Bold Steps. Human touch.
Mission
We exist to elevate the broker experience, delivering intelligent insurance solutions that are responsive, clear, and accountable. We’re invested in helping brokers transform how they do business & how they service their clients.
Vision
To become the most trusted, agile, and technically respected partner in insurance, reshaping the future through bold simplicity and broker-focused solutions. Apex will not just participate in the market — we will define it.
Values
Respect
Every interaction matters.
Integrity
We do things right, even when it's not easy.
Courage
We challenge the status quo with clarity and conviction.
Connection
Rooted in collaboration and understanding.
Accountability
Clarity, consistency, and care.
Every touchpoint builds trust. Solutions are crafted with care, and brokers are treated as partners first. Fast. Agile. Human.
OUR TEAM
Excellence Through Teamwork
Meet the dynamic individuals committed to achieving excellence, driving results, and exceeding expectations in all that we do.
SHARON CASTRO CARBALLO
Chief Operating Officer (Apex Group)
With over three decades in insurance, Sharon leads Apex with precision, clarity, and conviction. Her experience spans underwriting, claims, and operational transformation across leading insurers. Known for her ability to simplify complexity and build high-performing teams, she drives Apex’s vision of human-first, decisive underwriting that delivers confidence for brokers and their clients.
SHARON CASTRO CARBALLO
Chief Operating Officer (Apex Group)
SHARON CASTRO CARBALLO
Chief Operating Officer (Apex Group)
ANCKE VERMUELEN
Head: Underwriting
Ancke brings deep expertise in commercial underwriting and risk management, balancing strategic insight with operational excellence. Her approach is analytical and pragmatic, focused on accurate assessment, speed, and consistency. She champions collaboration with brokers to build resilient portfolios and uphold Apex’s standard of clarity and accountability in every decision.
ANCKE VERMUELEN
Head: Underwriting
CAROL SHERRIFF
Head: Claims Operations
Carol has over 30 years of claims experience and a proven record of operational excellence. She leads Apex’s claims function with discipline and empathy, ensuring every claim is handled as a moment of trust. Her commitment to precision, people development, and continuous improvement reflects Apex’s belief that reliability is built through consistent, human performance.
CAROL SHERRIFF
Head: Claims Operations
PAUL LANDMAN
Head: Client Services
With more than 24 years in short-term insurance, Paul leads client service with focus and integrity. His background at Santam and FNB shaped his understanding of both client and broker needs. At Apex, he ensures every interaction is responsive, transparent, and anchored in partnership, turning service delivery into a measurable advantage for brokers.
PAUL LANDMAN
Head: Client Services
ETIENNE DU TOIT (CSO)
Chief Strategic Officer
Etienne leads business partnerships that drive growth and competitive advantage for Apex. He builds and strengthens broker relationships, uncovers new revenue opportunities, and anticipates market shifts to keep the organization ahead of change. With a disciplined strategic approach and strong commercial focus, he ensures partnerships deliver shared value and long-term, sustainable performance.
ETIENNE DU TOIT (CSO)
Chief Strategic Officer
RUSSELL FIVAZ
Chief Underwriting Officer (CUO)
Russell leads Apex’s risk and underwriting strategy, setting the technical and strategic direction of the portfolio. With deep expertise in commercial and corporate property insurance, underpinned by structured reinsurance architecture, he drives disciplined risk selection and optimised capital deployment. His approach strengthens underwriting performance, safeguards capacity, and reinforces Apex’s reputation for technical credibility and market leadership.
RUSSELL FIVAZ
Chief Underwriting Officer (CUO)
MARIUS SCHEEPERS
Chief Growth Officer (CGO)
I’m Marius Scheepers, part of the Apex Underwriters team - a company committed to disrupting the ordinary in insurance. With a strong background in the industry, I focus on delivering solutions that combine technical expertise with clarity, transparency, and collaboration. At Apex, we believe meaningful partnerships drive progress. My goal is to simplify complexity, build trust through accountability, and help brokers deliver intelligent, human-centred solutions that truly make a difference. I’m driven by integrity, respect, and the belief that every interaction should create lasting value.
MARIUS SCHEEPERS
Chief Growth Officer (CGO)
Apex Underwriters backed by VEA Capital Partners
Apex Underwriters is backed by VEA Capital Partners, the investment arm of VEA Group a diversified global enterprise operating across finance, technology, infrastructure and insurance-related services.
This backing provides Apex with institutional stability, strategic oversight and access to group-wide systems that enhance underwriting precision, claims performance and broker service delivery. Supported by VEA Capital Partners’ disciplined governance and long-term investment philosophy, Apex is positioned to innovate confidently while maintaining the consistency and reliability brokers and partners depend on.
About VEA Capital Partners
VEA Capital Partners is the investment and acquisition arm of VEA Group, responsible for identifying, acquiring and scaling high-potential businesses across multiple industries. With a mandate that extends beyond capital alone, VEA Capital Partners provides patient investment, strategic leadership and operational systems that transform potential into enduring enterprise.
Each portfolio company benefits from institutional backing, shared governance frameworks and access to VEA Group’s global operating infrastructure. Investments are guided by a performance-driven philosophy focused on clarity, discipline and measurable impact ensuring sustainable growth, resilience and long-term value creation.
VEA Capital Partners does not speculate on the future; it builds it through strategic stewardship, disciplined execution and a relentless focus on excellence.
About VEA Group
VEA Group is a global, diversified investment group built on discipline, precision and long-term value creation. Headquartered in South Africa with active operations across the United Kingdom, United States and Namibia, VEA Group unites specialised businesses under one shared operating system focused on clarity of purpose, disciplined execution and measurable performance.
Across infrastructure, finance, technology, agriculture, hospitality, aviation, mining and lifestyle sectors, VEA Group designs, builds, finances and sustains the systems that move economies forward. Each business operates independently while aligning to a common leadership ethos and performance framework that prioritises accountability, consistency and excellence as standard.
VEA Group’s strength lies not only in its scale and diversification, but in its ability to turn vision into execution building resilient businesses that are structured for growth, trusted by partners and designed to create generational value across industries and geographies.
