Protect What Keeps Your Business Moving
Protect Your Mining Licence & Free Up Cashflow
Rehabilitation Guarantees & Insurance Built for Mining
Protect What Keeps Your Business Moving
Protect Your Mining Licence & Free Up Cashflow
Rehabilitation Guarantees & Insurance Built for Mining
Environmental compliance is non-negotiable. Without the right financial guarantees, you risk licence suspension or tying up valuable capital. Our insurer-backed solutions keep you compliant under NEMA and the MPRDA, without freezing your cashflow.
Mining & Rehabilitation
We include cover for environmental liability, rehabilitation guarantees, public liability, and equipment risk—designed to support compliance and operational continuity in high-impact mining environments.
Liability Insurance
Our liability insurance solutions include protection for directors, employees, digital assets, products, and third-party claims covering key legal and financial exposures in modern business.
Engineering Insurance
Engineering & Contractors Insurance includes cover for machinery, plant, equipment, project works, installation risks, and third-party damage—supporting businesses through the full project lifecycle.
Commercial Insurance
Our business asset protection includes cover for company vehicles, mobile equipment, stock, and contents—guarding against accidents, theft, weather damage, and civil unrest.
Non-Compliance
Is Costly
Mining rights holders must fund rehabilitation from start to post-closure. Outdated guarantees or insufficient provisions can trigger shutdowns, liability for directors, and failed audits.
Most companies think they’re covered, until they’re not.
Let’s fix that.
Rehab Guarantees Built for Mining Strategy
Your financial guarantee should fuel your mining strategy, not limit it. Our insurer-backed rehab guarantees align with DMRE and NEMA regulations, meet investor and auditor standards, and unlock capital for operations.
Insurance
Gaurentees
Protect your business from legal claims, regulatory fines, and third-party losses. These specialised policies cover high-risk exposures unique to mining like land contamination, injuries, and compliance failures, while safeguarding your executives and daily operations.
- Public Liability
- Employers’ Liability
- Professional Indemnity
- Directors & Officers (D&O) Liability
- Environmental Liability
- Cyber Liability
- Commercial Crime Liability
- Product Liability (where applicable)
Essential for any operational mining entity.
Covers owned and hired plant against loss or damage on-site, in transit, or in storage. Protect your yellow metal from theft, accidents, and breakdowns that stall your operations.
- Yellow metal and mechanical plant (excavators, graders, rollers)
- Theft, vandalism, fire, flood, accidental damage
- Damage during transit
- Hired-in plant with contractual liability
- Optional cover for tools, attachments, and operator damage
Recommended for contractors, civil engineers, and plant hire companies.
Protects raw materials, equipment, and goods in transit by land or sea, via your own fleet or third-party carriers. Covers loss, theft, or damage during local and international transport.
- Covers loss or damage during road, rail, air, or sea transport
- Includes loading, unloading, and temporary storage risks
- Available for single shipments or annual open cover arrangements
- Complies with Incoterms and client contractual delivery obligations
Ideal for mines, contractors, and import/export businesses moving high-value equipment, commodities, or inputs locally and internationally.
Commercial
Asset Insurance
Liability Insurance For Mines
Goods in Transit & Marine Insurance
Covers the erection, installation, and commissioning of machinery and steel structures, protecting against accidents during transport, lifting, and setup.
- Damage during transport, lifting, erection, or testing
- Fire, theft, collapse, or natural disasters
- Third-party injury or property damage
- Cover for tools, temporary structures, and site materials
- Optional cover for testing and commissioning delays
Recommended for engineering contractors, plant installers, and industrial project managers.
Plant
All Risk Insurance
Insurer-backed guarantees that help mining companies meet their environmental rehab obligations—during operations and at closure—without locking up capital. Fully compliant with NEMA and MPRDA, and accepted by the DMRE.
