With more diversification comes more risk. Producers need to work on a risk management strategy tailored to their business’s specific needs to protect them against loss and financial liability.
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Oesversekering bly een van die algemeenste maniere vir produsente om hulself teen klimaatrisiko’s te verskans. In hierdie artikel verduidelik Rika Stols en Elsie Swanepoel, albei oesversekeringsmakelaars by Certisure Bothaville, wat dié maatskappy se oesversekeringsaanbod behels.
2022 was a tough year for South Africa domiciled non-life insurers. In a November 2022 operational update, Santam Limited said that the year-to-date underwriting environment had been characterised by high claims inflation, electrical power surges, crime-related claims and adverse weather. This is hardly surprising news, given the devastating floods in KwaZulu-Natal (KZN) in April 2022 and the string of flood events that have made news headlines in areas of Gauteng and the Western Cape since. Ailing power utility Eskom was unfortunately busier (sic) than the weather, achieving a 200% jump in loadshedding hours in 2022 over 2021.
Produsente in die somerreënstreek moet hulself staal vir die gevaar van moontlike vloede in die volgende twee tot drie weke. Gedurende hierdie tydperk is tot 100 mm reën moontlik oor die Vrystaat, Gauteng, Limpopo, Mpumalanga, KwaZulu-Natal en die oostelike dele van Noordwes, aldus Johan van den Berg, ‘n onafhanklike landbouweerkundige.
