01 For you and your family
Personal
A new car, a renovated kitchen, a young driver on the policy. The small changes are where cover quietly drifts out of date, so we check the replacement value and the exclusions before we talk about price.
Independent brokers · Gqeberha · Since 2011
Smart guidance. Stronger coverage.
We help you navigate risk with confidence. We compare cover, explain the details that matter, and stay close when things don’t go to plan. You get a direct number, not a ticket number.
What we arrange
Cover should follow the risk, not the sales script.
The Cornerstone difference
Insurance is paperwork. Broking is personal.
Our founders spent years inside large financial institutions. Cornerstone began when they decided the client relationship had become too distant.
01 Before the policy
We ask questions before recommending products.
02 Inside the wording
We point out the excesses, exclusions and trade-offs worth knowing.
03 When there is a claim
You call someone who knows the policy and can help move the process along.
Our process
From risk to safe harbour.
Four stops between the first conversation and the moment you actually need us.
Before you sign
Three questions worth asking.
Personal Is your home insured for what it costs to rebuild?
Buildings cover should reflect the cost of rebuilding, rather than the market value. Professional fees and related rebuilding costs may also need to be considered.
Personal Which belongings need to be specified away from home?
Portable valuables such as jewellery, cameras, laptops and mobile phones may need to be listed individually, with proof of ownership and current valuations kept safely.
Business How long could your business survive an interruption?
Your indemnity period should reflect how long it would realistically take the business to recover, including time to replace assets, restore operations and rebuild income.