5 low-cost ways to recognise your employees

We understand that not all businesses, especially  small ones, have the resources to reward high-performing employees. That being said, there’s nothing to stop you from finding other ways of showing your gratitude. Below we share gestures you can make to let your employees know you appreciate them — without breaking the bank.

Say ‘Thank You’

Sometimes, a simple ‘thank you’ can help foster loyalty and good feelings among staff. Make it a point to regularly show appreciation for their hard work. It’s a small gesture that costs nothing, yet many managers restrain from doing it. Remind yourself and others to pay attention to your team’s efforts.

Put it in writing!

While emails are often the go to mode of communication, they tend to come off as a bit impersonal. Try going for a handwritten note, even if it’s a short one. It’s something that they can pin up on at their desk or keep in their purse as a reminder.

Have an ‘employee of the month’ ritual

It may not seem like much, but having an employee of the month ritual could foster a little competition and help boost productivity. It’s also a great way to acknowledge hard working employees. It shows them that the effort that they put in is being recognised. Take a minute at every staff meeting to publicly acknowledge team members who went above and beyond on a work project or customer issue in the past week or two.

Use other markers to measure productivity

We get it, it’s easier to use standards like rewarding someone for the highest sales figures or the most positive customer feedback. But there are other ways that employees go above and beyond for their organisation. This can be something as little as helping another employee finish a workload,  volunteering to help over a weekend, or something as simple as making a cup of coffee. These little gestures deserve recognition, too.

Match efforts with correlating gifts

As an example, if someone gave up one of their Saturdays to come into work, you could give them a gift of a paid Friday off; or you could pay for lunch for employees who are putting in extra hours to meet a deadline. Additionally, you could give grocery hampers at the end of every month, in turn. We’re sure the gesture would come highly appreciated.


Home maintenance checklist

As a homeowner, you are no doubt familiar with the time and labour that home ownership requires. Just like having regular oil changes keep your car engine happy and healthy, keeping up with regular home maintenance tasks will keep you from future headaches and wasted money. With everything that needs doing around the house, it is easy to overlook certain tasks. We’ve compiled a few suggestions on what you can keep an eye out in order to help keep your house, and the surrounding area in tiptop shape.

  1. Inspect roofing for damage, leaks, etc.: Nothing sucks more than having your house leak during heavy rainfall. Not only can it damage your possessions, but also leaky roofs can cause mould over time. Regular inspection can save you money in the long run and ensure your interior is always protected.
  1. Check the drainage system around the house: Puddles should not stand around your home for more than 24 hours. If the water stays, or moves toward your foundation, check your gutters. The most likely culprit is a bad spout or a loose connection. It can also be an indication that your system is blocked, or may just need cleaning.
  1. Clean out gutters regularly: More often than not, gutters accumulate leaves and debris, especially during rainy seasons.
  1. Conduct regular inspection of your home exterior: You would be surprised at how much a good silicone/caulk can fix a lot of your problems! Take a close look all around your house, and make any repairs as needed. Does your house need a fresh coat of paint? Are there cracks in your foundation?
  1. Clear dead plants/shrubs from the house. Did you know that plants can weasel their way into cracks and holes on the exterior of your home, causing damage and shortened longevity? Always clear shrubs and vines away from the house before they have the chance to cause any damages.
  1. Check trees for interference with electric lines: Do not wait for it to fall over. Trim any trees that pose a threat.
  1. Drain water from potted plants: Whilst not technically a home maintenance tip, still water in potted plants, empty containers and blocked drains is the ultimate breeding ground for mosquitoes! For your health and safety, ensure that you drain them regularly.

Have some tips we haven’t listed? Share them with us! Leave a comment!

Health: Swaps to try out in 2019

One of the most common New Year resolutions is to lose weight, or at the very least be more food conscious. We all know how hard it is to give up on the things that we love to eat! But improving your health does not necessarily mean giving things up: it could be as simple as a few tiny tweaks to your diet! Here are a few alternative to consider swapping for next time you’re about to cook, or are out grocery shopping:

  1. Sugary drinks for diet or sugar-free options

You’d be surprised by how much sugar you could cut from yours and your family’s diet by simply opting to go for diet, low calorie or no added sugar versions of sodas and juice. Swap full cream to low-fat milk. Or better yet, choose water!

