About Us


Professional Risk Underwriters Africa is the division responsible for General Liability and Professional Indemnity classes of Insurance in South Africa and into Africa. Cover is available on a Primary, Excess layer or Umbrella basis.


We are focussed on creating longstanding partnerships with clients and intermediaries / brokers to ensure the best, and more importantly correct, cover is provided. We realise every business is different and have unique needs when it comes to the right insurance Policy (or Policies).


Professional Risk Underwriters Africa consist of a continuously growing team of highly practised specialist professionals, who are extremely dedicated and committed to service excellence. We pride ourselves in our understanding and assessment of various risks and undertake to be decisive in our underwriting response.


Whilst our focus is on the Small, Medium and Micro Enterprises (SMME’s), we have the skill, expertise and capability of writing larger and more complex risks.


In association with the intermediary / broker, we become a part of our clients’ business strategy.


We are an approved Coverholder at Lloyd’s. For more information on Lloyd’s please visit www.lloyds.com/Africa

Product Range


General Liability


(R200 million Limit)


Providing protection for our clients’ business in the form of Combined General Liability Insurance. Cover is on a Broadform, non-accidental, basis and protects against injury and/or property damage occurring to others as a result of the business operations.


The standard General Public Liability cover can be extended to include Pollution, Employers, Products and Contractors Liability.


Industry specific cover, including full Product Inefficacy, Product Guarantee (including Recall), Security Liability, Negligent Advice, Custody & Control, Warehousemens’ & Carriers’ Liability. Other covers available on request.


Types of industries that we typically cover:


    Contractors & Artisans (i.e. plumbers / carpenters / construction firms etc.)

    Accommodation and Food Services

    Service (i.e. cleaning / garden etc)

    Event Planners

    Agriculture & Forestry

    Wholesale & Retail

    Manufacturers & Assemblers

    Security Companies


Additional industries will be considered per request.


Chartered Accountants Professional Indemnity Mutual (“CAPIM”)


Service Providers to CAPIM, providing Professional Indemnity to Chartered Accountants and their firms registered with The South African Institute of Chartered Accountants (SAICA). Cover is underwritten, managed and administered Professional Risk Underwriters Africa and Guardrisk Insurance Company Limited (Guardrisk) is the Insurer.


Professional Indemnity


(R100 million Limit)


Many professionals are required to have this cover due to their respective industry or association requirements, others as peace of mind and to ensure they are not found liable for legal fees and compensation payments.


If our clients’ business provides a professional service or regularly gives advice, in exchange for a fee, they should consider Professional Indemnity Insurance.


Types of Professions that we typically cover:



    Architects, Interior Designers and Town Planners

    Engineers Quantity and Land Surveyors

    Project Managers

    Insurance Intermediaries

    Management, Environmental and IT Consultants


    Estate Agents


Additional and miscellaneous classes will be considered per request.

Contact Us

Physical Address:

Postal Address:

Contact Details:

Coral House

20 Peter Place

Lyme Park



P.O. Box 72767

Lynwood Ridge



Tel: (+27) 861 000 412

E-Mail: gary@proriskafrica.co.za

Web: http://www.prua.co.za