Inscorp Insurance Brokers
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Inscorp Insurance Brokers helps South African businesses structure commercial insurance before claims.
We provide insurance solutions for SMEs, transport and logistics companies, fleet operators, and commercial property owners. With over 120 years combined experience in the Commercial Insurance industry, you can rest assured, you’re in good hands. We believe every business is unique with its own set of challenges and therefore should be looked at individually to find a solution which suits your business needs
10/06/2026
The risk always feels distant… until it becomes yours.
According to a report by MyBroadband, personal records of more than 88,000 South Africans linked to Cannabis Club Systems were exposed online, including scanned IDs and passports.
But this is not only a cannabis story.
It is a data-risk story.
Every business that collects personal information carries responsibility. ID copies, driver’s licences, employee records, client forms, proof of address documents, vehicle details and financial information all need to be protected.
When personal information is exposed, the consequences can affect trust, reputation, compliance, business continuity and recovery costs.
Cyber risk is no longer only a “big company problem”. SMEs, logistics companies, retailers, professional practices and service providers also collect and store sensitive information every day.
Business owners should ask:
What personal information do we collect?
Where is it stored?
Who has access to it?
What would we do if it was exposed?
Insurance cannot prevent a cyber incident.
But the right cyber cover can support the response, including investigation costs, legal guidance, notification costs, crisis support and recovery assistance, depending on the policy wording.
Cyber security, data privacy and business resilience are now part of responsible business planning.
Inscorp Insurance Brokers
Inscorp is an authorised FSP: 43796
Contact us for professional assistance.
www.inscorp.co.za
012 661 3007
[email protected]
Is the load insured, or is your liability insured?
In transport insurance, Goods in Transit and Carrier’s Liability are often confused, but they do not always respond in the same way.
Goods in Transit generally deals with cover for the goods being transported, subject to the policy wording, limits, conditions and the contract between the parties.
Carrier’s Liability deals with the transporter’s legal liability for loss or damage to goods belonging to someone else. This is where Standard Trading Conditions often become important, as they may help define and limit liability.
Before a load moves, it is important to check:
What the contract says about responsibility for the goods
Whether Standard Trading Conditions apply
Whether liability has been accepted beyond the policy cover
Whether the load limit is sufficient
Whether another transporter or subcontractor is involved
Whether Contingent Liability should be considered
Inscorp Insurance Brokers assists South African transport and logistics businesses with practical guidance around Goods in Transit, Carrier’s Liability, Standard Trading Conditions and Contingent Liability.
Inscorp is an authorised FSP: 43796
Contact us for professional assistance.
www.inscorp.co.za
012 661 3007
[email protected]
Transport Insurance and Subcontracting
When a load is subcontracted, it is important to understand how the insurance policy and transport agreement work together.
Some Goods in Transit or transport-related policies may allow subcontracting, but only once. If that subcontractor appoints another transporter again, the original cover may no longer respond.
Before a load moves, transport businesses should check:
Whether subcontracting is allowed
Whether the first subcontractor is allowed to appoint another transporter
Who is responsible for the goods
Whether the load limit is sufficient
Whether the contract creates open-ended liability
Whether Contingent Liability cover should be considered
A signed contract is important, but the wording matters.
The insurance should match the way the transport operation actually works.
Inscorp Insurance Brokers assists transport and logistics businesses to review these risks before a claim happens.
Inscorp is an authorised FSP: 43796
Contact us for professional assistance.
www.inscorp.co.za
012 661 3007
[email protected]
Is Your Business Hiding Inside Your Personal Insurance?
Many small businesses start from home, at the dining room table, in a spare room, from the garage, or with a personal vehicle being used for business errands.
As the business grows, the insurance risk can change.
Business stock, tools, laptops, equipment, client items, deliveries, or regular business use of a vehicle may not always be treated the same as normal personal use.
A home contents policy may also need to be reviewed if stock is stored at home, clients visit the premises, or part of the home is used for income-generating activities.
This does not mean every small business owner needs a complicated commercial policy. In some cases, a combined personal and business insurance solution may be worth considering. In other cases, separate personal and commercial policies may still be more suitable.
The important part is to review the risk properly and not assume that personal insurance automatically covers business activities.
At Inscorp Insurance Brokers, we help small business owners understand where personal and business risks may overlap.
Inscorp is an authorised FSP: 43796
Contact us for professional assistance.
www.inscorp.co.za
012 661 3007
[email protected]
27/05/2026
Your goods are on the road… but who is responsible for them?
When goods leave your premises, the journey may involve more than one party.
There may be a cargo owner.
A transporter.
A subcontractor.
A driver.
A loading point.
A delivery point.
And a set of documents that may become very important if something goes wrong.
