At Excess Risk Consultants, we believe insurance should provide confidence when it's needed most.
While traditional insurance policies are designed to cover losses, many policyholders still face significant excess payments and unexpected costs when submitting a claim. Our purpose is simple: to reduce financial burdens and provide protection when it matters most.
Our Story
Every insurance policy promises protection, yet when disaster strikes, many individuals and businesses discover they are still responsible for part of the cost.
Recognising this gap in the market, Excess Risk Consultants was established to provide specialised excess reducers and value-added insurance solutions that work alongside existing insurance cover.
Since our inception, we have focused on protecting individuals, homeowners, businesses, fleet operators and transport companies from the financial impact of excess payments and claim-related expenses.
Through innovative products and a client-focused approach, we continue to deliver practical solutions that provide greater peace of mind and financial security.
Today, we proudly partner with more than 233 brokerages across South Africa, helping brokers and their clients access specialised protection solutions designed for real-world risks.
Our Mission
To provide innovative and tailored excess reducer solutions that complement existing insurance cover. Through strong broker partnerships, exceptional service, and client-focused innovation, we aim to reduce financial risk, enhance protection, and deliver sustainable value to our clients and stakeholders.
Our Core Values
Integrity
We conduct business with honesty, transparency, and professionalism, building long-term relationships based on trust and accountability.
Partnership
We believe strong relationships create lasting value. We work closely with brokers, insurers, and clients to achieve shared success.
Client-Centric Service
Our clients and broker partners remain at the centre of everything we do. We focus on delivering responsive service and practical solutions that make a meaningful difference.
Innovation
We continuously innovate and develop products that address emerging risks and close the gaps often left by traditional insurance cover.
Our Vision
To become South Africa's leading specialist in excess reducers and risk management solutions by setting the standard for innovation, trust, and customer-focused protection.
Behind Excess Risk Consultants is a dedicated team of insurance professionals committed to delivering exceptional service and specialised expertise.
At Excess Risk Consultants, we do more than provide products. We build long-term relationships based on trust, expertise, and service excellence.
Whether you're a policyholder seeking additional protection or a broker looking to enhance your client offering, our team is ready to assist.