simplifying IT
IT STAFFING SOLUTIONS More and more hard-pressed councils are turning to innovative finance to transform their business model. Public services face increasing cuts. Arts & Culture funding faces battles of its own.
consulting billing staffing CRM
Cherokee Digital As infrastructure risk advisors we are familiar with the requirenments of data analysis, along with the benefits of data insight that can be pooled and shared across the organisation.
For insurers Our Data @ Terminal information management connects directly with brokers’ desks at London Market – Lloyd’s of London and re-insurers.
SaaS on a monthly basis: EC3 and CH. (Zurich)
• Innovation & Recruitment form the backbone of services for Office of The 3rd Sector. • 3 Sector Support is avaiable pcm: ‘as a subscription’. rd
tec hnology consulting
• Available with Microsoft Office 365 and Exchange. • Book-keeping and IT available as subscription option. • Fully insured. Limited liability. SIPP managed pension. pensions.
technology Agency for Office of the 3rd Sector + 44 77 56 44 10 37 ph + 44 117 9558144 fax www.kitky.co.uk
consulting
IT solutions that work for your business. AGENT FOR OFFICE OF THE 3 RD SECTOR.
CRM Service as a subscription. Platform as a Service
CUSTOM SOLUTIONS
Customised software service
With turnkey ‘fair pay’ contracts and services of
.
ADR available by subscription, grievances are At Cherokee Digital we believe in putting the client firmly in control. With employee-owned providers of
rare, and disputes settled with fully insured cover by Cicero ADR. Choose pay-as-you-go legal
public service ranging from housing delivery to care providers our IT support is available as a ‘turnkey’
IT SUPPORT SOLUTIONS
service. Call centre management as standard, value guaranteed.
expenses’ cover or subscribe to General Counsel services, Apply to us directly.
• SERVER MAINTENANCE & CLOUD.
WEB SOLUTIONS • INTEGRATE WITH OFFICE 365. • SHARE DOCUMENT X-CHANGE. • CONNECT DIRECTLY WITH
flexible solutions for risk management: via CRM
Employee-owned companies achieve significantly higher rates of retention and reduce staff turnover.
EBUSINESS SOLUTIONS The effective organisation displays its design
BROKERS. • GENITUS, TE VERO, ERAT.
APPLICATION MANAGEMENT
ENTERPRISE MANAGEMENT
through its daily operation. This ‘show and tell’
Case workers have access to latest desktop
Communication takes three. One to record,
approach forms the basis of insurer validation,
tools for information management in a context
and another to disseminate, and a third: to
whether in a hospital, operating theatre, school or
fully
observe. As Agent for Office of The 3rd Sector
public-facing front-line service.
GDPR-compliant
with
regulatory
requirement.
we observe change as it occurs and report to
Health and housing provide two areas in which
decision-makers in order that resources can
synergies can be achieved, without unneccesary
be managed, safely, securely, and to best
duplication of service by means of ‘turnkey’
effect.
application management and call handling.
That’s why public service leaders turn to us for
response to each case.
information management.
WE’VE WORKED WITH A DIVERSE CU STOMER BASE. Is your data analysis ‘people ready’? At Cherokee Digital we are part of the Apache Open Software Project. Open Data means insights can be shared instantly.
Travel Cover & Life Assurance: - by design.
The 'Cleaner Ocean Foundation' (COF) is a charity that is dedicated to achieving its objects, one of which is ocean conservation and another tackling climate change. We aim to achieve our objects in a number of ways incidental to our main ideals, via practical research into ways of filtering plastic from seawater and with our ocean awareness initiatives and by developing low carbon waterborne transport. COF is also keen to promote the blue and ocean economies to provide jobs for a circular economy in a changing world, provided that such exploitation is non-polluting and therefore sustainable, hence all revolving around our main conservational objectives and advocacy. We are also advocates of zero carbon shipping. We use our test tank facilities to design solar and wind powered vessels and by doing this inspire others to look at other ways of delivering goods around the world.
