As South Africa’s short-term insurance landscape continued to evolve in 2025, PSG Insure observed several persistent and emerging risks affecting local businesses, says Ryno de Kock, Head of Distribution at PSG Insure.
By reviewing some of these risks, we can extract valuable lessons to guide risk-mitigation strategies in the year ahead.
1. Fires
Fires remained one of the most financially damaging risks for businesses in 2025.
“Fires can lead to full operational shutdowns, long-term business interruption, and costly asset replacement,” says de Kock.
Many incidents are linked to electrical faults, aged wiring or overloaded systems. Others stemmed from inadequate…
First Democratic Elections: South Africa held its first fully democratic elections in
1994, allowing all citizens, regardless of race, to vote.
Lincoln Rider
Van der Merwe goes to Paris to watch the Boks take on the Brits at the world cup.
Whilst in Paris, he walks around, gaping and staring at everything – so much so that he walks smack bang into a fire hydrant which hits him so hard on the family jewels that he has to be rushed to hospital where the doctors tell him they have to remove his testicles.
Van goes berserk, he bites and snarls at every one and he won\’t let anybody within 10 metres of him. Eventually they find a South African doctor in the hospital and get him to talk to Van.
He walks up to Van and tells him \”Hey Van, die ouens moet jou knaters uithaal.\”
Van replies \”O, okay, ek dog die bliksems wil my test tickets vat.\”
Mr. Peppermint
Bliksem – to hit. This is a derogative term meaning to hit or punch someone.Example: “I’ll bliksem you!”