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Klapton Insights
Agile & Responsive

Zambia Expected To Be Hit By El-Nino – Are Farmers Ready?
There is a saying that no one can escape the uncertainty of agricultural risks, but everyone can prepare for them. The stark reality facing Zambian

Understanding the Factors Behind Successful Claim Settlements – Part I
Expeditious settlement of valid claims stands out as a vital function that reveals the trustworthiness of individual insurers/reinsurers and sheds light on the overall values

What Can We Expect on the Regulatory Front in the Last Half of 2023 in South Africa?
The financial services industry, including the non-life insurance industry, has commented on several draft regulations and items of legislation over the last year. I will

Impact of Zambia’s Debt Restructuring on the Insurance Industry
On 22 June 2023, the Zambian government announced that it had agreed on a comprehensive debt treatment with its official creditors under the G20 common

Underwriting Considerations for Decennial Liability
When writing decennial liability insurance as an underwriter, there are several considerations that need to be taken into account. Here are some of the key

What is Decennial Liability Cover
Decennial liability cover is a form of insurance commonly used in the construction industry. It protects contractors, architects, and engineers against any damages or defects

Corporate Governance within Financial Service Companies
For some time now we have long been hearing about the necessity for proper corporate governance within large companies, following some very high-profile collapses of

Emerging Cyber Security Risks and the liabilities associated with same
Cyber-related security risks have become the more serious risks almost all companies face today, specifically companies who rely on technology or their client base and

Digital Transformation in the Covid Era
In March 2020, the World Health Organization (WHO) declared the coronavirus disease 2019 a global health pandemic. Over the past two years, the disease, commonly

Getting to Grips with Contractual verses Delictual Liability
To get to grips with liability insurance you need a clear understanding of the difference between contractual liability and delictual liability. These legal terms for

New Insurance Act Exemplifies Actuarial Role
The Insurance Act, No 38 of 2021, is set to repeal the Insurance Act No 27 of 1997 once the Minister of Finance and National

Insurance Solutions to Small and Medium Enterprises
One of the distinct developments under the ‘New Dawn’s government is creating the Ministry for Small and Medium Enterprises (SMEs). The ministry seeks to drive