The Federated Employers Mutual Assurance Company (RF) (Pty) Ltd (“FEM”) is licensed to conduct non-life insurance business.

Why is the “ZERO IS NO ACCIDENT” initiative important?

FEM, through the ZERO IS NO ACCIDENT initiative, seeks to mitigate the risk for both employers and employees by delivering a preferred, excellent, and sustainable workmen’s compensation service that champions health and safety in the workplace as a key pillar to the continued growth and success of the industry, provide quality care, empathy and financial support to employees, and their families in the unfortunate event of an accident, illness, or untimely death.

According to accident statistics released by FEM, Two of the major types of injuries sustained on construction sites were ‘falling to different levels‘ and ‘struck by’Over the 2015 to 2021 period, extracted as of March 2022, of the 54,964 injuries that required medical attention, a total of 5,842 ‘falling to different levels’ cases were recorded, and 18,165 ‘struck by’ cases, accounting for 44% of all accidents and 35% of fatal accidents. It is imperative for us as an organisation to deliver an excellent and sustainable workers compensation service to all stakeholders.

And as such we believe FEM’s purpose and positioning should be aligned with a sense of security and hope and encompass:


A commitment to safeguarding families, one bread winner at a time.


The Ability to perceive the trauma of these life changing events and understand the distress or needs of those most affected.


Always strive to deliver an excellent and sustainable workers compensation service to all stakeholders

Emotional Connection

Engage stakeholder communities in a meaningful way


Create the capacity to address relevant social issues through our business endeavours


Align the value of the services we provide with self-determination in people and communities.

On average

Between 2015 - 2021
Injuries on duty daily
Medically related injuries
Permanently Disabled

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