Guarantee specialists & construction insurance 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

Need a Construction Guarantee?

Send us your tender, contract requirements or guarantee wording, and our specialists will help you identify the appropriate guarantee solution.

Insurer and Guarantee-Provider Partners

GM Financial Services works with insurer and guarantee-provider partners to assist clients with construction guarantees, guarantee facilities and related insurance solutions.

Bryte Insurance Company Limited

Guardrisk Insurance Company Limited

Infiniti Insurance Limited

Santam Limited

Lombard Insurance Company Limited

The Hollard Insurance Company Limited

Old Mutual Insure Limited

Compass Insurance Company Limited

Renasa Insurance Company Limited

Yard Insurance [confirm full legal entity name]

GM Financial Services is an authorised financial services provider and intermediary (FSP No. 13628). GM Financial Services does not underwrite insurance policies or directly issue guarantees. All solutions remain subject to the relevant provider’s underwriting criteria, terms, conditions, capacity and approval.