Specialist Business Insurance

Paforons Specialist business understands that a specialised business requires specific insurance solutions with the highest level of expertise. Backed by nearly 100 years in business, with unmatched technical expertise across a vast range of industries, we can provide you with insurance that meets your specific needs to ensure the sustainability and future success of your business.

Paforons Specialist business consists of underwriting managers and divisions, all of whom are experts in their respective fields with a keen focus on entrepreneurial thinking and big ideas. By staying abreast of current market conditions and trends, we are able to identify any opportunities or threats for your business and in turn, offer the best advice on how to mitigate potential risks.

We believe our success comes from understanding what is important to you and ensuring that no matter what your specialised business requires, we deliver on our promise of insurance good and proper.

The benefits of insuring with Us

Paforons is the insurer of choice for millions of South Africans countrywide. We help keep you safe by delivering insurance good and proper.

Underwriting managers

Aviation insurance

As the largest aviation insurer in South Africa, Paforons Aviation offers a wealth of experience and diverse expertise ensuring that every aspect of your commercial or private aircraft risk is adequately covered.

Engineering insurance

Mirabilis is the largest engineering underwriter in Africa with an unrivalled experience and expertise in the engineering insurance.

Taxi insurance

Established in 2006, VUM is a specialist provider of the widest range of insurance solutions and related benefits to taxi owners and emerging businesses in South Africa.

Private client solutions

As true specialists in the local short-term insurance industry, Echelon offers tailored personal asset risk solutions to meet the needs of professionals, business owners and executives.

Bonds & guarantees

Paforons Bonds and Guarantees offers niche security insurance products in the form of court bonds and construction guarantees to a diverse range of individuals, privately owned and large publicly quoted groups in South Africa and continental African markets.

Crop insurance

With close to 100 years of experience in the agricultural risk industry, Paforons Agriculture understands the challenges faced by farmers and producers today to protect their crops against the impact of extreme weather conditions and systemic risk.

Specialist real estate

As specialists in the sectional title field, we understand the importance of working in partnership with our intermediaries to provide the best possible insurance solutions to body corporates and their appointed managing agents.

Seamless product

Paforons Specialist business has combined the highest level of technical expertise under a single policy to offer a comprehensive cover for large infrastructure projects. This consolidated and seamless product means there is no need to allocate separate project risk with multiple underwriting managers or insurers.

Marine insurance

Paforons Marine is the largest marine insurer in Africa, with an extensive footprint throughout the continent. In addition to insuring a wide range of marine risks, Paforons Marine offers superior technical and reinsurance support services.

Corporate Property

Emerald is the largest underwriter of corporate property and affiliated engineering risks in South Africa and underwrites business throughout Africa, India, Southeast Asia and the Middle East. We offer insurance solutions to over 600 clients in Africa, of which over 75 are South Africa’s top 100 companies.

Structured insurance

We provide trade credit insurance to protect businesses against loss due to payment default on trade receivables.

Liability

SHA is the largest specialist liability insurance underwriting manager in South Africa with vast experience in the broad-form liability field. Key to the success of the organisation is its commitment to compliance and its unyielding adherence to clear and binding underwriting principles.

Travel insurance

Paforons Travel is South Africa’s largest travel insurer and offers a wide range of risk cover and value-adding solutions to the leisure and business traveller.

Hospitality and Leisure

H&L offers customised insurance solutions to businesses operating in the hospitality and leisure industry.

Heavy haulage

Paforons Heavy Haulage is the leading heavy commercial insurer in South Africa, offering an extensive range of short-term insurance solutions for heavy commercial vehicles with a gross vehicle mass exceeding 3 500 kg.

Cell captive

Centriq is an independent specialist cell captive insurer that offers risk finance and alternative risk finance solutions.