Services

Our Productive Services is Ready

KSM Risk and Insurance Management specifically focuses on insurance for residential complexes. We connect with managing agents, trustees and owners and provide tailored insurance and related advisory services to this market. We have found that close cooperation with property managers and the integration of facilities management and insurance risk management, result in better overall customer experience for our clients.

Obtaining Competitive Quotes

Whether you are our client or not, we will use our network of underwriters to get a quote on the cover that matches your needs and your budget, ensuring that you pay a competitive premium while enjoying the most appropriate cover.

Presenting alternative quotes at policy renewal

When the time comes for your annual policy renewal, we will obtain quotes for your cover from alternative underwriters and present you with these options for consideration, to ensure your premium remains competitive.

Helping with valuations

It is now a legal requirement to ensure your property is accurately valued for insurance purposes. You must be insured for the correct replacement cost of your property. If you are underinsured, the underwriter may apply averaging and pay out proportionally less on any claim. We assist you by organising a professional valuation of your property, eliminating nasty surprises in the event of a claim.

Facilitating and overseeing the claims process

We help you with the submission of claims and guide you in the steps you have to take. Then we follow up with the underwriter on your behalf until the claim is finalised, keeping you informed of progress.

Providing advice and conducting surveys

Insurance is complicated. We advise you on the correct cover for your needs and on managing your risks to ensure you keep your side of the insurance agreement.

Maintaining your insurance policy

Need to add or remove items from your policy, change your details or just check your cover? We are only a phone call or email away.

Issuing insurance certificates

We assist with the issuing of insurance certificates when ownership of a property is transferred.

Why KSM?

Your portfolio deserves the best

We have experience in dealing with all major insurance companies and Underwriting Management Agencies offering insurance products to the sectional title market, and have brokered policies from CIB, CIA, HIC, Hollard, Riskguard, One Insurance, Old Mutual Insurance, Compass and Santam. Our experience in dealing with the different products and the claims processes of the different providers has prepared us well when it comes to advising clients regarding the best products for their budget, and protecting their assets.