A company with heart
At IntegriSure, we’ve earned a reputation for putting the client first in everything we do. This is partly because we’re a company with heart, but it’s also thanks to our longevity and experience in the industry.
Over many years, we’ve enjoyed the support and loyalty of South Africa’s top insurers. This enables us to choose partners who meet our high standards when it comes to claims philosophies and client-centric product solutions.
Our Values
What drives us
Values are nice to have. But they’re only meaningful for you, the client, when you can measure us against them. Because our values are people, integrity and quality, here’s what you can expect from IntegriSure:
- We compare options and recommend solutions, so you can make informed decisions.
- We monitor the insurance landscape for advantages to your age group and lifestyle, so you don’t have to.
- We work to minimise disruption – in your life, family and work – as much as possible.
Where it began
Our history
In 1998, we set out on a quest to infuse integrity into the insurance landscape in South Africa and also deliver integrity to insurance clients. Since then, IntegriSure has evolved into a respected broker, providing a diverse range of short-term insurance solutions for individuals and businesses alike.
We understand that persons over 50 have unique insurance needs. That’s why we’ve dedicated ourselves to becoming a trusted insurance partner, free from exclusive affiliations with any single insurer’s product offerings and armed with substantial industry expertise. Our insurance products come with an extensive array of attractive value-added features, carefully designed to meet the ever-evolving needs of our valued clients.
From our blog
Broker Advice | Navigating the Insurance Landscape: Key Considerations for a Secure New Year
As the New Year unfolds, many South Africans should take the opportunity to reassess their insurance cover to ensure they are adequately protected against emerging risks. IntegriSure provides insights into five factors individuals should consider when reviewing their motor and home insurance policies. 1. Power Surge Cover and Load Shedding Protection South Africans have faced a challenging year, enduring over 330 days of load shedding in 2023, indicating a significant escalation in the country’s power supply crisis. In line with the frequency of unexpected power surges and load shedding in 2023, most insurers implemented significant changes to enhance their approach to power surge cover. These changes included: revised excess structures, policy wording changes, inclusion of definitions outlining what constitutes power surge, optional cover and limits, and in some instances the inclusion of waiting periods for new cover. It is therefore important to familiarise yourself with the policy conditions pertaining to your power surge cover and to understand the extent of cover you will enjoy during load shedding. 2. Cyber Cover: Safeguarding Against the Rising Threats In an era marked by escalating cyber threats, South Africa has become a primary target for ransomware and e-mail attacks. According to Surfshark’s Data Vulnerability Thermometer research, South Africa’s cyber-crime density – the percentage of cyber-crime victims among a specific number of internet users – has increased by 8% over the last year, placing the country in fifth position globally. Phishing and online payment fraud remain the most prevalent cyber-crimes worldwide. This alarming figure emphasises the importance of integrating cyber cover into insurance portfolios. We all know of someone that has been hacked or lost money to cyber criminals but many consumers are unaware that they can obtain insurance cover for themselves and their family on an individual basis. In line with the shifting cybersecurity risk landscape, cyber cover is not only essential but also affordable, and should form a crucial part of your comprehensive insurance portfolio. 3. Underinsurance: A Silent Risk IntegriSure warns against underinsurance, urging policyholders to annually review cover values to prevent being underinsured. The potential consequences are stark: a failure to increase your contents cover by a very reasonable 10% annually could result in a massive 61% underinsurance after just five years. The additional premium to accommodate for only a 10% increase in value is minimal. Also, don’t forget to ensure any new items purchased over the festive season are placed on cover. 4. Excess Structures: Understanding Financial Risk Do you know what your excesses are on your policies? All too often a cheaper premium comes with higher excesses. Going from a zero excess on your vehicle to a R20 000 excess can easily result in a 40% change in premium. You can adjust most policy excesses which remains an excellent tool to manage your risk depending on your personal circumstances and budget. 5. Risk Mitigating Services: Beyond Conventional Cover Understanding and managing insurance risks is complex. Different risks require distinct insurance products, and understanding each policy's nuances is crucial for adequate protection. As risks evolve, regularly review and update your strategy and cover to align with your current situation. Collaborate with an experienced insurance broker to help navigate policy complexities to ensure proper protection. Brokers should also play a key role in identifying and supporting non-traditional risk management solutions, incorporating elements like risk prediction and prevention. In conclusion, IntegriSure encourages individuals to review product options. Protect your hard-earned assets by consulting with your broker who will be able to provide you with options and recommendations for a suitable product to best suit your pocket and your needs.
