Where we deliver our income from

Santam's presence

Santam is the leading general insurer in South Africa with a market share of more than 22%. We provide a diverse range of general insurance products and services in southern Africa and internationally through a network of 2 700 intermediaries and direct channels. We serve more than 1 million policyholders who range from individuals to commercial and specialist business owners and institutions.

Insurance operating segments

We offer our products and services through our business portfolio:

Conventional insurance

Santam Commercial and Personal

Santam Specialist

Santam Re


Alternative Risk Transfer (ART)

Centriq and Santam Structured Insurance

Sanlam Emerging Markets (SEM) partner businesses

Santam’s investments and strategic partnerships including Sanlam Pan-Africa