- Accepted by DMRE and aligned with regulatory requirements
- Covers progressive and final closure liabilities
- Based on environmental audits and cost estimates
- Annual renewal with flexibility for plan updates
Ideal for mining companies seeking alternatives to bank or cash-backed guarantees
A Performance Guarantee (or performance bond) provides financial assurance that a contractor will fulfil their contractual obligations as agreed. If the contractor fails to perform, the guarantee compensates the employer for the resulting loss—helping maintain project timelines and financial certainty.
- Issued on behalf of contractors to project owners
- Covers non-performance or failure to complete
- Typically required under JBCC, FIDIC, GCC contracts
- Can be issued locally or on cross-border projects
- Backed by insurers, not banks—preserving working capital
Ideal for contractors bidding on public or large-scale private sector projects.
Retention Guarantee
Mining Rehabilitation Guarantees
Performance Guarantee
A Retention Guarantee replaces the employer’s right to withhold retention money from progress payments during a construction contract. It allows the contractor to receive full payment while still providing financial protection to the employer in case of defects or non-completion.
- Replaces the 5–10% cash retention holdbacks
- Ensures liquidity and improved contractor cash flow
- Provides the employer with recourse for defective work
- Common in large infrastructure and engineering contracts
- Can be structured per contract or per client portfolio
Ideal for contractors with strong track records needing better cash flow management.
Insurance-backed guarantees that secure payments to key third parties, like Transnet, fuel suppliers, and blasting contractors, even if your business can’t fulfil financial obligations. A smarter alternative to cash deposits or bank guarantees that protects continuity and cashflow.
- Accepted by Transnet for rail, port, and cargo payments
- Meets fuel suppliers’ credit requirements
- Enables compliant blasting by securing contractor payments
- Customisable per supplier, contract, or project
- Preserves liquidity and reduces reliance on bank instruments
Ideal for mining companies and contractors securing high-value supply and service agreements
Payment Guarantees
Contract Works Insurance
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Contract Works Insurance
Contract Works Insurance
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Insurance
Guarantees
Liability Insurance
For Mines
Protect your business from legal claims, regulatory fines, and third-party losses. These specialised policies cover high-risk exposures unique to mining like land contamination, injuries, and compliance failures, while safeguarding your executives and daily operations.
- Public Liability
- Employers’ Liability
- Professional Indemnity
- Directors & Officers (D&O) Liability
- Environmental Liability
- Cyber Liability
- Commercial Crime Liability
- Product Liability (where applicable)
Essential for any operational mining entity.
Goods in Transit & Marine Insurance
Covers owned and hired plant against loss or damage on-site, in transit, or in storage. Protect your yellow metal from theft, accidents, and breakdowns that stall your operations.
- Yellow metal and mechanical plant (excavators, graders, rollers)
- Theft, vandalism, fire, flood, accidental damage
- Damage during transit
- Hired-in plant with contractual liability
- Optional cover for tools, attachments, and operator damage
Recommended for contractors, civil engineers, and plant hire companies.
Commercial Asset Insurance
Protects raw materials, equipment, and goods in transit by land or sea, via your own fleet or third-party carriers. Covers loss, theft, or damage during local and international transport.
- Covers loss or damage during road, rail, air, or sea transport
- Includes loading, unloading, and temporary storage risks
- Available for single shipments or annual open cover arrangements
- Complies with Incoterms and client contractual delivery obligations
Ideal for mines, contractors, and import/export businesses moving high-value equipment, commodities, or inputs locally and internationally.
Plant All Risk Insurance
Covers the erection, installation, and commissioning of machinery and steel structures, protecting against accidents during transport, lifting, and setup.
- Damage during transport, lifting, erection, or testing
- Fire, theft, collapse, or natural disasters
- Third-party injury or property damage
- Cover for tools, temporary structures, and site materials
- Optional cover for testing and commissioning delays
Recommended for engineering contractors, plant installers, and industrial project managers.