These are United Nations agendas that we are committed to supporting as best we may. We do this by educating the public with talks on ocean waste and potential solutions, and with our hands-on research into ways of conserving the oceans using machines that filter plastic from seawater and recycle it
Whatever you make of the outcome of the Katowice conference, the question of ‘transport’ remains uppermost in the minds of ‘city planners. Here in Sweden, we have a word: ‘tydlig’ which indicates that an evident plan be made plain. In 2019 some of us will be making journeys. How and where that power comes from, both at source of voyage and destination requires a series of contingencies that form the basis of Co-operation in Europe. Here at Green City Ferries we rely on transport to enable co-operation with our destination port partners to ensure safe transit of people and goods. With an international language at our fingertips, we are able to crossreference passenger manifest with needs of destination port requirements of insurance, ensuring smooth and rapid transit – powered by: ‘electricity’. Green City Ferries
Where Design meets passenger comfort safety. Stockholm.
For all your passenger transit needs. Stockholm Agents for Green Energy.
The 'Cleaner Ocean Foundation' (COF) is a not-for-profit company (charity) without share capital that is dedicated to ocean conservation, the use of renewable energy and climate change awareness as it affects ocean chemistry. The Foundation is dedicated to informing all administrations as to technological advances or technology that may alleviate the harm humans are causing to planet earth by using fossil fuels and disposing of waste irresponsibly. The term “environmental advocacy� refers to a wide variety of careers, avocations, and activities. It includes work in certain forms of environmental law and environmental policy, careers with mainstream environmental groups (such as Sierra Club or the Nature Conservancy), working with other advocacy groups (such as P.I.R.G.s), and being a part of more radical activist groups. The focus could be on human use of nature, such as in regional or urban planning. It also includes more personal advocacy, such as writing letters to the editor, going to community meetings, and participating in protests. There are many charities that are environmental advocates. These include Greenpeace, Friends of the Earth, World Wildlife Fund and many, many more. Environmental Advocacy involves both protecting the public from environmental hazards and protecting the natural world. Advocates organize a group around a cause and work to implement changes that have a lasting and positive effect. For example, a community group with an advocate (leader) may lobby state legislature and educate the public to help pass a public-health bill that they feel is important. The objective of any environmental advocatory services or advice to governments in general is for the sole purpose of delivering the Foundation's charitable objectives and the advancement of human knowledge. If called on, the Foundation will respond to invitations to give evidence or other environmental advocacy needs.
Having somebody stand up and say, I want London to be zero carbon by 2050 and I’m here and my team is here to help and support you to do that; infrastructure risk capital management (RCM) is ‘mission-critical’.
With 9 million inhabitants, London is a global city brimming with ideas, energy and expertise. It’s no coincidence that such an economic powerhouse has big ambition when it comes to reducing emissions. Aligned with the Paris Agreement, Mayor Sadiq Khan has set a bold target for the capital, to be zero net carbon by 2050. For London, switching to renewable energy is fundamental to reach their climate goals. Whether it’s encouraging residents in the poorest boroughs to switch to green energy - reducing costs - or driving companies to think about their purchasing. Across the city, there is a democratic movement of people taking control over their environment.
Shirley Rodrigues, Deputy Mayor for Environment and Energy, London
I think we’re past the stage where the car was something you built the city around. Cities will house 68% of the world’s population by 2050. With such accelerated growth comes pressure on transportation networks. By midcentury, these networks will need to handle an extra 2.5 billion journeys. For the city of Stockholm, decarbonizing the transport system is seen as the last hurdle in their journey to be fossil fuel free by 2040. Achieving this ambitious goal means the city is turning to bikes, buses, trams and zero-emission ferries, solutions which aid the transition away from private car ownership. From just 8% of buses being fossil fuel free in 2007 to a practically fossil-free fleet in 2018, there is no denying the ambition, political will and spirit of public/private collaboration that is taking place in the city. There are lessons here for cities worldwide.
