Covid-19 & Lockdown Response

To Our Valued Client,We have observed that the ongoing challenges of the Covid-19 pandemic continue to come closer to home, your home, your vehicle, your life and your state of being. We recognize that during these challenging times you want and need a service provider who will not only continue to insure your risks, but also consider the impact of those risks on your livelihood and the [...]

Partnership Announcement

The directors of Hamtern are very excited to announce the finalisation of a transaction in which Mohau Equity Partners has acquired a 51% stake in Hamtern Financial Services, effective from 1 March 2019. Mohau is an investment holding company founded by Dr Penny Osiris (Moumakwa). The company is a strategic long-term investor, majority owned and controlled by black stakeholders, with 30% being held by black women with Discovery [...]


Can an exemption clause or disclaimer protect you from a liability?

BY PARIKSHA MOODLEY, CAMARGUE UNDERWRITING MANAGER. Disclaimers are everywhere - anytime someone is warning you of something or letting you know something for your own good, it’s a disclaimer. Remember when one woman sued McDonald’s for spilling hot coffee on herself and won $2 million? After that the Company upped the disclaimer on their cup - this coffee is SUPER HOT - be careful.  This example left me pondering [...]

Articles of interest|

Mail spoofing, a cyber-threat induced by the victim

BY CAMARGUE UNDERWRITING MANAGERS Mail spoofing and spear phishing are some of the most prevalent cyber frauds committed in businesses globally. This current trend is disastrous to company owners, regardless of their size. Companies can procure technology such as anti-viruses and firewalls to secure their networks and while this is a necessity, it is only partially effective if managed and maintained by security specialists. It will however not [...]

Managing your risk: Crime Part 1

Your Personal Lines servicing team, from time to time, would like to bring to your attention various methods and ideas to help you manage and reduce your risk in areas such as: Crime Storm Lightening / Power Surge Driving habits General maintenance In this circular we will focus on certain crime preventative measures. Follow home Follow home crimes occur when victims are sourced from a location i.e. a [...]

Risk Management|

Background on the origin and causes of the Knysna Fires

Dr Guy Preston, PhD (Environmental Science) Deputy Director-General: Environmental Programmes, Department of Environmental Affairs. June 2017 will be remembered by South Africans for decades to come. A historical moment when Mother Nature showed her true power and the only option was to get out of her path and watch in awe. For a week preceding the fire, extreme weather warnings had been issued with predictions of flooding in [...]

Fire Insurance Critical to Commercial Entities

Article by Santam South Africa loses millions of rands to fire each year. The past fire season saw thousands of people displaced from their homes as a result of fires in the Knysna area, while acres of vineyards were destroyed in the Western Cape in January, decimating revenues within the wine industry. The commercial and industrial sector has also taken a knock. Businesses and enterprise owners who provide [...]

Data Breaches and Cyber-Attacks

By Rob Scott | Partner | Clyde & Co Data security and cyber breaches are becoming an almost daily occurrence, as is widely reflected in increased publicity and media reports, which also demonstrate that data breaches are growing both in frequency and scope each year. South Africa has been slow to regulate cybercrimes and data breaches. There are currently two key pieces of proposed legislation that are relevant: [...]


Personal Connect

Your Hamtern Personal Lines Team, when conducting research and in talking to you our client, understand that your risks and needs are continuously changing and evolving. We have thus included in the newsletter subjects that relate to what we perceive to be your changing requirements. Rental Income We are aware that many of our clients have properties that would be utilized as a form of rental ranging from [...]

Insurance tips: protecting yourself against lightning strikes

Did you know that South Africa ranks in the top three countries in the world for deaths and injuries by lightning strike ? Or that at least 100 South Africans are killed by lightning a year? The recent heavy storms in Johannesburg and Durban should serve as wake -up calls around the huge risks extreme weather poses, both to our property and to us. Lightning is a standard [...]

Insurance tips|

How to quieten that barking dog

“My neighbour’s two dogs have been barking incessantly the last few days at all hours of the day and night. My wife and I as well as our young toddler have been getting no sleep and its taking its toll on us personally and at work. Is there anything that we can do legally?" In terms of our law all property owners have the right to the undisturbed [...]

Award: Gauteng Broker of the year

At the MUA Awards earlier this year, Hamtern Personal Lines was recognised as the overall Broker of the Year for 2016. Seen from left to right: Lindsay Robertson of MUA, Elaine Fisher from Hamtern, and Dawie Loots of MUA.