About IUM

IUM, underwritten by Guardrisk Insurance Company Limited, is the largest independently owned underwriting manager in Southern Africa, offering brokers and their client’s insurance solutions that are comprehensive, cost-effective and tailored to their specific needs. Our current organisational structure comprises roughly 120 staff members in eight departments.

IUM has an extensive range of personal and commercial insurance products and services – from cover for individuals all the way to multi-national corporations with our core products underwritten by Guardrisk Insurance Company Limited.

“Our perseverance for excellence is ingrained in our unique culture...”

Our experience has proven that one size doesn’t fit all. We provide clients with the opportunity to choose from a comprehensive product offering that can be tailor-made to suit their individual requirements.

Our services include amendments, claims handling, claims settlements, consultancy, debit order collections, policy enhancements, policy issuing, product development, quotes, reinsurance, renewals, risk analysis, risk surveys, underwriting and training services for brokers on products and risk management.

IUM delivers innovative insurance solutions and outstanding services that result in tangible benefits to clients, brokers, suppliers, employees and all stakeholders, while also ensuring a commitment to good corporate governance by upholding the highest values.


To be the preferred supplier of specialised insurance products in Africa by establishing long-lasting partnerships with our clients.


Providing the right products at the right time by ensuring our clients understand and protect themselves from risk, delivering excellent service and achieving long term mutually beneficial growth to all stakeholders whilst upholding the highest values.

Our Values


Business will be conducted in an ethical way. We will be open, honest, consistent and accountable in all client dealings.


We see ourselves not as individuals, but as part of a unit, working together for the benefit of all stakeholders.

Customer Centricity

We are committed to assist our clients promptly, with warmth, patience, and the willingness to be helpful.


We will develop mutually beneficial relationships with strategic partners based on honesty and integrity.

Innovation and Creativity

We are always looking for better, innovative ways of doing business.

Sustainable Value Creation

By embracing our values, we add value and sustainability to all stakeholders.