Hans Thornell, Founder and CEO, Green City Ferries
You can play an invaluable role by establishing your Legacy today! You can use the space provided below to make your own ‘Living Will’. ……………………………………
Any such representations that may be undertaken is incidental to the aims of the Foundation in furtherance of information dissemination and education, rather than its sole objective.
Insurance & Digital economy = insurtech There is no longer the need for the considerable expense and risks related to setting up and managing your own insurance license and technology stack. With Root insurance, clients can prototype and launch compliant new insurance products in weeks, as opposed to months. Selling insurance through digital mediums is now easier than ever before. Fully backed by Guardrisk, Root insurance provides insurance-as-a-service. Root insurance is a technology platform that connects software innovators to Guardrisk insurance licenses, packaging all the key regulated services along the insurance value chain behind a developer-friendly API. All clients need to do is think about their customers and the differentiated experiences they would like to deliver to them. That vital first step towards digital transformation is now easy to take.
Key Benefits
Increased profits from insurance through increased agility and continuous innovation Increased velocity in new product launches Minimal up-front costs, hassles and delays Full digital audit trail Automatic enforcement of compliance rules Automated regulatory reporting Comprehensive, user-friendly management interface Consistent delivery of client’s own differentiated customer experience Seamless integration into client’s existing channels and flows Customised customer communications
Client Profile
Medium and large brands wishing to launch insurance to their customers, inexpensively and without the hassle Large brands wanting to take their insurance businesses to the next level by going digital, increasing agility and reducing mindshare on compliance and reporting.
Are you a start-up wanting to overcome barriers to entering insurance? We provide ADR in Africa for Family Office investment. Through www.incledoncape.co.za and www.incledon.co.za we look to enable Legacy Funds invest in sustainable African development with and through relevant ‘insurtech’ opportunity for intermediaries and advisors.
Critical Insurance Income Replacement Linked Investments
Our Vision
To be clients’ partner of choice for unconventional risk solutions and affinity structures.
Products offered on Non-Life Licence
According to Herman Schoeman, CEO of Guardrisk, joint ventures are the way to go for insurers wanting to stay ahead of the pack. To this end, Guardrisk has established a partnership with Root Insurance, whose insurance services are supported by Guardrisk’s parent company, MMI Holdings. The Root Insurance InsurTech platform is the first of its kind in South Africa, and one of only a handful of such platforms globally. “This platform will enable us to develop products in record time, offering clients more choice and better value for money. And, although the digital revolution has come a little later to the insurance industry than to other sectors, there is no doubt that the arrival of InsurTech will have a significant impact on how insurers develop and distribute their products in future,” says Schoeman. Although, entering the industry has been quite challenging for new InsurTechs, they are definitely here to stay and will start making waves in the coming years. “Insurers that don’t embrace InsurTech will find themselves left behind,” predicts Schoeman. Guardrisk’s cell structure offers clients an equity participation in a licensed insurer through a shareholding agreement. The structure is likened to that of a honeycomb with separate classes of shares and each class comprising a business cell. Each cell is represented by a separate class of ordinary shares with specified dividend rights. Clients subscribe for these shares and the client, as cell owner, is afforded the risk financing and conventional insurance capabilities enjoyed by a licensed insurer. Cells are a valuable risk management tool, providing companies with a vehicle in which to write their own insurance risks. Risks which are typically insured in a cell are excess buy down layers or risks which are uninsured or uneconomical to insure in the conventional insurance market. Risk identification is based on a sound understanding of the client’s business and its associated risk spectrum. Cells allow participants to access the conventional insurance and reinsurance markets directly and cost-effectively to cover the excess and catastrophe exposures. Cells are a useful corporate governance and risk management tool as they provide organisations a single vehicle in which to insure all enterprise related risks.
Why choose Guardrisk to open a cell captive?
