Risks are ever present, in our personal lives as well as in business. But what is a ‘risk’?
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In recent years various global and South African factors have together culminated in increased pressure on (re)insurance capacity in the Directors’ and Officers’ (“D&O”) Liability Insurance market.
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When advising a client in the construction industry, it is clear that the client will need to purchase some kind of liability policy, as there is great potential for causing damage to third party property. But what kind of policy is correct?
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The economic crisis in South Africa has seen the construction industry struggling, with several large construction companies filing for business rescue during the course of the year.
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Conveyancing attorneys are becoming increasingly popular targets for cyber criminals both because of the attractively large sums of money involved in property transactions, and the trending increase in the use of electronic communications exchanged between client and attorneys in carrying out and completing certain sensitive transactions.
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On 15 November 2019, Target Corporation (the “Plaintiff”), a listed general merchandise retailer in the United States of America, filed a complaint in the District Court of Minnesota, against ACE American Insurance Company and Ace Property and Casualty Insurance Company (the “Defendant”), now incorporated into Chubb Limited, as a result of the Defendant’s refusal to indemnify the Plaintiff for part of the costs it incurred following a data breach of the Plaintiff’s computer network (the “Complaint”).
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#IIGlobal2019 Crossword Challenge powered by Camargue
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“This Bill aims to provide for structured settlements for the satisfaction of claims against the State as a result of wrongful medical treatment of persons by servants of the State and to provide for matters connected therewith” (State Liability Amendment Bill [B16-2018]).
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In July 2017 the Prudential Regulatory Authority (the “PRA”) of the Bank of England issued Supervisory Statement (SS4/17) (the “Statement”) entitled “Cyber insurance underwriting risk”. The Statement was aimed at non-life insurance and reinsurance companies, and pronounced an expectation of them to identify, quantify and manage cyber insurance underwriting risk.
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18 years ago, on this day [16 August 2019], Camargue Underwriting Managers made history by selling its first policy via satellite phone at the mount summit of Mt Kilimanjaro’s Uhuru Peak.
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Each year sees a new buzzword for business leaders and cyber security experts alike. From Bitcoin to Blockchain, the unofficial theme of 2019 seems to be RANSOMWARE ATTACK.
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As we near the first deadline of the 31st of May 2019 for the CPD requirement there is a busyness in the industry as many realise that the deadline is creeping closer.
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The financial services industry is complex with a multitude of specific sectors, focus areas and often, these sectors overlap.
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The “Depreciation” clause, which is standard in most professional liability policy for brokers and financial advisors, provides that an insurer is not liable to indemnify the insured for any loss arising from the depreciation in value of any investments made on the advice of the insured broker or advisor.
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On 23 November 2018, President Ramaphosa signed the Labour Laws Amendment Act of 2018 into law. The Act covers the new provisions regarding parental, adoption and commissioning parental leave in terms of the Basic Conditions of Employment Act.
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Mail spoofing and spear phishing are some of the mostprevalent cyber frauds committed in businesses globally.
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Memorandum on recent Medical Malpractice case law
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This is a summary of relevant authority and case law in respect of an insurer’s right to repudiate liability under a policy due to late notification if timeous notice in respect of circumstances which may give rise to a claim is not given.
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The enforceability of a disclaimer notice came into question after the Plaintiff, a passenger in vehicle that entered the Sandton City shopping complex parking area, fell in the parking area of the mall
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Ever heard of an insurance claim involving theft by topless dancers at a strip club? Judge Gordon of the Nevada District Court has.
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Two tenants of a second-floor unit in an apartment building (condominium) in Florida USA died in their bedroom, after inhaling carbon monoxide gas whilst asleep.
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As the ever so impending world of technology overcomes us as human beings, we are constantly connected through communication on multiple platforms using even more resources to do so.
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Hugh Harris, Whitehall Court Insurance, qualified to represent Team GB at the ITU Multisport World Championships this July, having placed 2nd in the Under 25s at a qualifying event in February 2018. With the support of Camargue, Kuda, Wickhams Retreat & Whitehall Court Insurance.
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The current turbulent economic environment has seen South Africa rise to the top of the Global Economic Crime and Fraud Survey, with a staggering 77% of South African entities having previously been a victim of fraud.
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Disclaimers are everywhere - anytime someone is warning you of something or letting you know something for your own good, it’s a disclaimer.