Mining Rehabilitation Guarantees
Insurer-backed guarantees that help mining companies meet their environmental rehab obligations, during operations and at closure, without locking up capital. Fully compliant with NEMA and MPRDA, and accepted by the DMRE.
- Accepted by DMRE and aligned with regulatory requirements
- Covers progressive and final closure liabilities
- Based on environmental audits and cost estimates
- Annual renewal with flexibility for plan updates
Ideal for mining companies seeking alternatives to bank or cash-backed guarantees
Performance Guarantee
A Performance Guarantee (or performance bond) provides financial assurance that a contractor will fulfil their contractual obligations as agreed. If the contractor fails to perform, the guarantee compensates the employer for the resulting loss, helping maintain project timelines and financial certainty.
- Issued on behalf of contractors to project owners
- Covers non-performance or failure to complete
- Typically required under JBCC, FIDIC, GCC contracts
- Can be issued locally or on cross-border projects
- Backed by insurers, not banks, preserving working capital
Ideal for contractors bidding on public or large-scale private sector projects.
Retention Guarantee
A Retention Guarantee replaces the employer’s right to withhold retention money from progress payments during a construction contract. It allows the contractor to receive full payment while still providing financial protection to the employer in case of defects or non-completion.
- Replaces the 5–10% cash retention holdbacks
- Ensures liquidity and improved contractor cashflow
- Provides employer with recourse for defective work
- Common in large infrastructure and engineering contracts
- Can be structured per contract or per client portfolio
Ideal for contractors with strong track records needing better cashflow management.
Payment Guarantees
Insurance-backed guarantees that secure payments to key third parties, like Transnet, fuel suppliers, and blasting contractors, even if your business can’t fulfil financial obligations. A smarter alternative to cash deposits or bank guarantees that protects continuity and cashflow.
- Accepted by Transnet for rail, port, and cargo payments
- Meets fuel suppliers’ credit requirements
- Enables compliant blasting by securing contractor payments
- Customisable per supplier, contract, or project
- Preserves liquidity and reduces reliance on bank instruments
Ideal for mining companies and contractors securing high-value supply and service agreements
Insurance
Guarantees
Liability Insurance For Mines
Protect your business from legal claims, regulatory fines, and third-party losses. These specialised policies cover high-risk exposures unique to mining like land contamination, injuries, and compliance failures, while safeguarding your executives and daily operations.
- Public Liability
- Employers’ Liability
- Professional Indemnity
- Directors & Officers (D&O) Liability
- Environmental Liability
- Cyber Liability
- Commercial Crime Liability
- Product Liability (where applicable)
Essential for any operational mining entity.
Goods in Transit & Marine Insurance
Covers owned and hired plant against loss or damage on-site, in transit, or in storage. Protect your yellow metal from theft, accidents, and breakdowns that stall your operations.
- Yellow metal and mechanical plant (excavators, graders, rollers)
- Theft, vandalism, fire, flood, accidental damage
- Damage during transit
- Hired-in plant with contractual liability
- Optional cover for tools, attachments, and operator damage
Recommended for contractors, civil engineers, and plant hire companies.
Commercial Asset Insurance
Protects raw materials, equipment, and goods in transit by land or sea, via your own fleet or third-party carriers. Covers loss, theft, or damage during local and international transport.
- Covers loss or damage during road, rail, air, or sea transport
- Includes loading, unloading, and temporary storage risks
- Available for single shipments or annual open cover arrangements
- Complies with Incoterms and client contractual delivery obligations
Ideal for mines, contractors, and import/export businesses moving high-value equipment, commodities, or inputs locally and internationally.
Plant All Risk Insurance
Covers the erection, installation, and commissioning of machinery and steel structures, protecting against accidents during transport, lifting, and setup.
- Damage during transport, lifting, erection, or testing
- Fire, theft, collapse, or natural disasters
- Third-party injury or property damage
- Cover for tools, temporary structures, site materials
- Optional cover for testing and commissioning delays
Recommended for engineering contractors, plant installers, and industrial project managers.
