Insurance Products

I³ - Inspire, Innovate, Improve

IUM is the largest independently owned Cell Captive UMA in Southern Africa, underwritten by Guardrisk Insurance Company Ltd. Our innovative approach to risk and superior service offering, yields tangible benefits to clients, intermediaries, employees, and stakeholders, ensuring transparency in the application of IUM's corporate governance practices. Offering market-leading insurance solutions that provide cover for multinational corporations, local businesses, and individuals.

Our commercial product is specifically designed for the small to large commercial and industrial sector, with the ability to add sections of cover tailored to specific client needs.

Download Brochure

A policy of inclusion geared towards large multinational corporations, providing cover up to R1.4 billion per risk location.

Download Brochure

Exclusively developed for the agriculture industry, tailored to ensure comprehensive coverage for risks associated with farming.

Download Brochure

A flexible insurance solution for single trucks, owner-drivers, and specified small to large fleets, tailored to meet diverse transport needs.

Download Brochure

Comprehensive coverage for fleets of 300 or more vehicles with attractive premium deposit options, reducing upfront insurance costs for unspecified commercial motor fleets.

Download Brochure

Tailor-made insurance for single trucks, owner-drivers, and small to medium-sized fleets, offering flexible and bespoke coverage specific to the transport industry.

Download Brochure

An insurance solution compliant with the Sectional Titles Act, providing extensive coverage for buildings with sectional title arrangements.

Download Brochure

A true assets all-risks insurance product for commercial buildings, offering comprehensive benefits for large property portfolios.

Download Brochure

A specialist broadform liability product catering to the specific needs of the corporate and commercial sector.

Download Brochure

The premier insurance solution for high-net-worth individuals, featuring unique benefits, broad coverage, highest limits, and no excesses.

Download Brochure

An insurance product covering moveable and immovable personal assets, including all associated liability. Our commitment to providing protection and reducing risk underscores our holistic approach to insurance, providing our clients with unparalleled peace of mind and security.

Download Brochure

Tailor-made insurance for recreational enthusiasts, offering bespoke coverage for a wide array of leisure activities and items.

Download Brochure