It is easy to do business with Guardrisk – our entrepreneurial spirit drives us to tailor-make innovative solutions that suit your business’ insurance needs.
1. PURPOSE MMI’s purpose is to enhance the lifetime financial wellness of people, their communities and their business.
2. RESPONSIBILITY AND ACCOUNTABILITY The MMI responsible investment policy is aligned and integrated with the company’s purpose and is approved and practically implemented and maintained by the Momentum Investments Exco.
3. POSITION ON RESPONSIBLE INVESTMENT MMI acknowledges that we are in a privileged position to act as fiduciary to our clients and stakeholders. We strive to promote financial wellness for our clients and our values will always remain our foundation pillars. These values are accountability, diversity, excellence, innovation, integrity and teamwork. Responsible investing is part of our core belief and sustainable and responsible investment practices are a material factor underpinning our long term success. MMI considers the environmental, social and governance risk of assets in which we invest to be relevant to the performance of the overall objective – across all asset classes, sectors, markets and through time. MMI endorses and where practicable practices the definition of Responsible Investment, adopted from the report Fiduciary Duty in the 21st Century1 This is an approach to investment that explicitly acknowledges the relevance to the investor of environmental, social and governance (ESG) factors and of the long-term health and stability of the market as a whole. It recognises that the generation of long-term sustainable returns is dependent on stable, well-functioning and well governed social, environmental and economic systems.
4. FIDUCIARY DUTY TO STAKEHOLDERS MMI works to incorporate ESG factors into our investment considerations and ensuring that sustainability forms a cornerstone of our business principles and in our business dealings and undertakings. Through our responsible investment approach we aim as fiduciaries of client’s assets to invest in a manner that is fair and driven by the intention to generate longterm, sustainable investment returns while at the same time ensuring that the company remains true to its philosophy, portfolio construction and robust investment processes.
1
Supported by United Nations Global Compact; United Nations Environment Programme Finance Initiative; Principles for Responsible Investment Initiative; Inquiry into the Design of a Sustainable Financial System initiated by the United Nations Environment Programme
In the preamble of regulation 28, issued by the Minister of Finance under section 36 of the Pension Funds Act of 1956, outlines the fiduciary’s duty to “give appropriate consideration to any factor which may materially affect the sustainable long-term performance of a fund’s assets, including factors of an environmental, social and governance character. This concept applies across all assets and categories of assets and should promote the interests of a fund in a stable and transparent environment”.
5. LONG-TERM INTERESTS MMI’s investment philosophy is an outcome-based investment approach, which is cognisant of managing the clients’ experience and journey to achieve a defined investment goal over the determined time period. We realise that ESG risk factors affect the sustainability of companies and therefore it is especially relevant to our investment decision-making process.
6. IMPLICATIONS FOR INVESTMENT APPROACH MMI has set goal posts to help us build on our responsible investment approach. Under each goal post is a list of actions that we implement and annually review to strengthen the responsible investment approach. Our goal posts are: ESG integration, Active Owners, Seek Disclosure, Regulation and Codes, Advocacy and Report Progress. We believe that our approach should preferably be pro-active and investigating directly or through our appointed service providers ESG risks before these escalate to be material events that may affect our clients or stakeholders. Should they occur, an assertive process is adopted to manage the effect. It is our fiduciary duty to follow up on material ESG concerns and engage on the matter appropriately. MMI encourages better transparency and disclosure of responsible investment practices across the investment industry. Therefore we promote integration of this information in investment decision-making to internal and external investment professionals, service providers and consultants.
7. COLLABORATION WITH THE INVESTMENT INDUSTRY Collaboration on responsible investment initiatives and encouragement of sharing ESG information within the investment industry is important to MMI. We will support/participate in appropriate networks and platforms and seek to collectively address relevant emerging issues. Through our involvement on the working committees of the United Nations backed Principles for Responsible Investment (UN PRI)2, supporting the Code for Responsible Investing in South Africa (CRISA)3 and being a member of the Carbon Disclosure Project
2
3
http://www.unpri.org/ http://www.iodsa.co.za/
(CDP)4 we strive to encourage other investment managers, service providers, asset consultants and asset owners to do the same.