Performance Guarantee
A Performance Guarantee (or performance bond) provides financial assurance that a contractor will fulfil their contractual obligations as agreed. If the contractor fails to perform, the guarantee compensates the employer for the resulting loss, helping maintain project timelines and financial certainty.
- Issued on behalf of contractors to project owners
- Covers non-performance or failure to complete
- Typically required under JBCC, FIDIC, GCC contracts
- Can be issued locally or on cross-border projects
- Backed by insurers, not banks, preserving working capital
Ideal for contractors bidding on public or large-scale private sector projects.
Retention Guarantee
A Retention Guarantee replaces the employer’s right to withhold retention money from progress payments during a construction contract. It allows the contractor to receive full payment while still providing financial protection to the employer in case of defects or non-completion.
- Replaces the 5–10% cash retention holdbacks
- Ensures liquidity and improved contractor cash flow
- Provides the employer with recourse for defective work
- Common in large infrastructure and engineering contracts
- Can be structured per contract or per client portfolio
Ideal for contractors with strong track records needing better cash flow management.
Payment Guarantees
Insurance-backed guarantees that secure payments to key third parties, like Transnet, fuel suppliers, and blasting contractors, even if your business can’t fulfil financial obligations. A smarter alternative to cash deposits or bank guarantees that protects continuity and cash flow.
- Accepted by Transnet for rail, port, and cargo payments
- Meets fuel suppliers’ credit requirements
- Enables compliant blasting by securing contractor payments
- Customisable per supplier, contract, or project
- Preserves liquidity and reduces reliance on bank instruments
Ideal for mining companies and contractors securing high-value supply and service agreements
Mining Rehabilitation Guarantees
Insurer-backed guarantees that help mining companies meet their environmental rehab obligations, during operations and at closure, without locking up capital. Fully compliant with NEMA and MPRDA, and accepted by the DMRE.
- Accepted by DMRE and aligned with regulatory requirements
- Covers progressive and final closure liabilities
- Based on environmental audits and cost estimates
- Annual renewal with flexibility for plan updates
Ideal for mining companies seeking alternatives to bank or cash-backed guarantees.
Insurance
Guarantees
Liability Insurance For Mines
Protect your business from legal claims, regulatory fines, and third-party losses. These specialised policies cover high-risk exposures unique to mining like land contamination, injuries, and compliance failures while safeguarding your executives and daily operations.
- Public Liability
- Employers’ Liability
- Professional Indemnity
- Directors & Officers (D&O) Liability
- Environmental Liability
- Cyber Liability
- Commercial Crime Liability
- Product Liability (where applicable)
Essential for any operational mining entity.
Goods in Transit & Marine Insurance
Covers owned and hired plant against loss or damage on-site, in transit, or in storage. Protect your yellow metal from theft, accidents, and breakdowns that stall your operations.
- Yellow metal and mechanical plant (excavators, graders, rollers)
- Theft, vandalism, fire, flood, accidental damage
- Damage during transit
- Hired-in plant with contractual liability
- Optional cover for tools, attachments, and operator damage
Recommended for contractors, civil engineers, and plant hire companies.
Commercial Asset Insurance
Protects raw materials, equipment, and goods in transit by land or sea, via your own fleet or third-party carriers. Covers loss, theft, or damage during local and international transport.
- Covers loss or damage during road, rail, air, or sea transport
- Includes loading, unloading, and temporary storage risks
- Available for single shipments or annual open cover arrangements
- Complies with Incoterms and client contractual delivery obligations
Ideal for mines, contractors, and import/export businesses moving high-value equipment, commodities, or inputs locally and internationally.
Plant All Risk Insurance
Covers the erection, installation, and commissioning of machinery and steel structures, protecting against accidents during transport, lifting, and setup.
