One point of contact, a vetted specialist behind every service

01

Replacement Valuation

Delivered by our valuations partner

An independent replacement-cost valuation so the scheme is insured for what it would actually cost to rebuild.

The scheme must be insured for replacement value and that value reviewed at least every three years. Where a valuation is out of date and the sum insured falls short, an insurer may apply average — settling a claim in the same proportion as the shortfall — so a scheme insured for 70% of its value can recover 70% of its loss.

What you receive

• Measured replacement-cost valuation of all buildings
• Common property and boundary wall values
• Sum insured recommendation for the policy schedule
• Certificate for your broker and insurer

02

Health & Safety File

Delivered by our health & safety partner

The Construction Regulations file the scheme should hold when contractors work on site.

Once a contractor works on common property, the body corporate carries duties as a client under the Construction Regulations. The file is what discharges them: appointments, risk assessments, method statements, contractor vetting and incident procedure, kept current and available for inspection.

What you receive

• Baseline risk assessment for the complex
• Appointments and legal appointment letters
• Contractor vetting and induction pack
• Emergency and incident procedures

03

Fire Compliance Assessment

Delivered by our fire compliance partner

Inspection against SANS 10400-T and the local by-laws, with a costed schedule of what needs to change.

Unconfirmed fire compliance is a live exposure: an insurer can question a fire claim where escape routes, signage or servicing records cannot be evidenced. An assessment establishes where the scheme stands on escape routes, signage, extinguishers, hydrants, hose reels and emergency lighting, and what it takes to close each gap.

What you receive

• Inspection against SANS 10400-T and local by-laws
• Gap register with photographs
• Costed remediation schedule
• Re-inspection on completion

04

Insurance & Cover Review

Delivered by our insurance partner

An independent read of your policy schedule against what the Act requires and what the scheme actually faces.

Covers sums insured, fidelity cover, public liability limits, excess structures and the exclusions that matter. Where cover falls short of the statutory minimum, we say so plainly and quote the correction.

What you receive

• Policy schedule reviewed against statutory minimums
• Fidelity and public liability adequacy check
• Claims history and loss-ratio analysis
• Written recommendations for renewal

05

Trustee Indemnity Cover

Delivered by our insurance partner

Cover for trustees held personally liable for a decision taken on behalf of the scheme.

Trustees act in a fiduciary capacity and can be pursued in their own names. Indemnity cover responds to the defence costs and any award, which is what makes it possible to recruit competent trustees at all.

What you receive

• Cover placed for the current board
• Retroactive cover reviewed
• Annual renewal handled with the scheme's policy

06

Geyser Management Programme

Delivered by our geyser management partner

A managed register and replacement cycle for one of the most preventable sources of claims.

A burst geyser is a preventable loss: age and condition are knowable in advance. We build the register — age, make, location, last service — and replace on a planned cycle rather than on burst, which moves the cost from an emergency claim to a budgeted line item.

What you receive

• Full geyser register with age and condition
• Planned replacement schedule
• Managed installer panel and rates
• Claim support when a loss does occur

07

Trustee & Body Corporate Training

Delivered by our educational partner

Practical grounding in the Act, the rules and the meetings, for people who did not ask to become property managers.

Most trustees are volunteers who inherited a legal duty they were never briefed on. A short, plain-language course covering the STSMA, the prescribed rules, budgets and levies, meeting procedure and the CSOS dispute process removes most of the avoidable mistakes.

What you receive

• Half-day session, on site or online
• STSMA and prescribed rules in plain language
• Budgets, levies and reserve fund basics
• Meeting procedure and CSOS dispute process