In business since 1988

Insurance made easy

Let's build a risk management and insurance strategy that best fits your lifestyle
and business goals.

We can plan your financial future.

Clients

Our current client base consists of more than 1000 clients spread across all sectors of the economy

Assets under administration

R2.5 billion in assets under protection

Claims

Our aim is to consistently enhance and surpass client expectations through our service delivery endeavors

OUR BUSINESS

Protecting What Matters. Empowering Your Future

At EMM, we specialize in short-term insurance solutions tailored to individuals, SMEs, and large enterprises. Whether you're protecting your home, your car, or your business, we deliver cover that fits your needs — with exceptional service you can trust.

What sets us apart?

✔️ A proactive, personalized approach to risk
✔️ Fast, transparent claims processing
✔️ Advanced digital systems for seamless support
✔️ Decades of experience in the South African insurance industry

We don’t just sell insurance — we build partnerships based on trust, protection, and peace of mind. From everyday essentials to specialized business needs, EMM helps you move forward with confidence.

Our inventive strategy and service provision deliver concrete advantages to clients, staff, and stakeholders, guaranteeing clarity in the implementation of EMM's corporate governance principles.

With, extensive expertise, and cutting-edge integrated software systems, EMM maintains its position at the forefront of this fiercely competitive sector.

Passionate, Innovative, Precise

OVERVIEW

Our Specialties

We arrange insurance coverage for clients ranging from multinational companies to individuals. Our diverse selection of products encompasses various types of insurance, such as comprehensive asset coverage, commercial and personal insurance, lifestyle coverage, and liability insurance

🔒Personal Lines Insurance

At EMM, we provide affordable and flexible short-term insurance policies designed to protect you against life’s everyday risks — from accidents and theft to property damage and more.

Our personal lines insurance includes:

Home and contents insurance for theft, fire, and damage
Vehicle insurance for personal cars, motorcycles, and more
Valuables cover for items like electronics, jewelry, and collectibles
Personal liability insurance to protect you against third-party claims
Accidental damage protection for unexpected mishaps

With deep industry knowledge and carefully curated products, we deliver high-quality personal insurance solutions that are tailored to your unique needs — whether you’re insuring your home, car, or valuables.

Our goal is simple: to get you back to your pre-loss position quickly and efficiently with fast claims processing and reliable cover you can count on.

🏢 Commercial Insurance

Smart, Reliable Cover for Your Business.

We provide comprehensive short-term commercial insurance tailored to protect your business from financial loss — no matter the industry or size.

Our commercial insurnace solutions caters for everything from:

Property damage at your business premises
Employee injuries and workplace incidents
Business interruption due to unforeseen events
Commercial vehicle insurance
Legal liability and third-party claims

With years of industry expertise and deep product knowledge, our team delivers customized business insurance solutions that align with your specific risks and goals — ensuring your company stays protected and resilient.

🌾 Agricultural Insurance

Protecting Your Farm, Your People, and Your Livelihood

We specialize in short-term agricultural insurance designed to safeguard farmers against the unique risks of the farming environment — from natural disasters to equipment damage and workforce-related incidents.

Our agricultura insurance solutions includes protection for:

Crops, livestock, and farming infrastructure
Farm vehicles and machinery
Workforce injury and liability cover
Weather-related risks and unforeseen losses

Crafted with deep industry knowledge and tailored for the realities of modern farming, our Agri policies provide reliable protection that keeps your operation running — rain or shine.

🛡️ Risk Management Services

Proactive Protection for a Resilient Business

Risk management isn’t an afterthought — it’s at the core of what we do. In today’s fast-moving world, businesses can’t afford to be blindsided by unexpected disruptions.

Our risk management solutions help you identify, assess, and minimize threats that could impact your operations, people, or assets — ensuring business continuity and peace of mind.

We specialize in:

Risk assessment and analysis
Loss prevention planning
Operational risk reduction strategies
Custom mitigation plans tailored to your business needs

With expert guidance and a proactive approach, we empower you to make informed decisions, reduce exposure, and stay ahead of risk — not behind it.