Building insurance A to Z: contractors all risk, buildings combined, body corporates, sectional title

9 December 2016, 12:06


This is a recent headline in the HomeTimes dated 5 October 2016. A development site commissioned in 1999 had a sectional title complex named Seemeeu erected. After a landslide in 2016, residents noticed large cracks appearing in the walls of their units. It resulted in 30 families being evicted from their homes. A further extract from the article reads as follows:


“A geotechnical report was not commissioned at the time, because it was not required according to law. The law came to effect later That is the matter between the property owner and their insurer.”
— Harry Hill, Mossel Bay acting municipal manager

The underwriting of sectional title, body corporate and commercial property is fraught with potential risk and hazards. Unless correctly managed, it can prove very expensive for insurers.

In the next IB seminar, we look at these risks right from the initial construction through to hand over and occupancy. We will consider the maintenance of these properties and the most common claims.

Sectional title and body corporate properties have challenges and laws that govern the ownership and liability aspects and, unless adhered to, can present owners and insurers alike with serious problems.

We will unpack the various aspects of this field of insurance and have a panel of experts that will enable you to avoid the manholes and sidestep the short circuits.

We look forward to seeing you there and discussing this exciting topic.


Claim 2.5 CPD hours for this event on an intermediate level





Keith Bester
– head of construction and engineering for KwaZulu-Natal at Hollard Broker Markets

Bester has headed up the KZN Engineering Division for Hollard since 2015, and has now moved into the role of regional business development manager for KwaZulu-Natal at Hollard Broker Markets in Durban. He started his insurance career with Constantia Insurance Company in 2004, followed by a short stint in the London market before returning to South Africa to join Consort Technical Underwriters in 2010, from where he has developed a passion for engineering insurance specifically. Since joining Hollard, Bester has continued to provide training and guidance to various brokers in the market about this specialist class of business. He was also a top eight finalist in the 2017 Insurance Apprentice competition.


Mokgadi Malebye
– underwriting manager at Sasria SOC Ltd

Malebye’s career began at Mutual and Federal, where she worked as claims controller. In 2007, she joined Sasria SOC Limited. Malebye was appointed as underwriting manager in 2015 and prior to her appointment, she held various roles ranging from training specialist to customer relations within Sasria.

Her role as underwriting manager involves managing the day-to-day operations of the department, including proving product training and technical assistance to the industry, reinsurance management and keeping abreast of industry developments. Malebye has over 13 years’ experience in the short-term insurance industry.


Mike Addison
– managing director of Addsure

Addison is a director shareholder of Addsure and a specialist in sectional title insurance intermediary practice. He has written various articles for leading publications, published booklets, online publications and notes, and provides training and advice on sectional title insurance. Addison’s financial and banking background coupled with his knowledge of insurance provides him with a rare combination of expertise in this field. 


John Sutton
– managing director of Sutton Loss Adjusters

Sutton has been a loss adjuster for 26 years and in this time has operated in Cape Town, George and East London. Mid-1997, he completed the last of his loss adjusting examinations and was made an associate member of the Institute of Loss Adjusters and was presented with the Top Candidate Award. In 1999, Sutton started his own business in Stellenbosch and in 2003 merged with another loss adjusting company. The business moved to Pinelands, Cape Town, from where he currently runs Sutton Loss Adjusters, which also has a branch office in Port Elizabeth.

 Having been loss adjusting since 1990, Sutton has a wide experience with various types of claims. He specialises in niche markets such as sectional title, hospitality and film industries. Sutton also regularly deals with fire and business interruption claims as well as goods in transit, public/product liability and machinery breakdown.



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Time: 08h30 – 12h30




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