As we deal with the COVID-19 crisis as a nation we advise our partners to reach out to our team using their mobile numbers. Click the button below to visit the national COVID-19 Information Centre.
Emerald specialises in solution driven insurance products for corporate policy holders

Corporate Property

Engineering Classes

Accident Classes

Established in 1999, Emerald offers solution driven insurance products to corporate policyholders throughout Africa, including the Indian Ocean Islands and internationally in the Middle East, as well as the South-Central, Eastern and South-East Asian regions. Correct understanding and measurement of risk, appropriate reinsurance placement, accounting and effective claims management are all key to our underwriting approach. Emerald is headquartered in Johannesburg, South Africa and regulated by the Financial Sector Conduct Authority (FSCA), with a Representative Office in Dubai, UAE being regulated by the Dubai Financial Services Authority (DFSA), as well as a representative office in London regulated by the Financial Conduct Authority (FCA).

Our ‘A’ Rated Security
In addition to Santam’s International Standard & Poors rating, Emerald is able to offer A rated security through a binding authority from New Reinsurance Company Ltd (NewRe), whereby Emerald may use their international Standard & Poors AA- credit rating to write inwards reinsurance business. NewRe is registered in Zurich, Switzerland and is a wholly owned subsidiary of Münchner Rückversicherungs-Gesellschaft (Munich Re).

Risk Appetite & Capacity
Emerald has a USD150 million capacity throughout the African continent and Indian Ocean Islands, and a USD20 million capacity in the Middle East, and Central and South-East Asia, including the Indian sub-continent. Additional capacity can be accessed through innovative facilitative reinsurance solutions for large capacity accounts. All cover is subject to Treaty terms.
Financial
Strength
Strong GWP Growth
Consistent Net Underwriting Margin
Sustainable Net Loss Ratio



for year ending 31 December 2018

Examples of risks insured

Multinational companies

Mining process (including smelters & furnaces)

Leisure & tourism, hotel & lodge groups

Infrastructure (airports, ports, water supply & electricity suppliers)

Chemical

Political & non-political riot, strike & civil commotion, including terrorism & war if required

Petrochemical (excluding risks outside of Africa)

State & municipal entities (with or without power generating plants)

Industrial manufacturing & engineering works

Industrial food & agriculture processing

Conventional power generation (less than 300MW - risks outside of Africa only)

Mining (including underground risks)

Large retail & property portfolios

Freight & passenger rail entities (including stations & rolling stock)

Telecommunications (fixed & mobile networks)

Renewable energy (less than 300MW - risks outside of Africa only)
Subscribe to our newsletter
Subscribe to receive latest news