Transport and Automotive

Specialised cover that protects you from risk when you’re on the road.

As a business in the transportation industry you’re exposed to many risks, not just with regards to your vehicles and drivers, but also the goods you transport. Speak to Indwe Risk Services for an effective insurance strategy on how best to protect yourself from these risks.

Our extensive range of transportation cover includes: own damage, loss of income, drivers' personal accident, drivers' criminal defence costs, third party liabilities, carriers' liabilities, motor traders' liabilities, fare paying passenger liabilities, car hire liabilities, goods in transit and more.

You can count on our specialist transportation insurance team to put together a tailor-made insurance strategy that protects your from legal and financial liability, so you can keep your business on the road to success.

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
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