Company History

1987 – 1993

Koos started his career in 1981 at Standard Bank working in all the departments ending as manager’s clerk in the advance department. Koos started his Insurance career in 1987 with Old Mutual as a financial planner. He qualified soon as large producer and went on to fulfil various positions i.e. Snr Financial Advisor, District Manager and Bank broker at Nedbank. From the outset Riekie was on his side assisting with the administration, finance and staff related matters.

1993 – 1999

Koos & Riekie Smit Brokers cc were formed with staff complement of 4. The Company’s aim was to provide a one stop financial service to all their clients.

1999 – current

In 1999 Koos & Sandy Guthrie met and decided to join forces, focusing on short term insurance only. Koos & Riekie Smit Brokers then became two companies i.e. Smit Advisors – Investments & Life Insurance / Smit & Kie – Short term Insurance. Sandy with his know how in short term insurance product design & administration; Koos & Riekie with their large client base and connections to independent brokers. The company showed rapid growth year on year.

Sandy was previously a senior partner in a large family owned brokerage. The group decided to unbundle in 2016. The process of unbundling helped the competitive spirit of the newly formed Insbro Group of which Sandy is the sole director. It also aligns with our view to add value to independent brokers whilst growing your own estate & company name, you not need to stand on your own island, having the combined knowledge & buying power of group of likeminded independent brokers. Each broker / brokerage now can offer their clients excellent product design, competitive pricing, efficient policy administration & claims settlement.

Company Profile

SMIT & KIE is a national-class short term insurance brokerage with delegated outsource & binder powers from national Insurance companies. Since inception in 1999 Koos & Riekie had progressively developed the company’s administrative infrastructure to allow small & medium sized independent brokers that operates across South Africa, to offer their client’s excellent product design, competitive pricing, efficient policy administration & claims settlement. The broker now can focus on what he does best i.e. giving advice to clients. Relieving him/her from policy administration, compliance and accounting issues.

SMIT & KIE is proud to do the administration of 5 000 plus clients under which there are several of the country’s mega farmers as well as large road & construction companies, factories, general mining, commercial buildings & businesses, Hotels, lodges, branches of national chain stores, transport companies and domestic policies.


SMIT & KIE Brokers (Pty) Ltd consists of Short term Insurance Broking and the administration thereof on behalf of Leading Insurance companies.

The two divisions complement each other to provide a complete service.

SMIT ADVISORS cc completely separated from Smit & Kie consist of the full range of Life Insurance, Investment & Medical aid products and has a non-compete agreement with all Smit & Kie Brokers & affiliated independent brokers.

Board of Directors

Whilst Koos is assisting his daughter Nadine Du Plessis (CA(SA)) to take over the day-to-day running of operations, he continues to actively support the management team and expansion of the company. His experience gathered through previous cycles in the financial & insurance industry is invaluable as we navigate through the current patch of learner years.

The internal organisation delivers good results in terms of efficiency and flexibility whilst allowing for adequate levels of control and management assisted by his wife Riekie Smit.

This structure will be maintained going forward with Sandy Guthrie in charge of the activities of the Insbro Group who forms an integral link to insurance companies.

Our Vision

  • To be respected as the service provider of choice in the insurance industry
  • To engage highly motivated and qualified personnel to provide the best service to our clients
  • To obtain the best products at the right price and will continuously develop and train our personnel
  • To stay ahead of changes in our industry
  • To comply with regulatory authorities

Our Strategy

Smit & Kie’s strategy is to deliver tailor made insurance cover for our clients to ensure best possible financial claim settlement and maximise shareholder value is summarised as follows:

Pursuit of operational excellence
  • Employ best practice planning methods
  • Drive continuous operational improvement
  • Employ best suitable technology
Ensure sustainability
  • Drive transformation
  • Be environmentally responsible
  • Create safe work environments
Develop our people
  • Implement continuous leadership development
  • Implement continuous training and skills transfer
  • Empower employees
Accumulate quality workload
  • Build a portfolio of top industry clients
  • Build a portfolio of like minded independent brokers across South Africa
Build and protect our reputation
  • Employ sound governance practices
  • Quality, transparent and complaint reporting
  • Positive stakeholder engagement

Social Responsibility

Corporate Social Investment

Smit & Kie Brokers is aware of its social responsibilities and believes it is crucial for businesses to play a positive role in the communities within which they operate. Smit & Kie Brokers Corporate Social Investment (CSI) strategy is to focus on the sick, elderly & education. In this way to assist the growing need of the needy.