Business Advice | Navigating Climate Challenges: The Strategic Role of Brokers in Risk Management
The frequency of severe weather incidents is increasing at an accelerated pace with infrastructure worth billions of rands continuing to be destroyed. Businesses are grappling with substantial financial losses, as they contend with soaring operational costs to maintain their operations and keep their doors open. This trend is evident in recent natural catastrophes, such as the 2017 Western Cape wildfires, the April 2022 KwaZulu-Natal (KZN) floods, and significant flooding in the Western Cape and along the Orange and Vaal Rivers in 2023. Climate change has become not only a social risk but also one of the biggest financial risks, impacting the national economy. While insurance cover has traditionally served as a safeguard for businesses facing losses from severe weather incidents, there are now emerging concerns and warning signs that could be alarming for businesses. Complex challenges The increasing occurrence and intensity of climate-related risks present companies with a new set of dynamic and complex challenges. As a result of the diminishing appetite of reinsurers to take on specific risks, particularly in regions prone to sever weather events, insurers are finding themselves shouldering a greater portion of the risks compared to the past, leading to a corresponding reduction in their risk appetite. This, in turn, directly impacts businesses. In the past, there were instances where insurers may have been lenient in terms of risk requirements, and in some cases even allowing clients to be non-compliant with a punitive excess. However, we are now observing instances where insurers are steadfast in their insistence on risk prevention measures, with little or no room for negotiation. While this is a prudent approach for insurers to appropriately manage risks, it carries significant and far-reaching financial implications for businesses. This was echoed by findings from a global customer survey, “The Value of Insurance in a Changing Risk Landscape,” that reveals insurance clients across the world’s six largest insurance markets are concerned about future insurability. Over 50% of respondents expect it will become more difficult or impossible to get insurance for natural catastrophes. Non-traditional risk management solutions needed As climate risks intensify, systemic risk grows, posing challenges to the conventional insurance business model. This could result in elevated premiums, rendering insurance either prohibitively expensive or, worse yet, inaccessible. It is our belief that the risk management landscape will undergo a profound transformation, with brokers assuming a central role in safeguarding businesses beyond merely securing appropriate insurance products but in proactively identifying and assisting with non-traditional risk management solutions. It is essential for brokers to provide services that go beyond conventional risk transfer, and incorporate elements such as risk prediction and prevention. Through leveraging their expertise to deliver comprehensive services addressing risk mitigation and fostering positive change, brokers can guide clients in developing robust risk management strategies to ensure uninterrupted business continuity.
Business Advice | Bridging the Gap: The Vital Role of Skilled Brokers in Cyber Insurance
Cybercrime has become one of the biggest risks to business continuity in South Africa yet many businesses are operating without the necessary cyber insurance policies in place, exposing themselves and their clients to significant financial and reputational losses. The reason why some businesses opt not to add cyber insurance cover to their portfolios might however come as a surprise to many. Obtaining cyber insurance can be a tedious and complex procedure for businesses, as it entails submission of a substantial volume of documentation necessary for insurers to assess and underwrite the associated risks. As a broker, in our experience, cyber cover is not the easiest cover to obtain for clients. Whilst we acknowledge and respect that insurers need to accurately underwrite risks, we also believe they should assist businesses in making this cover attainable. What type of insurance do you need? The type of insurance a company needs depends on the risk exposures relative to that particular business. The specifics of what is and is not covered by a policy will largely depend on the insurance provider, but across the board underwriters will review a company’s security protocols. This evaluation will encompass an assessment of preventative measures in place, such as email security, multi-factor authentication status, backup procedures, encryption, firewalls, and user training and awareness. It’s here where a broker plays a vital role in being the intermediary between the client and the insurer and especially assisting clients to provide all the required information to the insurers. The difference between cyber security and cyber insurance Another trend that we have identified is that some businesses confuse cyber security and cyber insurance. Cyber security refers to the proactive technologies, processes and practices aimed at protecting a company’s network, encompassing tools such as firewalls, antispyware software and Virtual Private Networks (VPNs). Cyber insurance helps cover the expenses and services a company needs after suffering a data breach or cyberattack. There are various cyber insurance cover options in the market including security and privacy liability, data recovery and loss of income, business interruption and loss of business income. Some cover options also include cover for legal expenses, a PR campaign to mitigate any reputational or brand damage, credit monitoring services, forensic auditors, customer notification costs, crisis management expenses, and costs in negotiating with hackers or paying ransom demands. Every business needs a cyber insurance policy One thing that can’t be denied is that every business needs a cyber insurance policy. According to Interpol’s 2022 Africa Cyberthreat Assessment report, South Africa leads the continent in the number of cybersecurity threats, with 230 million threat detections identified in 2022. South Africa saw a 100% increase in mobile banking application fraud and is estimated to suffer 577 malware attacks an hour. The concerning rise in cybersecurity crimes serves as a clear indication of a shifting risk landscape and highlights the need for knowledgeable brokers to educate businesses about the necessity and importance of integrating cyber cover into their insurance portfolios. Forge strong relationships with a trusted broker A skilled broker plays a crucial role in explaining the importance of cyber insurance to their clients. They bridge the gap between a business’s perception of their current cyber protection and the actual cover provided by a particular cyber policy, whilst also highlighting the comprehensive value such a policy offers. By forging strong relationships with a trusted broker, businesses can navigate the intricacies of risk management with confidence, knowing they have a dedicated partner who understands their unique needs and can offer tailored solutions for mitigating risks and ensuring uninterrupted business continuity.
Back to top
Scroll