Construction Insurance & Guarantees Specialists in South Africa
We help contractors and businesses structure insurance and guarantees correctly — from Contract Works and Liability to Performance and Retention Guarantees.
Specialist Insurance for Contractors & Construction Businesses
At GM Financial Services, we specialise in construction and engineering insurance solutions designed to protect contractors throughout the full project lifecycle.
From Contract Works (CAR) and Public Liability to Performance, Advance Payment, and Retention Guarantees, we ensure your cover is structured correctly from the start.
We align insurance and guarantees with your contractual requirements to reduce risk and avoid costly disputes.
One Broker. Complete Business Protection.
Our relationship extends beyond project insurance. We provide a complete insurance solution to protect your entire business:
- Commercial & Industrial Insurance
- Plant & Equipment (Plant All Risks)
- Business interruption & asset protection
- Fuel guarantees and trade-related guarantees
This ensures all your risks are managed in one place — with no gaps and no duplication.
Contractors (Primary)
- Construction & Engineering Insurance
- Bonds & Guarantees
Business Protection
- Commercial & Industrial Insurance
- Plant All Risks
Specialist Cover
- Professional Indemnity Insurance
- Fuel Guarantees
Why Contractors & Businesses Choose GM Financial Services
- Specialists in construction insurance and guarantees
- Strong understanding of contracts and risk exposure
- Access to leading insurers in South Africa
- Structured solutions to reduce guarantee call risk
- A single partner to manage your entire insurance portfolio
Top 5 Guarantee & Insurance Mistakes Contractors Must Avoid
Avoid costly disputes, cash flow pressure, and rejected claims by understanding the most common mistakes contractors make.
Meet our Insurance Partners
