Specialised Insurance

Non-standard risks require non-commodity solutions. TRUM’s specialized portfolio targets complex risk architecture, from high-stakes event cancellation to bespoke medical malpractice and leadership liability. Our contingency cover secures organizers against property loss and public liability, while Fertility-Sure provides technical risk transfer for IVF procedures. We also indemnify directors and officers against cross-border litigation and deploy crisis response for high-risk SADC operations. Each placement is bespoke, led by specialist underwriters who master the nuances of hard-to-place niche sectors.

Frequently Asked Questions

  • What is Fertility‑Sure?
    Fertility‑Sure is an insurance product designed to cover certain costs and risks associated with in‑vitro fertilisation (IVF) treatments.

  • Do I need insurance for an event?
    Event insurance protects you against liabilities, cancellations and unexpected damages during public or private events.

  • Why take out directors & officers insurance?
    D&O insurance protects company leaders from personal liability in relation to their management decisions.
  • What is crisis management insurance?
    This cover provides resources and financial support to handle emergencies such as kidnap, ransom or political violence.

  • Can niche insurance be customised?
    Yes. Every specialist policy is tailored to the specific risks of the individual or business.

Health and Specialised Services Insurance

Corporate governance and technical operations demand robust safeguarding against systemic volatility. Protecting executive decision-making and operational continuity is a strategic priority. Our bespoke solutions shield leadership from professional liabilities and address non-standard operational challenges, ensuring SADC entities maintain resilience while mitigating high-stakes risk exposures.

Insurance solutions protecting leadership and supporting business operations

Event and Entertainment Cover

Comprehensive coverage for event organizers, ensuring protection against potential risks, from property damages to liabilities.

Fertility-sure (IVF ) Insurance

Embarking on the journey of IVF can be emotionally and financially taxing. Our Fertility-sure product offers coverage, ensuring that potential risks are mitigated, allowing families to focus on the future.

Resilient Security & Crisis Response Insurance

As regional volatility intensifies, African corporates face sophisticated security threats that jeopardize both balance sheets and brand equity. Our specialist security suite addresses diverse exposures, from POPIA-compliant cyber breaches to political violence and K&R scenarios. By providing technical indemnity against these risks, we ensure firms navigate the SADC landscape with total operational resilience.

Political Violence and Terrorism Insurance

Secure SADC operations against political violence, sabotage, and terrorism, ensuring balance sheet protection during regional civil unrest.

Kidnap
& Ransom Insurance

Specialised coverage providing support and resources in the unfortunate event of kidnappings, ensuring safety and peace of mind.

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Cyber Threat Insurance

Mitigate evolving cyber-attacks with POPIA-ready cover, ensuring data integrity and digital assets remain secure against ransomware.
Security-focused insurance for cyber threats political unrest and high-risk events

Leadership & Operational Safeguarding Insurance

Why Our Specialty Solutions
Make Business Sense

Leading a business and managing its operations come with inherent risks. Ensuring the protection of leadership and the smooth functioning of operations is paramount. Our insurance solutions are tailored to shield leadership from potential liabilities and to address unique challenges in business operations, ensuring that companies can function effectively while minimizing risks.

Directors and Officers Insurance

Protect your leadership team against potential claims arising from their roles, ensuring they can lead with confidence and integrity.

Specialised sectors present unique operational challenges and risks. Addressing these requires a strategic approach to insurance, one that’s rooted in a deep understanding of industry-specific nuances

Our specialty placements act as strategic capital levers that optimize operational efficiency, reduce solvency threats, and facilitate regional expansion. Tailored risk transfer is not merely defensive; it is a tool for competitive advantage in hardening markets. Partner with TRUM to execute confident corporate decisions, knowing that every technical contingency is secured by our Lloyd’s-backed capacity.
Strategic insurance for specialised sectors with industry-specific risk insight

  • Precision-Driven Approach:
    We don’t offer one-size-fits-all solutions. Our insurance products are designed based on in-depth research and analysis of each specialized sector.

  • Comprehensive Coverage:
    From potential liabilities to unforeseen operational risks, our policies ensure that every aspect of your business is protected.

  • Cost Efficiency:
    By mitigating risks effectively, we help reduce potential financial setbacks, ensuring a better bottom line for your business.

  • Business Continuity: With the right protection in place, disruptions are minimized, ensuring smooth and continuous operations.

  • Enhanced Credibility: Being adequately insured not only protects your business but also boosts your credibility among stakeholders and clients.