WHY DEO GRATIA

Because as brokers we are business owners looking out for you... other business owners.

Our clients are located all over South Africa and they know that by being a Deo Gratia client they are neither over or

under insured and they pay competitive premiums

OUR CLIENTS

If a broker is aligned with a “preferred” insurer will you be getting unbiased advice?

If a broker is given an extra incentive to place your business with a “preferred” insurer do you think that the broker is being truly objective to your needs?

Deo Gratia has no preferred insurer and wereceive no incentives other than the standardFSB regulated commission and R50-00 admin fee per policy

INDEPENDENT BROKERS

1. Dedicated claim desk for each broker

2. Shares an office with the Brokers – everyone knows about your claim at all times

3. We know we get judged by how wehandle claims

CLAIMS

VARIOUS TYPES OF INSURANCE

TODAY I WANTTO TALK ABOUT…

Construction

3 BASICS OF CONSTRUCTION INSURANCE

Minor works policy - smaller contractors that usually work under a larger contractor and or work on smaller contracts as the principle.

Plant and Equipment policy - for those contractors or hire companies that have large plant and equipment, various options available but clarity and full understanding required regarding the clients expectations of replacement of equipment and replacement values of equipment.

Major works policy - where the insured is the principle party and has subcontractors working on the project. Understanding here of the main contract and parties to the contract is important.

7 CORE COMPETENCIES OF A REPUTABLE CONSTRUCTION INSURANCE SPECIALIST BROKER

Understanding of the project contract - original contract andcontract law (JBCC, FIDIC, NEC etc..)

Liability knowledge - when is professional indemnity required and by whom - refer to parties to the contract?

Actual parties to the construction contract - who plays what role, what are their duties to each other?

The construction contract - what are the general conditions and what standard contracts are being used?

The construction policy - (insurance policy) the who, when what and how?

Risk Assessment - what are the different risks for the different types of construction, what are the other unseen risks?

Construction claims - how does the broker handle the claim

MULTIPLE LICENSES

Truly Independent Advice

EASY TO INTERPRET QUOTEANALYSIS

Differences in Cover Highlighted and Discussed

A HAPPY STORY

My story involves THE ORIGINAL CONTRACT, the PRINCIPLE

CONTRACTOR, the CONSTRUCTION POLICY, CONSTRUCTION CLAIMS and PARTIES TO THE

CONTRACT

SUMMARY

Deo Gratia Brokers is an independent, privately owned, FSP Compliance insurance brokerage providing bespoke insurance to business and individuals.With the benefit of more than 40 years of brokering experience, our independent brokers are all experts in commercial and specialised commercial insurance such as construction, engineering, commercial properties, manufacturing, agricultural, hospitality and liabilities.All our brokers are business owners, so you as our clients are always talking to the most senior person in the organisation.We have be making our customers happy about insurance since 1999.Deo Gratia Promise:• Independent, suitable and non-aligned advice• Transparent fees• Guaranteed access to a qualified broker.

CONTACT

www.dgbrokers.co.za

Andre Benjamin SwartDeo Gratia Insurance Brokers012 361 0246

https://za.linkedin.com/in/andrebenjaminswartTwitter: @andre_b_swart