace of mind when accidents happen

Accidents are a fact of life, and the workplace is no exception. COIDA acts as a safety net for both you and your employees. If a work-related injury or illness occurs, COIDA ensures financial compensation is available to cover medical expenses and lost income. This can be a significant financial burden for businesses without COIDA coverage.

Investing in employee wellbeing

COIDA goes beyond legalities. It fosters a culture of safety and security within your company. Knowing they’re covered in case of an accident allows your employees to focus on their work with greater peace of mind. This can lead to increased trust, loyalty, and a happier workforce.

COIDA Benefits: A broad spectrum of protection

COIDA offers a comprehensive range of benefits for both employers and employees:

  • Medical Expenses: COIDA covers the cost of medical treatment for work-related injuries and illnesses.
  • Income Replacement: If an employee is unable to work due to a workplace incident, COIDA provides financial support to help them through this difficult time.
  • Disability Benefits: COIDA offers ongoing support for employees with permanent disabilities caused by work-related accidents or illnesses.
  • Death Benefits: In the tragic event of an employee’s death due to a work-related incident, COIDA can assist the family with funeral costs and ongoing expenses.
  • COIDA Training: Equipping your employees with knowledge of COIDA empowers them to understand their rights and the claims process. This fosters a culture of safety and compliance within your business.
  • Coverage for All: COIDA offers protection for various employee types, including casual laborers, contract workers, and seasonal staff. Understanding how COIDA applies to these individuals helps you avoid any financial risks in case of an accident.

Taking the next step

By ensuring COIDA compliance, you’re not just following the law, you’re investing in a safer, more secure work environment for your employees and peace of mind for your business.

Indwe in conjunction with SHA Risk Specialists can help you by providing a Group Personal Accident policy to cover your employees against injuries on duty, which includes a service to assist you with navigating the COIDA registration process, providing a 24-hour emergency assistance benefit in the event of a serious injury, ensuring that you provide professional assistance in the best interest of your injured employees.

Contact us today to learn more.

Call 0860 13 13 14 or email us at

Indwe is an authorised Financial Services Provider FSP 3425


Keeping your cargo covered: Why your business needs Goods in Transit Insurance

In the transportation and logistics industry, ensuring the safe passage of your cargo is vital for the success of your business. Every journey comes with its own set of risks, from accidents to theft, making it crucial to have comprehensive protection in place. Indwe Risk Services recognises the critical importance of safeguarding your goods against these unforeseen events, that’s why we offer businesses tailored Goods in Transit Insurance solutions designed to provide peace of mind and security, ensuring that your cargo reaches its destination without difficulty.

Indwe’s Goods in Transit insurance provides comprehensive cover for your goods, both locally and across borders. Whether you’re transporting inventory across town or managing complex international shipments, our insurance policy ensures you have peace of mind throughout the entire journey.

Protection against common risks

Get comprehensive protection with our Goods in Transit insurance, providing a wide range of solutions to cover various contingencies:

Accidental damage: Mishaps during transit, such as collisions or handling errors, can result in damage to your cargo. Our insurance policy compensates for financial losses incurred due to accidental damage.

Theft: Theft is a persistent threat in the transportation industry. Our coverage includes protection against theft incidents, ensuring that your business is safeguarded against financial losses resulting from theft.

Natural disasters: From fires and floods to storms and earthquakes, natural disasters can cause extensive damage to goods in transit. Our insurance offers compensation for losses arising from these unexpected events, allowing your business to recover promptly.

Loading and unloading mishaps: Even with careful handling, accidents can occur during the loading and unloading process. Our insurance policy covers these eventualities, facilitating a seamless claims process and minimising disruption to your operations.

Benefits beyond basic coverage

Indwe Risk Services goes beyond just basic coverage. We offer a variety of customisable options to ensure your Goods in Transit insurance policy perfectly meets your specific needs. This may include:

  • Specified perils coverage: This plan offers protection against pre-determined events, allowing you to tailor the insurance to your specific risks.
  • All-risks coverage: For maximum protection, opt for all-risks coverage, which safeguards your cargo against virtually any unforeseen event during transit.
  • Extended coverage: Broaden your policy to include temporary storage during the transportation process.

