Chadwicks Risk and Insurance Brokers

On 15 October 2025, a United Airlines flight turned around mid Atlantic. A passenger's laptop fell through a cabin wall gap into the cargo hold.

The facts:
➡️ Three hour retrieval operation
➡️ Eight hour delay
➡️ Lithium laptop battery was still on

Tim Chadwick wrote an article on News24 Business regarding what happened, liability if things go wrong and the critical insurance gaps most South African travellers do not realize exist.

You are likely asking yourself: Would my insurance cover this?

The reality is concerning.

Most personal liability policies exclude aviation risks and most personal liability limits are designed for local risks, not international aviation incidents involving lithium fires, subrogration claims and multi-jurisdictional legal processes.

𝐑𝐢𝐬𝐤 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬 𝐭𝐨 𝐚𝐬𝐤 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟:
↳ What happens if your device causes an aviation incident?
↳ What is your personal liability sum insured and is it adequate?
↳ Do you have Umbrella Personal Liability cover?
↳ Are you using non-OEM batteries in your devices?

✅ Talk to a professional risk advisor if you are unsure.

Read the full article here: https://zurl.co/vkN3N

The Huguenot Tunnel closed for two weeks.

❌ Freight slowed.
❌ Deliveries delayed.
❌ Turnovers reduced.

And most businesses discovered gaps in their business insurance.

Our CEO Tim Chadwick’s analysis, published in News24, breaks down who is liable, what standard policies miss and the one word difference in business interruption cover that could cost you millions of Rands.

❌ SA’s infrastructure maintenance backlog is roughly R420 billion. The next closure is coming.

✅ The time to do pre loss risk modeling is now.

Read the full article: https://zurl.co/MdJxi



Chadwicks is an Authorised Financial Services Provider.

Insurance often feels like

❌ just another tick the box exercise
❌ a familiar brand’s logo
❌ a sharp price and the sense that you have made a good decision

This is human nature: trust the big name, save where you can, move on.

The truth?

Insurance only reveals its worth when life veers off script. In those moments, shiny marketing and low rates do not advocate for you, people do.

The “fine print” becomes centre stage and the person (or absence of one) behind your policy makes all the difference.

↪️ Brand is important: A strong brand signals stability and resources.

↪️ Price is seductive: Paying less, especially significantly less, always feels like it is too good to be true. And if your quote was low and instant and no one asked you challenging risk questions, it is not just fast, it is probably fundamentally flawed.

↪️ Advice is underrated: Brokers are often overlooked because advice looks invisible and unnecessary in claim free years. But when trouble comes, a risk advisors worth reveals itself, you have someone who:
- decodes jargon
- spots risk gaps
- and goes to bat for you, at no extra cost

↪️ The wise decision isn’t either/or: Seek a policy where both the brand and the person behind it stand up for you. A trusted brand carries you through the storm, but an engaged risk advisor helps you prepare for it, makes sure your cover fits your world and stands by you when the chips are down.

↪️ Next time you review your cover or consider a new policy, take the following test:

✅ Am I resting on a name, a price or is there a risk advisor in my corner?
✅ Can I remember the last time someone asked tough questions about my risks, not just sold me cover?
✅ Did anyone help me spot what my policy will not pay for?
✅ Do I know who to call if something goes wrong and do they know me by name?
✅ Did someone challenge my assumptions or simply offer a quick, cheap quote with minimal detail?

True peace of mind comes from knowing:

✅ both the strength of the insurer
✅ and the professional support of a trusted risk advisor
✅ who is a real person, who genuinely cares about their clients (not AI)
✅ who puts you first
✅ and who is there to help you 24/7

↪️ Do not wait for a claim or a policy review to get these answers. Take the test as soon as possible.

Read more on the hidden costs of quick and easy insurance: https://zurl.co/tHyJA



Chadwicks is an Authorised Financial Services Provider

From a business perspective, ownership feels self evident, as :

✅ Equipment sits in your facility
✅ inventory fills your warehouse and
✅ intellectual property drives your operations

Documentation feels like an administrative burden that creates clutter, without adding operational value.

For insurers, documented evidence forms the foundation of every claim settlement. Fraud prevention requirements mean every claim must withstand scrutiny from:

✅ adjusters
✅ auditors
✅ and potentially legal challenges

It is vital for you to understand that contractually, the burden of proof, in terms of proving ownership and value, always rests with you, not the insurer.

The fundamental divide is expectation versus requirement and this is precisely where a risk advisor’s expertise becomes critical.

They understand both worlds. Your operational reality and the insurer’s verification requirements.

A competent risk advisor helps you build the required evidence before you need it, establishing clarity by continually asking leading risk questions including:

✅ proof of ownership
✅ value
✅ and condition

↪️ How confident are you that you can prove ownership and value of all your insured assets?

Read more: https://zurl.co/LbP6i



Chadwicks is an Authorised Financial Services Provider

Insurance pays for defined loss. It does not fix weak standards. Our new guide sets out the five franchise risks that are crucial, what cover can and cannot do and the controls that keep you trading when the heat is on.

Read more here: https://zurl.co/y7IPP



Chadwicks is an Authorised Financial Services Provider