State Owned and Government

With our unrivalled experience in this sector, we provide appropriate cover for your needs. Sub-sectors: Telecommunication | Postal Services | ICT | Development Finance | Parks & Recreation | Armaments Logistics| Armaments Manufacturing & Sourcing | Scientific Research & Development

Indwe is the largest wholly South African owned commercial and corporate risk and insurance broker in the country. Additionally, we have a professional team whose collective experience and expertise in this sector exceeds those of our biggest competitors. This places Indwe Risk Services in the ideal position to provide unique and relevant insurance solutions to state-owned enterprises and local government departments.

Our specialist team will put together an effective insurance strategy to ensure you have all the appropriate cover you need.

AIPL - The simple approach that ensures you have the cover you need as you grow your business

Indwe Risk Services endeavours to simplify the sometimes complex risk identification and evaluation process by using our AIPL approach. This accommodates practically all insurable risks and can be used for any sized company, from a small home-based business to a large multinational organisation. We will ensure you have all the cover you need as your business expands.


  • Fixed or mobile, e.g. buildings versus vehicles
  • Tangible or intangible, e.g. property versus trademarks, designs and patents
  • Owned, operated, leased or borrowed, e.g. contractual conditions
  • Local or international, e.g. statutory considerations


  • Income from trading operations
  • Non-trading income
  • Income from intangible assets
  • Personal income protection of owner(s)
  • Fixed contract purchases
  • Fixed costs
  • Variable costs
  • Non-trading expenditure
  • Alternative suppliers
  • Client dependency


  • Own people, e.g. trade risks, employee fraud, labour-related issues, legal liabilities, employee benefits
  • Third party contractors, e.g. personal injury, complicity with employees, labour-related issues, trade risks
  • Clients/Customers, e.g. dependency, competitive forces, credit risk exposures
  • Suppliers/Service Providers, e.g. dependency, competitive forces


  • Common Law
  • Statutory
  • Indigenous
  • International
  • Contractual
  • Criminal
Want To Know More? / Contact Us Now...