Presentation of construction insurance offering from Deo Gratia Insurance Brokers, Independent Transparent and Certified. Deo Gratia Brokers currently insures contractors that are conducting annual contract works from as little as R5 Million up to R100 Million per year. We are licensed to provide construction and commercial insurance from: Hollard, Mutual and Federal, Mirabilis (Santam), ONE, Consort, Lombard Insurance Company.

2. WHY DEO GRATIA
Because as brokers we are
business owners looking
out for you...
other business owners.

3. Our clients are located all over South Africa and they know that by being a
Deo Gratia client they are neither over or under insured and they pay
competitive premiums
OUR CLIENTS

4. If a broker is aligned with a “preferred” insurer
will you be getting unbiased advice?
If a broker is given an extra incentive to place your
business with a “preferred” insurer do you think
that the broker is being truly objective to your
needs?
Deo Gratia has no preferred insurer and we
receive no incentives other than the standard
FSB regulated commission and R50-00 admin
fee per policy
INDEPENDENT BROKERS

5. 1. Dedicated claim desk for each broker
2. Shares an office with the Brokers –
everyone knows about your claim
at all times
3. We know we get judged by how we
handle claims
CLAIMS

6. VARIOUS TYPES
OF INSURANCE

7. TODAY I WANT
TO TALK ABOUT…
Construction

8. 3 BASICS OF
CONSTRUCTION INSURANCE
Minor works policy - smaller contractors that usually work under a larger
contractor and or work on smaller contracts as the principle.
Plant and Equipment policy - for those contractors or hire companies that have
large plant and equipment, various options available but clarity and full
understanding required regarding the clients expectations of replacement of
equipment and replacement values of equipment.
Major works policy - where the insured is the principle party and has
subcontractors working on the project. Understanding here of the main
contract and parties to the contract is important.

9. 7 CORE COMPETENCIES OF A REPUTABLE
CONSTRUCTION INSURANCE SPECIALIST BROKER
Understanding of the project
contract - original contract and
contract law (JBCC, FIDIC, NEC
etc..)
Liability knowledge - when is
professional indemnity required
and by whom - refer to parties to
the contract?Actual parties to the construction
contract - who plays what role,
what are their duties to each
other?
The construction contract - what
are the general conditions and
what standard contracts are being
used?
The construction policy -
(insurance policy) the who, when
what and how?
Risk Assessment - what are the
different risks for the different
types of construction, what are
the other unseen risks?
Construction claims - how does
the broker handle the claim

10. MULTIPLE LICENSES
Truly Independent Advice

11. EASY TO INTERPRET QUOTE
ANALYSIS
Differences in Cover Highlighted and Discussed

12. A HAPPY STORY
My story involves THE ORIGINAL CONTRACT, the PRINCIPLE
CONTRACTOR, the CONSTRUCTION POLICY, CONSTRUCTION CLAIMS
and PARTIES TO THE CONTRACT

13. SUMMARY
Deo Gratia Brokers is an independent, privately owned, FSP Compliance
insurance brokerage providing bespoke insurance to business and individuals.
With the benefit of more than 40 years of brokering experience, our
independent brokers are all experts in commercial and specialised commercial
insurance such as construction, engineering, commercial properties,
manufacturing, agricultural, hospitality and liabilities.
All our brokers are business owners, so you as our clients are always talking to
the most senior person in the organisation.
We have be making our customers happy about insurance since 1999.
Deo Gratia Promise:
• Independent, suitable and non-aligned advice
• Transparent fees
• Guaranteed access to a qualified broker.

14. CONTACT
www.dgbrokers.co.za
Andre Benjamin Swart
Deo Gratia Insurance Brokers
012 361 0246
https://za.linkedin.com/in/andrebenjaminswart
Twitter: @andre_b_swart