The R10 Million Mistake Hiding in Your HR File In 2026, South African insurers aren’t just checking if your staff are “trained.” They’re checking when . If your designated First Aider’s SAQA 12483 certificate is expired , your business is legally exposed. Insurers deny claims  under “Failure to Maintain Competence” Dept. of Labour fines you  under OHS Act Section 8 Lawyers liquidate you  under vicarious liability This isn’t theory. It’s happening in Cape Town right now. What