iTOO Special Risks has appointed Melissa Brink as Branch Manager for the Western Cape, reinforcing its commitment to developing internal talent and strengthening regional leadership, broker relationships and specialist insurance expertise.

Rishai Neerachand, Executive Head of Business Insurance at Miway, says many SMEs underestimate liability risks, warning that incidents involving third-party injury, property damage, defective products or professional advice can result in costly legal claims, making tailored liability cover an essential part of long-term business sustainability and growth.

Marius Kemp, Head of Personal Underwriting at Santam, says the rise of smart home technology is increasing the value of household assets rather than creating new insurance risks, making accurate disclosure, regular policy reviews and adequate sums insured essential to avoid underinsurance and claim shortfalls.

Ryno de Kock, Head of Distribution at PSG Insure, says many South African businesses fail because they are unprepared for unexpected disruptions, highlighting asset protection, business interruption, liability, cyber risk and people-related exposures as critical areas requiring insurance and proactive risk management from the outset.

Wynand van Vuuren, client experience partner at King Price Insurance, urges homeowners to prepare for winter-related risks by checking heating appliances, preventing electrical overloads, monitoring for water damage, and maintaining proper safety measures, while ensuring adequate insurance cover protects against unexpected seasonal incidents.

Funeka Ngewu, Head of Claims at Momentum Insure, says many consumers mistakenly assume all household possessions are automatically covered, warning that portable items, solar installations and underinsured valuables often fall into insurance gaps unless policies are regularly reviewed and updated.