Bridging Global Risk and African Resilience: Maksure’s Role in a Shifting Risk Landscape.
The World Economic Forum’s Global Risks Report 2025 delivers a jolting diagnosis of the world’s risk outlook; a confluence of polycrises across the environmental, technological, economic, and geopolitical domains. According to the report, extreme weather events and cyber insecurity are among the top global risks anticipated over the next two years, with climate change increasingly shaping the long-term outlook over the coming decade. In addressing these critical risks, Maksure Risk Solutions is strategically positioned to help businesses and communities navigate this evolving environment.
As an Afro-global specialist insurance and reinsurance broker, and licensed at the Lloyd’s of London, we are at the forefront of global risk capital and regional resilience-building efforts. We leverage insurance and reinsurance not just as financial mechanisms, but as essential tools for risk navigation, economic continuity, and social stability.
- Risk Transfer as Strategic Resilience
Africa is disproportionately exposed to climate-related, political, and socioeconomic risks, many of which feature prominently in the WEF’s short- and long-term outlook. For example:
- Extreme weather and natural resource shortages are already disrupting supply chains, food systems, and infrastructure across the continent.
- The cost-of-living crisis and inequality are fueling social unrest, especially in urban and youth-dense environments.
Maksure designs bespoke insurance and reinsurance solutions that allow governments, corporations, and insurers to transfer and pool these risks. These include parametric insurance for drought and floods, catastrophe risk layers, and tailored solutions for infrastructure, agriculture, and public sector exposures.
By doing so, we help shift the narrative from disaster response to risk preparedness and resilience.
- Unlocking Global Capacity for African Risk
Access to Lloyd’s of London gives Maksure Risk Solutions the unique ability to connect complex African risks with deep and diversified global capacity. This matters because:
- Africa continues to suffer from insurance penetration rates below 3% of GDP in most countries.
- Large-scale projects in infrastructure, energy transition, and cross-border trade require reinsurance capacity and risk structuring that local markets alone cannot support.
We act as translators of risk structuring programs that meet both international underwriting standards and local developmental priorities. This not only mobilizes capital into the region but also enables bankability and investor confidence in sectors critical to Africa’s future.
- Thought Leadership on Emerging Risks
The Global Risks Report 2025 introduces growing concern over AI-generated misinformation, cyber insecurity, and AI governance failures risks that are poorly understood but increasingly influential. These risks are no longer limited to developed markets; they are arriving rapidly in Africa as digitization accelerates.
Maksure is committed to shaping regional discourse on emerging and systemic risks. We contribute by:
- Educating clients on cyber risk frameworks, Environmental, Social, and governance (ESG) related exposures, and AI use policies.
- Facilitating regional workshops and insights sharing with underwriters, regulators, and corporates.
- Publishing scenario analyses and technical insights grounded in both global foresight and local realities.
- Supporting Sustainable and Inclusive Insurance
WEF 2025 calls for greater alignment between global risk governance and inclusive growth; a vision that resonates with our ethos at Maksure. We are committed to:
- Developing microinsurance schemes for vulnerable populations, including informal sector workers and smallholder farmers.
- Partnering with Development Finance Institutions (DFIs) and impact investors to design insurance products that support women-owned enterprises, youth entrepreneurship, and climate adaptation.
- Expanding financial literacy and risk education across communities historically excluded from formal risk markets.
We believe that insurance must be a vehicle for empowerment, not just compensation.
- Shaping Risk Policy and Regional Cooperation
The WEF notes a global trend toward geopolitical fragmentation and institutional distrust, which complicates international collaboration on shared risks.
With a presence in South Africa, Zimbabwe, and the UK, Maksure Risk Solutions plays a role in:
- Advocating for cross-border risk regulation.
- Supporting African reinsurers and regulators to align with global standards while preserving local relevance.
We serve as a regional convener, connecting policy, capital, and capacity.
Responsibility, Influence, and Vision
In a world defined by uncertainty and fragmentation, our role as a broker is being redefined. At Maksure Risk Solutions, we do not merely place risks. We shape futures. We act as:
- Bridge-builders between global capital and African aspirations.
- Designers of risk resilience frameworks for a volatile era.
- Champions of inclusive, sustainable, and strategic insurance solutions.
As the WEF rightly notes, the time to prepare for long-term risks is now. At Maksure Risk Solutions, we are proud to be part of that preparation, and transformation.
Contact our team on Tel: 011 805 0086 or email info@maksure.co.za
About Maksure Risk Solutions
Maksure Risk Solutions is an Afro-Global independent specialist insurance and reinsurance broker with business footprint in Africa, Asia, East & Western Europe, South America and the Caribbean. We provide innovative and tailor-made risk solutions in Insurance and Reinsurance as well as Risk Financing and Actuarial Consulting geared towards capital management and strengthening our client’s balance sheet. Maksure is also one of the major players in Captive Management (Establishment & Management) in South Africa, Mauritius, Bermuda and various other jurisdictions. We have access into the Lloyds of London with a deep understanding of African markets. Our global nature ensures that our clients access quality capacity as well as some of the world’s latest thinking and solutions.