8. UNITED NATIONS BACKED PRINCIPLES FOR RESPONSIBLE INVESTMENT (UNPRI) MMI’s solutions and asset management businesses are signatories to the UNPRI; an international network of investors working together to put the six Principles for Responsible Investment into practice. Its goal is to understand the implications of sustainability for investors and support signatories to incorporate these issues into their investment decision making and ownership practices. The six principles are as follows: 1. We will incorporate ESG issues into investment analysis and decision-making processes. 2. We will be active owners and incorporate ESG issues into our ownership policies and practices. 3. We will seek appropriate disclosure on ESG issues by the entities in which we invest. 4. We will promote acceptance and implementation of the Principles within the investment industry. 5. We will work together to enhance our effectiveness in implementing the Principles. 6. We will each report on our activities and progress towards implementing the Principles.
9. REPORTING ON PROGRESS MMI undertakes to:
-
Update members on responsible investment initiatives in an annual report Participate in relevant industry surveys Participate in the reporting requirements of the United Nations Principles for Responsible Investment.
10. POLICY REVIEW MMI will review this policy annually or at such time as the board sees fit to revise its ESG policies and procedures.
4
https://www.cdp.net/
The quality and experience of our people and resources make Guardrisk the natural choice for anyone seeking a tailored risk solution. Guardrisk pioneered the cell captive concept in 1993 and is South Africa’s largest cell captive insurer, which means that clients benefit from our collective experience and market position. As industry leaders, Guardrisk helps shape the industry in which it operates, through professional and robust engagement with all industry stakeholders. Leading international ratings agency, Moody’s Investor Service, has rated three companies in the Guardrisk Group. Guardrisk Insurance and Guardrisk Life are both rated Baa3 on the global scale and Aaa.za on the national scale; and Guardrisk International is rated Baa3 on the global scale. Our international footprint (in Gibraltar and Mauritius) offers clients a solution for offshore risks. Guardrisk is part of the JSE-listed MMI Holdings and prides itself on its independence and ability to offer meaningful insurance solutions for its intermediary and retail clients.
Key Benefits
Centralises the risk management function in group structures and allows for the sharing of risk within the group. Reduction in the cost of conventional insurance. Allows companies to retain risk and share in the profit potential of an integrated risk management programme. Access to direct insurance and reinsurance markets (local and international). A selection of investment instruments to enhance returns and increase capacity. Flexibility to create a customised insurance programme to respond to client-specific risk exposures. Access to a comprehensive corporate risk financing tool. Budgeting certainty in that the cost of risk can be determined more accurately. Actuarial input on appropriate cell risk retention. Using Guardrisk’s insurance licences, clients create a core insurance offering for their client base, under their own brand and caters for the specific needs of their customers
Type of Products offered on Life Licence include:
Credit Life Insurance Funeral Policies Lump Sum Death Disability
include: Personal Lines: Accident and health Liability Property Transportation Motor
Our Purpose
To be the trusted insurance partner to our clients for growth and financial stability.
Our Mission
To provide innovative, integrated and cost-effective insurance and alternative risk transfer solutions. To employ industry experts with a passionate commitment to service excellence. To network locally and internationally and establish world-class partnerships. To be an enabler for sustainable economic transformation in SA.
About you You can use the space provided below to tell us why you think it is important to safeguard the world’s oceans. Not only the source of our food, the oceans provide us with means of livelihood and career. The availability of part-time or permanent position in environmental advocacy depends on equipping the next generation with the tools to interpret environmental data and the opportunity to participate in collective action. On behalf of advocates at WWF and around the world, you can play your part by making your voice heard! Travel cover and Life Assurance are essential components of safeguarding the journeys we make, in this world, and into the future. The call to safeguard your family’s inheritance has never been more urgent.