- Damage during transport, lifting, erection, or testing
- Fire, theft, collapse, or natural disasters
- Third-party injury or property damage
- Cover for tools, temporary structures, and site materials
- Optional cover for testing and commissioning delays
Recommended for engineering contractors, plant installers, and industrial project managers.
Mining Rehabilitation Guarantees
Insurer-backed guarantees that help mining companies meet their environmental rehab obligations—during operations and at closure—without locking up capital. Fully compliant with NEMA and MPRDA, and accepted by the DMRE.
- Accepted by DMRE and aligned with regulatory requirements
- Covers progressive and final closure liabilities
- Based on environmental audits and cost estimates
- Annual renewal with flexibility for plan updates
Ideal for mining companies seeking alternatives to bank or cash-backed guarantees
Performance Guarantee
A Performance Guarantee (or performance bond) provides financial assurance that a contractor will fulfil their contractual obligations as agreed. If the contractor fails to perform, the guarantee compensates the employer for the resulting loss—helping maintain project timelines and financial certainty.
- Issued on behalf of contractors to project owners
- Covers non-performance or failure to complete
- Typically required under JBCC, FIDIC, GCC contracts
- Can be issued locally or on cross-border projects
- Backed by insurers, not banks—preserving working capital
Ideal for contractors bidding on public or large-scale private sector projects.
Retention Guarantee
A Retention Guarantee replaces the employer’s right to withhold retention money from progress payments during a construction contract. It allows the contractor to receive full payment while still providing financial protection to the employer in case of defects or non-completion.
- Replaces the 5–10% cash retention holdbacks
- Ensures liquidity and improved contractor cash flow
- Provides the employer with recourse for defective work
- Common in large infrastructure and engineering contracts
- Can be structured per contract or per client portfolio
Ideal for contractors with strong track records needing better cash flow management.
Payment Guarantees
Insurance-backed guarantees that secure payments to key third parties, like Transnet, fuel suppliers, and blasting contractors, even if your business can’t fulfil financial obligations. A smarter alternative to cash deposits or bank guarantees that protects continuity and cashflow.
- Accepted by Transnet for rail, port, and cargo payments
- Meets fuel suppliers’ credit requirements
- Enables compliant blasting by securing contractor payments
- Customisable per supplier, contract, or project
- Preserves liquidity and reduces reliance on bank instruments
Ideal for mining companies and contractors securing high-value supply and service agreements
Important Notice
The insurance products described on this page are subject to the specific terms, conditions, exclusions, and limits outlined in each individual policy wording. Cover is not automatic and depends on the nature of the risk, the information disclosed, and the insurer’s underwriting criteria.
This page is intended to provide general guidance only and does not constitute financial advice or a binding offer of insurance. For full details on applicable cover, claim requirements, and eligibility, please speak to one of our licensed advisors or request a copy of the relevant policy wording.

Odiglo (Pty) Ltd is an authorised Financial Services Provider (FSP No. 44274).
Curious About What Our Clients Have To Say?
Lanti V. – CFO, Opencast & Quarry Operator
6 months ago
As CFO, my headache was capital locked up for rehabilitation. Odiglo restructured our financial provisioning so we met NEMA and regulator expectations while freeing up working capital for operations. The outcome is compliant, transparent, and far kinder to cash flow. I finally have a provisioning line item that the board understands.
Saxon N. – Managing Director, Mining House
1 month ago
We didn’t think cyber was a mining risk. Odiglo showed how a breach can quickly turn into payment fraud. They structured cyber liability for breach response and commercial crime for direct financial loss, aligned under one incident plan. Now our cover follows both the data and the money without gaps.
A derailment disrupted the export plan and affected Transnet obligations. Odiglo organised a meeting with the insurer, their loss adjusters, our team, the rail operator, and independent railway engineers, maintaining focus on the policy wording and relevant facts. They recorded the chronology, liability positions, and mitigation costs in a consolidated issues list, which then informed an agreement for all parties to review and sign.
Kgosi W. – CEO, Export Mining House
3 months ago
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