Sophie Maggs, Head of Underwriting at Crawford Dougall, says limited participation of local insurers in major infrastructure projects is often due to how lender requirements are interpreted, highlighting the need for clearer alignment and collaboration to unlock local market capacity.

Thabo Twalo, Chief Underwriting Officer at Santam, says mixed-use property developments are driving strong growth in South Africa, offering security and convenience, but require specialised insurance understanding due to complex ownership structures and rising risks like climate-related damage.

Rudolf Britz, Chief Actuary at Momentum Insure, says businesses should avoid cutting insurance during economic pressure, as strong risk management and adequate cover are critical to resilience, enabling companies to withstand shocks, protect cash flow, and position themselves for long-term growth.

Thabo Twalo, Chief Underwriting Officer at Santam, says small maintenance oversights on farms can quickly escalate into major losses, emphasising that proactive upkeep and early intervention are critical to preventing costly damage and insurance claims.

Mamoeti Nosi, Product Head: Events at iTOO Special Risks, says comprehensive event insurance is essential for managing the complex risks of large-scale events like the Comrades Marathon, ensuring organisers can deliver safe, resilient and successful experiences despite unforeseen challenges.

Dipesh Radia, Chief Commercial Officer at Momentum Insure, says insurance policies can become outdated through gradual life changes, urging policyholders to regularly review cover to ensure it accurately reflects evolving assets, lifestyles, and risk profiles.