Risk Labs

Real risks. Invented people. Proper insurance insights. We have created fictional characters in our risk laboratory and stress tested them through real world stories, so you can see how claims unfold before you have them. This is your early warning risk and insurance system, minus the policy speak.

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Our Insights are less focused on fictional storytelling and feature more factual risk and insurance content.

The aim is to help you make better insurance decisions.

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Risk Management

Risk Story

Cyber Insurance – Can you insure against a systemic internet collapse?

19 January 2026

This article was written by Tim Chadwick and an abridged version was published by News24 on 17 January 2026. The Day The World Went Quiet #cyberinsurance #riskmanagement The Blinking Lights Pieter van der Merwe, the IT guy at YeboYes, watched…

Risk Story

Business Interruption – Four landmines kill a R250 million business: A Chadwicks case study

14 January 2026

This article was written by Tim Chadwick and published by Cape Argus and IOL on 14 January 2026. Is Your Business Interruption Insurance A Lucky Packet? #BusinessInterruption The YeboYes Group manufacturing facility burnt to the ground on a Tuesday…

Risk Story

The unexpected guest at the Koekemoer braai

17 December 2025

This article was written by Tim Chadwick and published by News24 and Estate Living on 16 December 2025 Fine Wine, Rockslides and the Fine Print. #highnetworthinsurance When it comes to insurance, you get what you pay for — so…

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