Alternative Risk Transfer

We offer  innovative risk management products as an alternative to conventional insurance products. Because we understand that the financial needs and risk profile of each of our clients are different, we focus on structuring unique solutions to fit the needs of each of our clients

The  product can most simply be described as SELF INSURANCE.

We enable our clients to build up their own contingency fund as a method of protection against unforeseen risks. This fund is not used to subsidise any other third party risk and can thus be managed in such a manner that it becomes a deemed asset on the balance sheet of the contract owner. The aim of the product is to build up the self insurance fund to such a level that the owner becomes less dependant on costly conventional insurance where premiums are lost if no claims are ever submitted against the policy.

We therefore believe that we truly empower the business owner to enjoy access to a fund that otherwise would have been lost. The reward for better risks management is the potential refund of all the premiums paid into the self insurance account.




Bertu Nel
Louis Oosthuizen Junior Golf Academy
On behalf of the Louis Oosthuizen Junior Golf Academy, we wish to thank LUMENROCK for the outstanding advice and services rendered to the Academy. We value the honesty, professionalism and very high ethical standards of the company, directors and staff. It is a pleasure and honour to be associated and do business with LUMENROCK.
Hugo de Wet
Business Manager: Gijima
I have known Pieter Esterhuizen, the CEO of LUMENROCK, for more than 10 years. In this time he has been very involved in my business affairs. Pieter is always available to assist me whenever I need his advice. LUMENROCK is a trusted advisor. I trust and value their inputs when it comes to tax structuring or general business advice.
Carl Lategan
Carl Lategan, Alistar (bio-fuel industry)
I make use of your excellent service of having a virtual office for administration, making a start-up company a breeze. - See more at:



South African Rand

Click on badge to rate our business


Please supply your name and e-mail address, in order to subscribe to our company newsletter. We respect your privacy and will never share your contact details with a third party.

Receive HTML?

Joomla Extensions powered by Joobi



Tel : +27(0) 86 187 3255
Fax: +27(0) 86 509 4151