Your partner in risk management

With our years of experience in the transportation and logistics industry, Indwe Risk Services is your trusted partner in risk management. Our dedicated team of experts will assess your business’s specific requirements and develop a tailored Goods in Transit insurance policy to provide comprehensive protection.

Investing in Goods in Transit insurance with Indwe Risk Services is not just a precautionary measure; it’s a strategic decision to safeguard your business against potential risks and uncertainties. With comprehensive coverage, tailored solutions, and expert guidance, you can rest assured that your cargo is protected throughout its journey. Don’t leave your business vulnerable to the unpredictable nature of transportation risks, partner with Indwe Risk Services and ensure the safety and security of your cargo every step of the way.

Don’t let unforeseen events jeopardise your business success, get in touch with Indwe today to ensure the safety and security of your cargo on every journey. For questions or advice regarding Goods in Transit Insurance, contact us at 0860 13 13 14 or email us at

Indwe is an authorised Financial Services Provider FSP 3425

General Pet Insurance

Choosing the Best Vet for Your Pet

For those of us with furry family members, every day is pet day, but April 11th is extra special as the world takes a pause to celebrate International Pet Day. Apart from treats, grooming and all the squeaky toys you can tolerate, choosing the best vet for your pet is one of the most important decisions you’ll make in caring for your fur family.

Here are the top questions to ask yourself when vetting a veterinarian:

Does the location make sense?

The last thing you want to be doing when your pet has fallen ill is drive forty minutes through traffic to get to the right care. Finding a vet in close proximity to your home is a good idea to ensure that you can get your pet’s medical needs attended to quickly, and without the stress of a long commute.

Is your pet a unique species or special breed?

If you have an exotic pet, a special breed of cat or dog, or even a bird, you may need to find a vet who specialises in exotic animals and birds or has a reputation for treating your special breed.

Are their operating and emergency hours suitable?

When it comes to pet illness and injury, life doesn’t always happen within the conveniences of our schedule. It’s helpful to find a vet practice that’s open during hours that make it possible for you to coordinate check-ups and vaccinations easily. Emergency contact numbers are also important to consider, for unforeseen late-night and weekend incidents.

Do they offer overnight hospitalisation?

Some smaller vet practices may not have the facilities to accommodate your pet for overnight care and observation, or they may have very limited space. When your pet is seriously ill, you’ll want to avoid having to transfer them to a larger practice, which is why it may be wise to choose a vet with ample overnight hospitalisation provisions.

What’s the word out on the street?

One of the perks of living in the digital age is unrestricted access to honest referrals and recommendations. When you’re choosing the best vet for your pet, we suggest that you check online testimonials and reviews, and reach out to friends and acquaintances in the area to find out what vets they can vouch for, as well as those they’d advise against.

What does your instinct tell you?

Over and above location, convenience and expertise, a vet’s bedside manners and how they make you – and your pet feel will help you decide if this is the vet for you. Listen to your instinct and pay attention to how the vet treats your pet and how they address you and your concerns.  

Do they work with pet insurance?

You take out pet insurance because you want to be able to afford the best care for your pet, when they need it most. When you’re choosing the best vet for your family, find out if they work with your pet insurance and what their claim policies are.

To ensure that your pet is treated well during medical emergencies, you’ll want to choose a pet insurance product that provides exceptional cover for major events. Always find out what the policy covers, such as:

  • Diagnostics and treatment for acute illness and injuries, including X-rays, biopsies and medication
  • Cover for chronic conditions, like medication and therapies
  • Treatment for hereditary conditions
  • Cover for rehabilitation, like post-operative care and therapy

Indwe offers you and your family a pet health insurance policy that helps you to provide the best care for your pet, so that you’re not forced to make heartbreaking decision based on crippling vet costs.

For more information visit, or if you have any questions, contact Indwe on 0860 13 13 14 or visit or email

Indwe is an authorised Financial Services Provider FSP 3425