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When people ask me what I like so much about my job they are often surprised when I say, “the claims”
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"Broker fees", "debit order fees", "admin fees" and even "compliance fees" have been common terms used to substantiate fees charged over and above policy risk premiums for many years, but times they have now changed!
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The inclusion of the “Depreciation” clause in a professional liability policy for brokers and financial advisors has become all but standard, which clause essentially stipulates that an insurer is not liable to indemnify the insured for any loss arising from the depreciation in value of any investments made on the advice of the insured broker or advisor.
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Given the borderless nature of the internet, criminal skill sets are easily passed from one region to another.
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On a daily basis, headlines across all media platforms report on the rampant increase of cybercrime
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The Supreme Court of Appeal has held that the eThekwini Municipality had a legal duty to supervise and control access to a water slide built for children and situated in a pool on the Durban beachfront Promenade.
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Over the last few weeks, the phrase “the product was recalled” has become almost daily vocabulary for many South Africans
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You can't protect what you don't know: this old(ish) cyber security maxim profoundly illustrates one of the biggest problems facing cyber security professionals today
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One can never guarantee most things in life but history has taught us that one can certainly guarantee change.
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The year 2017 was a horrendous one in terms of the number and scale of widely publicised data breaches
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On 24 November 2017, the Supreme Court of Appeal ("SCA") ruled in favour of granting a loss of support claim to an aunt of the deceased.
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The Cyber Exposure Index of South Africa was launched in October this 2017.
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The security industry in South Africa is large, and the number of claims against security companies are increasing.
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Recent legislation demands that Boards of Trustees and their advisors introduce new systems to ensure that each fund operate in compliance with the mandated provisions.
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As we celebrated Woman’s month and Camargue’s 16th birthday we have formally adopted the “Growth Mindset” in our business.
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Gunshots! High speed chases! Long dramatic pursuits on foot! These are the kind of things that may come to mind when thinking of the daily life of a security guard.
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Where a claim is submitted for loss of support by the spouse of the deceased breadwinner, the claim will be influenced by the remarriage prospects of the surviving spouse.
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Prescription ordinarily runs from the date a debt becomes due and a plaintiff has up to three years within which to issue summons on that debt.
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The incredible pace of growth in the global technology space has produced a society which has become completely dependent on technology.
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At Camargue, we remain flexible and committed to keeping our business partners informed, as we collectively combat and flatten the curve.
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In line with President Cyril Ramaphosa’s speech delivered on 15 March 2020 in combatting the Coronavirus outbreak (Covid-19), Camargue is committed and focused on the health of our employees, brokers, clients, partners and wider community.
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An exclusive platform available to all Medical Malpractice policyholders at no additional cost.
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Camargue are pleased to advise that our binders in respect of the 2019/2020 underwriting year have been successfully renewed as of 1 July 2019.
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The type of cover offered by a Legal Expenses Insurance policy cannot be found in liability, professional indemnity or directors’ and officers’ policies.
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We are delighted to present the increased scope of our training through the Camargue Academy.
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We are excited to announce the official launch of Cyber Vulnerability Scan. What is CVS? find out more.
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Our training has been extended to offer Class of Business Training as per competence fit and proper requirements in the Financial Advisory and Intermediary Services Act 37 of 2002.
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Camargue would like to take this opportunity to thank everyone for their continued support.
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The incredible pace of growth in the global technology space has produced a society which has become completely dependent on technology.
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Camargue Underwriting Managers (Pty) Ltd (“Camargue”) has confirmed that it has entered into a binder agreement with Zurich Insurance Company South Africa Limited (“Zurich South Africa”).
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Camargue Underwriting Managers has announced that its board has moved to appoint Gerhard de Bruin as its new group managing director.
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Camargue’s new electronic handbook – Quick Guide to Liability Insurance – is now available free to brokers and their clients.
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For Camargue, 2016 is proving to be one of great expansion and development.
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A fitting acknowledgement of the many milestones that have shaped the business into the success story it is today.
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A Partnership that Benefits the Industry, Camargue and the Continent!
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As of 1 July 2016 the Lloyd’s participation on our binders will increase to 75% with the balance of 25% being placed locally with Compass.
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Camargue Underwriting Managers will no longer place business on its M&F binder.
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