Guardrisk is the leading provider of cell captive business and alternative risk transfer solutions in South Africa. We provide tailor-made risk financing solutions that include access to a broad panel of related services and professional reinsurance markets. We also provide commercial and corporate general insurance, including selected niche non-life cover.


How Guardrisk works for you

Guardrisk is the undisputed market leader in cell captive insurance and risk solutions and we are renowned for our innovative approach to cell captive structures and other alternative risk transfer solutions for our clients.

prmo icon

Unique Offering

Cell Captive arrangements provides clients (cell owners) with a ring fenced facility where they own their own insurance product(s) which includes underwriting, actuarial, legal, compliance and financial reporting services without the inherent costs and lengthy processes of setting up an insurance company.

prmo icon

Our Benefits

Guardrisk offers its clients custom designed cover and is registered in South Africa as an insurer for most statutory classes of non-life and life insurance business. We help companies insure and finance risk exposures by undertaking a strategic study of the risk exposures.

prmo icon

Who We Help

We provide services and solutions to corporates who are serious about risk management, those who face complex or expensive risks and those who want to sell their own branded insurance products.

Featured Products


A non-life medical insurance cover designed to cover shortfalls in medical expenses in the event of hospitalisation.


Your personal accident employee benefit solution. Protect your employees against any potential shortfalls under their existing employee benefits programme.

AURA – Motor Facility

A specialist motor underwriting facility focused on providing tailor made solutions for commercial and corporate fleet motor portfolios.

AURA – Bus Facility

Protecting bus operators’ mobile assets and ensuring passengers’ peace of mind.


An innovative insurance solution that caters to the specific insurance needs of the entrepreneurial business.


Through its strategic partnership with Avis Rent-a-Car, Carsure focuses on satisfying the needs of individuals who experience loss of use of their motor vehicles.


Voluntary Road Accident & Personal Accident Cover for you, your family and your employees.


Protection for family or staff exposed to kidnapping risks.


Your individual solution to comprehensively protecting your school assets.

Educ8 PA

Your personal accident schools benefit solution. Protect your learners and employees against any accidental events.

Guardrisk Engineering and Guarantees (C&G)

C & G Group offers Tailor-made engineering insurance in all classes of engineering insurance.

Guardrisk Marine Underwriting

Tailored cover to suit individual client needs at competitive premiums, with maximum coverage.

Private Edge

Covers the public relations costs necessary to manage a crisis that may result in a financial loss.


Retail motor industry solution (assets, liabilities and motor traders).

The Municipal Insurance Facility

The Municipal facility provides insurance capacity for the Municipal sector within South Africa. Our strong focus is on the Local and District Municipalities.

Latest News

18 July 2019

Price should not be the deal breaker when it comes to employee benefits

In the current tough economic environment, employees constantly battle with the ever-increasing prices of necessities. They must also focus on […]

18 July 2019

Guardrisk provides tailor-made insurance for local grain farmers

The Agnovate Multi-Peril Yield Insurance product is designed to mitigate risks specific to the South African agricultural industry. Guardrisk, in […]

16 May 2019

Guardrisk General Insurance Video

Guardrisk General Insurance has been billed as “the next exciting phase of Guardrisk’s continuous evolution”, the launch of GGI heralds […]