  1. Olive oil over butter & margarine

Swapping to olive oil can help lower your family’s fat consumption and lower cholesterol. Remember, not all fat is bad fat!

  1. Swap white bread for rye or wholemeal

The high fibre content in wholemeal, rye or seeded bread makes it much better for your health than white bread. Additionally, the way wholemeal or rye breads are digested also means that the sugar, which turns into energy, is released into the bloodstream much more slowly than in white bread. Same goes for pasta! Where possible, swap white pasta for wheat.

  1. Rice

Same with bread, brown rice is better for you because it has more fibre than white. If you’re able to, swap rice out altogether with steamed vegetables. Cauliflower rice is the new ‘rice’ right now for reducing calorie intake and upping your veg count.

  1. Swap sugary cereal for plain cereal

You’ve no doubt heard that breakfast is the most important meal of the day. It ensures you have enough energy to get through to lunchtime without reaching for unhealthy snacks. If cereal is your go to breakfast, instead of going for the sugary laden ones, opt for whole-wheat cereal biscuits or plain shredded whole grain, like Weetabix, cheerios or oatmeal.

  1. Steam not fried

Where possible, steam your food instead of frying. Even boiling is a better alternative.

Small changes can add up to a big diet makeover, whilst still enjoying the things that makes your taste buds tingle. How about you? Are you trying to be healthier this year? What simple swaps will you be making?

Sacos Rewards 6th Winner of our Motor Full Comprehensive Promotion for 2018!

Monday 4 February 2019


The last lucky winners for 2018 Motor Full Comprehensive promotion collected their prizes today at the Sacos head office. In total Sacos has awarded six customers with their annual premium for the year for 2018 and 54 others have collected tokens from Sacos for being loyal customers. It is to be noted that our winners come from all walks of life. Some have been with us for over 30 years and others for as little as one year!

Our star prize winner for December is Ms. Bettyna Talma! Overwhelmed and surprised she is happy to have her full motor comprehensive insurance taken care of for the year. Her mother, Ms. Linda Julienne proudly collected the prize on her behalf. Ms. Talma says she was “pleasantly surprised” when we called her to inform of the good news. Our other prize winners are Ted Barbier, Kevin and Lyne Bonte, Geetha Dsouza, Travis Servina, Dave Gabriel, Brigitte Lesic, Telfred Morel, Dorine Suzette and Michelle Beaufond. They all walk away with Sacos branded gift packs.

With the smiles and appreciation shown by our customers each time we have done the draws, we have decided to continue with our promotion for 2019. This year we will do quarterly draws in March, June, September and December. Apart from winning back the premium for their motor full comprehensive insurance we will add surprise gifts for each draw. “The idea is that we want to keep showing our appreciation to our customers. Our promotions not only reward our customers but also keeps educating about the need to stay safe and protect the whole family. A good majority of car accidents are reported each year and we would like our customers to be able to ensure that their mind is at ease should anything happen to them,” says CEO, Ms. Jennifer Morel.


To all our star prize winners; Mervin Florentine, Eric Confait, Jeffrey Fanchette, Pauline Delorie, Marlene Alcindor and Bettyna Talma; thank you all for your support and keep following the progress of the company with many new exciting promotions to follow.

So, in order not to be disappointed in 2019, pay your Motor Full Comprehensive insurance with Sacos.

Sacos here for you!


For more information, please contact:

Brigitte Appoo

Head of PR and Communications

Sacos Insurance Group

T 429 5000


Need to know: Householder’s Insurance

Householder’s insurance policies are made up of coverages that can help pay to repair or replace your home and belongings if they are damaged by certain perils. A peril is an event that may damage your home or belongings.

Sacos’ Home Insurance consists of two elements: building insurance and home contents insurance. We also have a separate, more basic fire policy.

What is the difference between a householder and fire policy?

A standard householder’s policy provides coverage against a number of perils:

  • Fire and smoke: Your home, its structure, and your belongings will usually be covered for fire as well as smoke damage.
  • Water Damage: Homeowner’s insurance policy does not cover flooding, but they may cover water damage from burst pipes or water heaters when the cause is sudden and accidental. It will not cover damages from defect and wear and tear.
  • Theft: If an intruder breaks a window or door to gain access to your home, insurance will likely cover the damage. Items that are actually stolen are generally also protected by your contents insurance. Most policies have limits on how much they’ll pay out for specific types of personal property.
  • Falling objects: If your home is damaged by a falling object, whether it’s a meteor or a healthy tree that topples in a storm, homeowners insurance may help pay for the damage.

