Guardrisk’s 2021 Business Report is now available…


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.

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S50 Transfer of Insurance Business from Guardrisk Life Limited to Emerald Life Limited

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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 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.


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.


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

Guardrisk Engineering and Guarantees offers tailor-made engineering insurance in all classes of engineering insurance.

Guardrisk Marine

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).

Guardrisk Municipal

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

25 February 2022

Mining rehabilitation regulations nearing finality but one stumbling block remains

The Minerals Council South Africa, representing the mining industry, and the Department of Environmental Affairs have been consulting and negotiating […]

18 February 2022

Guardrisk credit rating reaffirmed

The Guardrisk Group has had its credit ratings reaffirmed by Moody’s Investors Services. The group’s local businesses, Guardrisk Life and […]

7 February 2022

ART trends in 2022

While the global economy is showing green shoots of recovery, dwindling reinsurance capacity and increased premiums, typical of hardening markets, […]