Our purpose is to serve our clients (both companies and individuals) through various services that ultimately contribute to either:

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• reducing risk or supporting a risk management strategy

• reducing cost of risk / risk management

• or increasing revenue

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We do this through the application of insurance and non-insurance products and services including risk finance strategies such as applying self-insurance principles or investing and growing cell captive facilities that support existing business initiatives.

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We are focused on supporting our clients reach their intended goals when it comes to insurance and risk management strategies in the most cost-effective way leading to a win-win outcome for all concerned, adding value through each interaction.

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Liza Harmse is our founder and Managing Director. She is a Chartered Accountant CA (SA) with 22 years’ experience in the financial services industry. Her experience ranges from enterprise wide risk management, credit approval (SME’s, corporates and large projects), to project finance and includes more than 10 years in short term insurance, specialising in the cell captive and UMA environment. Liza ran a short-term insurance cell captive licence with a turnover of R2.7bn in gross written premiums for over 3 years.

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She is both strategically minded, but practical in the application and implementation of solutions for managing risk and utilising insurance products, where applicable, to reduce the cost of risk.