Cargo Insurance
Imports and Exports. Comprehensive cover for goods moved by sea, air, road, or rail. Protects against physical loss or damage...
- All risks cover
- Institute Cargo Clauses A/B/C
- War & strikes cover
Goods in Transit
Comprehensive protection for cargo owners against loss or damage during transit in the ordinary course of trade...
- Transit loss cover
- Loading & unloading risks
- Multi-modal protection
Stock Throughput
Seamless cover for goods through imports, exports, in transit and storage. Ensures uninterrupted protection...
- Import & export cover
- In-transit protection
- Storage cover
Single Shipments
Covers shipments against loss or damage during a specific journey. Flexible shipment-specific protection...
- One-off shipment cover
- Flexible terms
- All transport modes
Carriers Interest in Goods
Designed for logistics providers, this cover protects transporters against loss or damage to goods while under their responsibility...
- Transporter protection
- Loading/offloading cover
- Fleet-wide options
Freight Forwarders
Indemnifies the insured in respect of their legal liability to cargo owners for physical loss or damage to cargo, as well as...
- Legal liability cover
- Delay indemnity
- Mis-delivery cover
Contingent Insurance
Covers transport brokers against claims by cargo owners or financial stakeholders. Protects against loss or damage...
- Broker protection
- Contingent cargo cover
- Back-up protection
Marine Liabilities
Covers third-party liabilities in maritime operations. Protects against legal responsibility for loss or damage...
- Chartering
- Stevedoring
- Ship repair
Household & Personal
Cover for individuals relocating locally or abroad with household contents. Protects personal belongings in transit...
- Local & international moves
- Personal belongings
- Household contents
Marine Hull
Cover for loss or damage to vessels and small craft in operation. Extends to third-party property liability. Includes...
- Hull & machinery cover
- Third-party liability
- Salvage charges
Pleasure Hull
Cover for privately owned leisure vessels used inland or on coastal waters. Protects the vessel and its equipment...
- Hull all risks
- Third-party liability
- Marina risks
Commercial Hull
Cover for vessels engaged in fishing, transport and commercial work. Protects machinery and equipment...
- Fleet cover
- Machinery & equipment
- Liability extensions
Privacy Policy
BCM Marine Risk Solutions (Pty) Ltd
1. Introduction
BCM Marine Risk Solutions (Pty) Ltd (“BCM”, “we”, “us”, or “our”) is committed to protecting your privacy and ensuring that your personal information is collected and used properly, lawfully, and transparently.
This Privacy Policy explains how we collect, use, store, and protect your personal information in accordance with the Protection of Personal Information Act (POPIA) of South Africa.
2. What is Personal Information
Personal information refers to any information that can identify you, including but not limited to:
- Name and surname
- Company details
- Contact details (email, phone number)
- Financial and insurance-related information
- Identity or registration numbers
- Any correspondence submitted via our website
3. Information We Collect
We may collect personal information when you:
- Submit a contact or enquiry form on our website
- Request a quote or service
- Engage with our marine risk, insurance, or advisory services
- Communicate with us via email or phone
We also collect limited technical data such as:
- IP address
- Browser type
- Website usage data via cookies
This helps us improve website performance and user experience.
4. How We Use Your Information
We use your personal information only for legitimate business purposes, including:
- Providing marine risk and insurance solutions
- Processing enquiries, quotes, and service requests
- Managing client relationships
- Conducting risk assessments and underwriting processes
- Verifying identity and preventing fraud
- Complying with legal and regulatory obligations
- Improving our services and website experience
5. Sharing of Information
We may share your personal information with:
- Insurance providers and underwriters
- Service providers involved in delivering our services
- Regulatory authorities or legal entities where required
- BCM group companies where necessary for service delivery
All third parties are required to treat your information securely and in accordance with applicable laws.
6. Cookies and Website Usage
Our website uses cookies to:
- Ensure proper website functionality
- Analyse website traffic and performance
- Improve user experience
You can control cookie settings through your browser.
7. Information Security
We take appropriate technical and organisational measures to protect your personal information against:
- Unauthorised access
- Loss or misuse
- Alteration or disclosure
These measures include secure systems, controlled access, and ongoing monitoring of our data protection practices.
8. Retention of Information
We retain personal information only for as long as necessary to:
- Fulfil the purpose for which it was collected
- Comply with legal, regulatory, and contractual obligations
9. Your Rights
In terms of POPIA, you have the right to:
- Request access to your personal information
- Request correction or deletion of your information
- Object to the processing of your information
- Withdraw consent where applicable
Requests may be subject to identity verification and applicable legal requirements.
10. Changes to This Policy
We may update this Privacy Policy from time to time.
Updated versions will be published on our website.
11. Contact Us
If you have any questions about this Privacy Policy or how we handle your information, please contact:
BCM Marine Risk Solutions (Pty) Ltd
Email: info@bcmmarinerisk.co.za
Phone: +27 (0) 31 702 0402
12. Information Regulator (South Africa)
If you believe your personal information has been misused, you may contact:
Information Regulator (South Africa)
Website: https://www.justice.gov.za/inforeg/
Email: inforeg@justice.gov.za
13. Consent
By using this website, you consent to the collection and use of your information as outlined in this Privacy Policy.

