We are a specialist insurance broker for the mining and marine sectors across Sub-Saharan Africa. We quantify your risk, structure the insurance programme around it, present it to underwriters with evidence, and advocate for you at claim stage. We are not an insurer — we act for you, the client.

Because the mine stops earning long before the asset is rebuilt. Long lead-time equipment — a primary mill, a winder, a key substation — can mean an outage measured in months, not weeks. Across two decades of significant insured mining claims, business interruption accounts for roughly 80% of total gross losses, while the physical damage is a much smaller share.

It is a site visit with your engineering team. We map every single point of failure, rank critical assets by lead time and revenue dependency, and stress-test your indemnity periods against real replacement timelines. You receive the findings as a criticality register and an underwriter-ready evidence pack — whether or not you place cover through us.

Considerably. Under-declaring business interruption values triggers the average clause, which reduces the settlement proportionally. A mine that declares R65m against an actual annual gross profit of R100m may recover roughly R42m on a total loss — leaving a shortfall of around R58m uninsured. Declared values should be reviewed annually.

These figures are illustrative and do not represent an actual claim or a forecast of any outcome.

Yes. The property and business interruption market has softened, with double-digit rate reductions and roughly US$1.5 billion of capacity available per single mining risk. Operations that can evidence their risk management are commanding the best terms in years. Well-presented risk earns materially better outcomes.

GISTM alignment is now a baseline underwriting expectation rather than a differentiator. Independent monitoring, engineering audits and documented environmental compliance systems are what earn terms. We help present that evidence in a form underwriters can price.

SASRIA provides cover for strike, riot and civil commotion in South Africa. Mining operations face labour unrest, illegal mining, theft and sabotage — exposures that standard property policies exclude. We understand the important extensions to SASRIA cover and apply these proactively within your portfolio, closing gaps where others are not thinking about it.

Power instability and water scarcity are now systemic risks across the region and are primary business interruption triggers. Cover is available but depends heavily on the resilience measures you have in place — backup generation, hybrid energy systems, water recycling and on-site storage. We advise on both the insurance and the mitigation.

Yes. Marine and inland transit is core to our practice — concentrate and equipment moving by road, rail, port and sea, often across multiple jurisdictions. We structure cover that follows the goods rather than stopping at the mine gate.

We act as your claims advocate. That means quantifying the loss properly, presenting it with the evidence underwriters need, and pushing for a settlement that reflects the policy you actually bought. Claims advocacy is where a specialist broker earns their place.

MineTrans is a division of Donaldson Advisory Group, an authorised financial services provider, FSP No. 53166, in terms of the Financial Advisory and Intermediary Services Act 37 of 2002. Full compliance and complaints procedure details, including referral to the FAIS Ombud, are available on request.

One conversation, then one site visit. Contact us on +27 11 568 8472 or jp@daginsure.co.za and we will arrange a critical-asset survey with your engineering team.