A fire policy however provides coverage against a specific type of risk namely fire, lightning and explosion. You also have more flexibility in terms of coverage with a householder’s policy as you can cover your building, fixtures and fittings whereas a fire policy can only provide you coverage against your building.

What does the Building insurance cover?

Building insurance would cover permanent fixtures. For example, it would normally consider fitted wardrobes, fitted kitchens and built-in appliances, as well as the bricks and mortar to be covered under a buildings policy.

What does the Contents insurance cover?

Contents policy would cover items of furniture and appliances that are free-standing or, if screwed to a wall, easily removable, TV and other electrical goods, clothing, furnishings, jewellery and art, etc.

Home insurance is about protecting the home you love and the contents that matter to you most.

For more information, visit us at our new location in town or call us on 429 5000 or send an email to to learn how you can protect your home.

My business premise has been burgled, what do I do?

Being the victim of a burglary can be devastating, and in the midst of all the chaos it is easy to forget what to do under the circumstance. We’ve compiled a short list of thing you may need to remember, if ever you’re in the unfortunate position of being the victim of a commercial burglary.

Call the police
This goes without saying, but as soon as you discover your property has been burgled, call the police! Not only will it start the investigation, but also you will need the police report if you are going to file a claim with your insurance company.

Don’t touch anything
While it may be tempting to start cleaning up, fight the impulse to. The police need to see everything first, just as you found it. It’s always a good idea to take some photos of the damage and the places where things have gone missing to show your insurer.

Once the police have visited the crime scene and recorded any evidence they need, you can start putting things away.

Make an inventory
Make an inventory of everything that is missing, and where possible collect any evidence you have about the items that have been taken from your property. These could include receipts, valuations and even photographs.

Contact your bank
 Check to see if any financial documents have been stolen. If they have, you should inform the bank(s) you hold accounts with so they may monitor any suspicious account activities. Ensure that you can conduct business without worrying that the criminals will bankrupt you by freezing any accounts which you suspect have been targeted.

Contact your insurance company
If you had the forethought to take out a fire and special perils comprehensive policy, then contact us! Note that your claim will only be valid if there is proof of forcible entry against your property and your premises was properly secured. Remember to submit a police report alongside your claim.

Do not wait to become a victim before you decide that business insurance in necessary.

Pay us a visit at our new location in town, call us on 429 5000 or send an email to; we’d be more than happy to help you determine which policy cover is suitable for your business.

Calculate your insurance premium for an insurance for your child on your own with our new online calculator

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When deciding on buying an insurance policy, one of the big questions that looms in your mind is “how much premium will I have to pay?” (A premium is the amount you pay on a monthly or yearly basis for your insurance policy.)

We have made this process easier for you. Now, at your own convenience, you can calculate the premium on your Junior Plan policy.

Our new online calculator takes the guesswork out of your planning, giving you an answer: right here, right now!

Where can I access the calculator?

 You can find access it on our website under the Junior Plan section (

What does it do, exactly?

 It calculates the premium you will have to pay based on the information you provide on the following:

  • Sum assured (the amount you want your child to receive upon maturity)
  • term years (the length of time of the policy until maturity)
  • age (your current age if you are over 35 years of age; everyone below 36 years can enter the number 35 as it carries the same rate)
  • premium option (you can decide between a monthly, quarterly, biannually or yearly payment)

 What happens next?

The calculator will instantly calculate your premium! That easy!

The calculator is not a ploy to redirect you to our agents. You can contact our agents and officers afterwards to get the process started for the Junior Plan. When you meet with us, there are other underwriting conditions which can affect the final quotation you receive, as well as taxes and processing fees:

 Why is this necessary?

 We figure that since you have spent all that time doing your research, and have finally come to the conclusion that buying the Junior Plan is a huge step towards getting essential protection for your children, then the least that we can do is provide you with information in real time. We are always looking for ways to improve our services and bring our services closer to you.

If you would like more information on our Junior Plans you can download the brochure on our website, pay us a visit at our branches (Maison Esplanade – Victoria, Pension Complex –Baie St. Anne Praslin, Green Corner –Providence)  or call us on 429 5000 or send an email to