Technology is reshaping insurance distribution, underwriting, claims processes and customer interaction — creating opportunity alongside new regulatory and operational risk.

Deneys advises insurers, intermediaries, technology providers and investors on the legal and regulatory issues that arise in InsurTech initiatives in South Africa. Our work includes regulatory structuring, contracting and outsourcing arrangements, data protection and cyber risk, governance, conduct and consumer protection considerations.

We help clients deploy new solutions quickly while staying within regulatory boundaries, with advice that is commercially grounded and implementable. Where solutions involve cross-border platforms or foreign partners, we coordinate with specialist advisers while maintaining clear local accountability and control.