Kunene Makopo Risk Solutions

Risk. Continuity. Growth.

Risk solutions built for how South Africa actually operates.

Founded in 2006, KMRS has grown beyond the traditional insurance intermediary into a strategic advisor helping organisations protect operational continuity, strengthen resilience and pursue growth with confidence.

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100%
Black-owned intermediary
3
FSCA licence categories
20+
Years in the market
7
Offices countrywide

Trusted across the public and private sector

What we do

Integrated cover across short term, long term and health.

As a 100% black-owned financial intermediary authorised by the FSCA, KMRS holds licences across short term insurance, long term insurance and medical aid — giving us the ability to build genuinely integrated risk programmes.

Short Term Insurance

Commercial Lines, Personal Lines, Public Liability, Professional Indemnity, Taxi Insurance, Legal and Tax Cover, Performance Guarantees, TV & Film Production, Film Completion Bonds, Low Cost Housing Insurance, Reinsurance Services and Wholesale Reinsurance Broking.

Long Term Insurance

Group Funeral Schemes, Personal Funeral Benefit, Life and Bond Cover, Retirement Planning, Education Policies, Buy and Sell Agreements, Key Man Cover, Credit Life Insurance and Group Life Cover.

Bespoke Products

We have developed relationships with specialised underwriters and insurance houses that allow us to build a client-focused product from scratch, geared to a client's specific needs.

Risk Advisory

We identify potential risks, analyse their impact and design custom solutions that offer protection and peace of mind — from asset protection through to liability cover.

Medical Aid

Tailored medical aid and health solutions for individuals and groups, partnered with leading healthcare providers, from routine check-ups to specialised treatment.

Not sure where to start?

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KMRS underwriting partners

Why KMRS

Hands-on where global models stop.

Larger multinational firms often rely on standardised global models. We work closely with clients to understand the nuances behind their risks, identify operational vulnerabilities others miss, and create solutions that support resilience, continuity and sustainable growth.

  • Rooted in South African and African realities
  • Agile and fearless in complex operating environments
  • Committed to long-term partnerships and shared progress
  • Focused on business continuity and sustainable growth

Request for quotation

Start a quote in under two minutes.

Choose the cover you need and a KMRS consultant will come back to you with a tailored proposal.

Short Term Insurance

Commercial Lines

Asset, business interruption, fleet and liability cover engineered around how your operation actually runs.

Short Term Insurance

Personal Lines

Home, household contents, motor and all-risk cover for individuals and families.

Short Term Insurance

Public Liability

Protection against third party injury and property damage claims arising from your operations.

Short Term Insurance

Professional Indemnity

Cover for professional advice, design and service failures that lead to client loss.

Short Term Insurance

Taxi Insurance

Purpose-built cover for minibus taxi owners, associations and fleet operators.

Short Term Insurance

Legal and Tax Cover

Legal expense and tax dispute cover for businesses and individuals.

Specialist Risk

Performance Guarantee

Construction and contract guarantees that unlock tenders and keep projects moving.

Specialist Risk

TV & Film Production

Production packages covering cast, equipment, sets, props and third party liability.

Specialist Risk

Film Completion Bonds

Guarantees to financiers that a production will be delivered on budget and on schedule.

See all 22 quote types