This is why Goods in Transit insurance should not only be seen as “the load is insured.”
It is important to understand who is responsible for the goods while they are being transported, what agreement is in place, and whether the policy wording matches the way the transport is actually being done.
This becomes even more important where subcontractors are used.
Before goods are transported, it helps to ask:
* Is there a clear agreement between the cargo owner and the transporter?
* Does the transporter’s policy allow the use of subcontractors?
* Does the subcontractor have suitable cover in place?
* Are there route, tracking or security requirements?
* What documents may be needed if there is a loss?
* Where could Contingent Liability apply if another party’s cover is insufficient?
It is not enough to know that cover exists.
You need to understand how that cover responds.
In transport insurance, the responsibility behind the load can matter just as much as the load itself.
Inscorp Insurance Brokers is an authorised FSP: 43796.
Contact us for professional assistance.
www.inscorp.co.za
012 661 3007
[email protected]
25/05/2026
The storm may pass… but the admin can feel endless
When severe weather hits, most of us first look at the visible damage.
The leaking roof.
The water coming through the ceiling.
The damaged gate.
The fallen tree branch.
The wet carpets.
The damaged stock or equipment at a business premises.
But once the weather clears, the insurance process often begins.
This is where clear information can make such a difference.
Whether it is your home, vehicle, contents, small business or commercial property, it helps to keep record of:
* Photos of the damage
* When the damage happened
* What emergency steps were taken
* Invoices or quotes for urgent repairs
* Maintenance records, where available
* Any damage to contents, stock, equipment or business operations
In personal lines, this may affect your home, household contents, vehicles, gates, walls, outbuildings or electronic items.
In commercial insurance, it may also affect stock, machinery, access to the premises, deliveries, income, business interruption and the costs involved in keeping the business running.
This is why knowing what to expect makes the claims process so much easier.
A broker’s role is not only to report the claim, but also to help guide the process, explain what information may be required and assist with communication between the client, insurer, assessor and service providers.
The storm may pass.
But the recovery process may continue long after the weather has cleared.
Contact us for professional assistance.
www.inscorp.co.za
012 661 3007
[email protected]
Inscorp Insurance Brokers is an authorised FSP: 43796.
19/05/2026
𝗪𝗵𝗲𝗻 𝗘𝘃𝗲𝗿𝘆𝗼𝗻𝗲 𝗜𝘀 𝗖𝗹𝗮𝗶𝗺𝗶𝗻𝗴 𝗔𝘁 𝗢𝗻𝗰𝗲
After floods, storms or disasters, claims systems come under pressure fast.
Assessors, repairers and suppliers are overloaded, which is why proper documentation matters.
Before cleaning or repairing:
✔ Take photos & videos
✔ Record damaged items
✔ Keep invoices & proof of ownership
✔ Document temporary repairs
A broker helps guide the process, ensure the correct information is submitted, and keep communication moving when the system is under pressure.
Because after a disaster, a claim is more than paperwork, it’s about getting your business back on its feet.
Contact us for professional assistance.
www.inscorp.co.za
012 661 3007
[email protected]
18/05/2026
A flood doesn’t care what your policy schedule says.
The Eastern Cape has faced devastating floods before, and again we are seeing roads collapse, bridges washed away, vehicles overturned and businesses brought to a standstill.
The real risk is often not only the damage to your building or vehicle.
It’s the interruption afterwards.
* Suppliers can’t reach you
* Fleets can’t move
* Deliveries stop
* Staff can’t get to work
* Infrastructure fails
For many businesses, survival depends on more than repairing physical damage.
Insurance should never be treated as a document filed away once a year.
It should form part of your business continuity and risk planning.
Because risk usually builds quietly long before the storm arrives.
Contact us for a professional risk assessment.
www.inscorp.co.za
012 661 3007
[email protected]
05/03/2026
When assumptions are tested.
(Consequences without fear-mongering)
In transport and logistics, assumptions often hold until something goes wrong.
That’s usually the moment when contracts are examined, insurance responses are tested, and responsibility is questioned. What felt clear before the incident can quickly become uncertain once liability needs to be established.
Contingent exposure isn’t about expecting failure, it’s about understanding how responsibility may shift when arrangements are put under pressure.
Clarity before an incident often makes all the difference afterwards.
Learn more: https://www.inscorp.co.za/cargo/
Get a Quote:
www.inscorp.co.za
012 661 3007
[email protected]
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54 Phyllite Avenue
Centurion
0157
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| Monday | 08:00 - 16:30 |
| Tuesday | 08:00 - 16:30 |
| Wednesday | 08:00 - 16:30 |
| Thursday | 08:00 - 16:30 |
| Friday | 08:00 - 15:30 |