One day we will be your broker.

Our Key Offerings

Commercial Insurance

We understand the intricacies of the plethora of products available to today’s businesses and are able to guide you to a solution that meets your own unique needs.

Risk Transfer Solutions

We employ Risk Transfer Techniques as a solution to managing some of the risks facing the larger business, enabling them to deal with these risks in a structured & workable way. This method of handling risk, takes full advantage of the potentially huge savings available to businesses who have the ability to manage and absorb some risk.

CYBER CRIME/LIABILITY

Cyber Crime includes data kidnapping and ransom and is on the increase in South Africa making all companies, large and small, vulnerable to online security threats. This problem will be exacerbated by the Protection of Personal Information Act which will force companies to introduce adequate safeguards against the loss of customers personal information, or face large fines. We can guide you in selecting the most appropriate form of cover for your business.

Royal Union Insurance Brokers

Motor Insurance

We provide protection against the financial loss you could face following damage to your motor vehicle in an accident or it’s loss as a result of theft or hijacking. Your legal liability for compensation to a third party for damage to property of death or injury is also taken care of.

Marine/Transit Insurance

Whether you’re an importer, exporter, or just moving goods around the city, you need transit insurance to protect you, in case the unexpected takes place.

PERSONAL INSURANCE

Individually designed insurance portfolios that provide protection for your personal assets and Liabilities.

01

Analyse

No one can give advice without a thorough analysis and understanding of your needs. We believe this exercise is the cornerstone of a sound Insurance/Risk Transfer portfolio.

02

Portfolio Design

No business is quite like your business. Your portfolio must be designed to suit your needs, considered as uniquely as your business.

03

Manage Risk

The management of risk, is the single most important factor in containing insurance costs. We’ll help you to develop a Risk & Insurance Philosophy to enable you to effectively manage the risks your business is exposed to.

04

Sustainability

Your Insurance/Risk Transfer Portfolio must be sustainable. We understand cost is an important factor for any business, but cheap premiums often result in the most expensive cover when you discover it’s restrictive nature when something unexpected goes wrong.

Quality Insurance

Claims: What to do?

Effective Assistance

There's no one size fits all

The purpose of Risk Transfer and Traditional Insurance is to smooth out the potential financial impact of a possible future incident with predictable, fixed contributions.

Our tailored Risk Transfer portfolios are designed to best meet your unique business needs and if that means premiums are thereby reduced, that’s fine! Our job is to ensure you Risk Transfer costs are reduced as low as possible without compromising your security.

To ensure there’s no conflict of interest (because broker remuneration has for years been expressed as a percentage of premium), we charge a fee and sometimes a combination of a fee and commission, agreed and disclosed upfront, so out earnings are not affected by premium reductions.

WE AIM TO GROW OUR COMPANY, BY PROVIDING QUALITY SERVICE AND CONSISTENTLY ADHERING TO THE PRINCIPLE OF “BEST ADVICE”, FOR OUR CLIENTS, OUR EMPLOYEES, OUR SHAREHOLDERS AND THE COMMUNITY IN WHICH WE LIVE AND WORK

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We’re into calculated risk, not reckless behavior.