SHA Risk Specialists
Charmaine du Toit is a seasoned professional with extensive experience in the insurance and legal sectors. Currently serving as a Claims Specialist at SHA Risk Specialists and an Advocate at the National Bar Council of South Africa, Charmaine has also contributed as a Mediator in commercial, divorce, and parenting plan disputes. As a Legal & Operations Consultant at Lateral Unison Insurance Brokers Pty Ltd, responsibilities include overseeing the Tenders, Underwriting, and Claims Departments, while also conducting audits and managing underwriting processes. Previous roles include Litigation Specialist at The Hollard Insurance Company and Litigation Manager at Santam Insurance, where Charmaine developed a strong background in claim management and legal processes. Charmaine holds a Bachelor of Laws (LLB) and a Diploma in Insurance from the University of South Africa.
SHA Risk Specialists
We are niche insurance specialists at our core but if you connect with us on social media you'll soon notice that we aren't like any other risk transfer business. We provide updates on topical liability, legislative and personal accident issues and are regular commentators on national TV and in the press. Welcome to SHA Risk Specialists, we are a division of Santam Ltd (FSP 3416) with expertise spanning across a broad range of niche insurance products. We employ a team of specialists, many of whom are qualified legal professionals, able to structure insurance programs for most businesses both within and outside the borders of South Africa. We have an underwriting capacity that tips the scales at R1bn and are the proud underwriter of the majority of the Top 100 companies listed on the JSE. SHA is the largest specialist liability insurer in southern Africa and with over 30 years of excellence, our experience and expertise come together to tailor-make solutions for any sized business in any industry. Santam is a level 3 BBBEE company and is the largest short term insurer in South Africa.