About IUM

IUM is the largest independently owned underwriting management agency in Southern Africa, underwritten by Guardrisk Insurance Company Ltd. IUM offers an extensive range of insurance solutions for individuals, small to medium businesses and multinational corporations.

Our innovative approach and service offering, yields tangible benefits to clients, intermediaries, employees and stakeholders, ensuring transparency in the application of IUM's corporate governance practices.

IUM's solid financial backing, years of experience and advanced integrated software systems, ensure IUM remain at the top of this highly competitive industry.

IUM – Providing protection and reducing risk.

Risk Management

Discover the Power of Effective Risk Management with IUM. We offer comprehensive and unique risk management solutions to safeguard businesses in an increasingly uncertain world. We take pride in our dedicated team of professionals, cutting-edge technology, and strategic partnerships that enable us to identify, analyze, and mitigate potential risks for our clients. Learn how our expertise and innovative approach help businesses stay ahead of emerging threats and protect their interests.

Agriculture

This product has been developed to protect the farmer from a wide range of risks, both human and physical, inherent in the demanding farming environment.

This product provides cover for loss of or damage to the following property typically found at a farm, including financial loss suffered by you as a result of such loss or damage causing an interruption to the farming activities as well as any liabilities arising therefrom.

Commercial

This product offers cover for the diverse exposures inherent in the commercial and industrial sectors. Cover includes loss of or damage to the insured premises, injuries to employees, business interruption, motor vehicles as well as the associated liabilities. This product provides optimum cover coupled with competitive premiums and a personalised policy to suit the specific requirements of the insured business.

IUM’s extensive risk appetite allows us to offer this cover to a wide range of occupational risks.

Assets All Risks

This product provides extensive coverage up to R1billion per location and can be tailored to insure a multitude of assets across a wide range of industry sectors, including both national and international public listed entities and other state-owned enterprises.

Personal

This product offers comprehensive cover for your personal assets when damaged or lost, as well as any liability for which you could be held legally responsible for in your personal capacity.

Specialist Liability

Increasing customer expectations, constant changes in technology, a growing awareness of the rights of the consumers and case law are constantly changing the liability landscape, creating liability exposures within your business that didn’t exist in prior years.

Our specialist broadform product provides the all-encompassing protection your business requires.

Motor Fleet

This product offers a flexible insurance solution for unspecified commercial motor fleets.

Transport

This product offers comprehensive cover for vehicles operating locally and in an intermediate and long-haul radius, goods-in-transit, passengers, and any liabilities arising therefrom.

Cover may be extended to include physical damage to immovable property as well as any financial loss suffered as a result of damage to such property.

Property All Risks: Sectional Plan

IUM have developed a true assets all-risks based insurance product for buildings consisting of units or common property designated in a sectional plan in accordance with the ruling of the controlling body. This product has been designed to provide the cover required for such buildings in accordance with the applicable Acts as well as the duties and requirements of the scheme executives.

Property All Risks: Commercial

IUM have developed a true assets all-risks based insurance product for commercial buildings that includes all the benefits of an assets policy traditionally offered on large property portfolios.

Opulence

The No.1 insurance product for high-net-worth individuals, featuring unique benefits, widest cover, highest limits and free of excesses on all sections. Paying special attention to service delivery and claims turnaround times.

Insurance Underwriting Managers (Pty) Ltd (Reg No. 2004/022210/07) is an authorised financial services provider FSP NO: 21820

Emergency Claims Numbers

0861 886 886

0861 464 666