FILE PHOTO: Dressmaker Faieza Caswell from Mitchells Plain sews under candlelight in her workplace, on the Cape Flats due to South Africa’s struggling power utility company Eskom, implementing regular power cuts – called ‘load-shedding’, in Cape Town, South Africa February 11, 2023. Natural disasters, civil unrest and Eskom’s woes are driving up insurance costs in Africa’s most developed economy. REUTERS/Esa Alexander/File Photo