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The number of special-risk claims in the freight transport sector in SA has doubled in the space of five years. The millions paid out have more than quadrupled in the same time period. Special-risk insurance provides a window into the country’s socio-political state. The South African Special Risks Insurance Association (Sasria) provides special-risk cover to all individuals and businesses that own assets in the country, including the government. This state-owned company, recently recognised as one of the best-managed state-owned entities, offers unique cover against risks such as civil commotion, public disorder, strikes, riots and terrorism, at affordable premiums. The company was formed following one of SA’s most defining moments, the 1976 uprisings. Today, Sasria allows businesses to restore their liquidity or operations quickly and efficiently after experiencing loss or damage due to special-risk events. This translates into preventing job losses, maintaining livelihoods, resto...

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