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.

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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.

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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.

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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 hospitalization.

Guardrisk Corporate and Commercial Group Personal Accident

Your personal accident employee benefit solution.

Guardrisk Motor

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


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.

Guardrisk Commercial

The insurance landscape has changed vastly. Does your current commercial offering cater for ever-evolving change?

Guardrisk Individual and Family Group Personal Accident

Voluntary personal accident cover for you, your family and employees.

Guardrisk Corporate

Property damage and business interruption bespoke insurance coverage for corporate clients.

Guardrisk Schools

Your individual solution to comprehensively protecting your school assets.

Guardrisk Schools Group Personal Accident

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

Guardrisk Construction and Engineering

Construction and Engineering products backed by specialist and knowledgeable underwriters.

Guardrisk Guarantees

Designed for contractors, sub-contractors and suppliers

Guardrisk Liability

Specialist liability insurance tailored to suit your clients needs.

Guardrisk Marine

Tailored cover to suit your clients (business or individual) marine insurance needs including personal lines insurance for smallscraft

Private Edge

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

Guardrisk Motor Traders

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

Guardrisk Municipal

The Municipal facility provides insurance capacity for the Municipal sector within South Africa.

Latest News

12 September 2023

Guardrisk announces new CEO, Lourens Botha

Guardrisk’s Financial Director, Lourens Botha, will take over the reigns as CEO in September 2023, when Herman Schoeman retires after […]