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Corporate Forms and Organizational Choice in International Insurance$
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Robin Pearson and Takau Yoneyama

Print publication date: 2015

Print ISBN-13: 9780198739005

Published to Oxford Scholarship Online: December 2015

DOI: 10.1093/acprof:oso/9780198739005.001.0001

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The World Insured South Africa

The World Insured South Africa

Early Insurance Activities of Insurance Companies in South Africa, 1820–1910

Chapter:
(p.145) 7 The World Insured South Africa
Source:
Corporate Forms and Organizational Choice in International Insurance
Author(s):

Grietjie Verhoef

Publisher:
Oxford University Press
DOI:10.1093/acprof:oso/9780198739005.003.0007

This chapter investigates the roots of the first insurance companies in the Cape Colony and other British colonies in southern Africa. Most were branches of British firms and firms from other British colonies. The chapter explores the early entrepreneurial incentives in the industry and the forms of organization chosen by the early insurance concerns. The form of organization and the nature of the business were closely linked to settler cohesion and the ability to address risk in non-matured markets. Mutual forms of organization, which appeared most successfully in life insurance, seemed linked to emerging settler consciousness, activism, and trust. By contrast, short-term insurance experienced strong competition from well-established international companies, with a strong capital base and institutional and organizational capabilities.

Keywords:   life assurance, entrepreneurs, mutuality, fire insurance, branch networks, settler activism, trust, Cape Colony

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