Engineering insurance that builds, powers & protects Africa
Nothing quite compares to the satisfaction of seeing solid walls rise, machinery hum to life, or renewable energy power up for the first time - knowing your work will stand the test of time. But getting there takes time, skill, long-term vision, and the stamina to last the distance. That’s where contractors all risk insurance and Santam’s full suite of engineering cover can be a make-or-break factor for your success. Whether you’re breaking ground on a new housing development, erecting wind turbines, laying kilometres of railway, or installing cutting-edge medical equipment, Santam’s engineering and construction insurance ensures the risks you encounter along the way don’t derail your progress.
Construction & Civil Engineering – Beyond just buildings
We insure far more than new houses and small developments.
Our Contractors’ All Risks (CAR) and Erection All Risks (EAR) policies cover the continent’s most ambitious infrastructure and industrial projects, including:
- Civil Engineering Works – Roads, highways, bridges, viaducts, dams, reservoirs, tunnels, bulk earthworks, retaining walls, ports, harbors, and railways.
- Building Works – Residential complexes, commercial centers, institutional facilities, industrial plants, and large-scale renovations.
- Structural Steelwork – Steel frame buildings, tower structures, racking systems, and canopies.
- Electrical Works – Installations, street lighting, substations, transmission lines, and control systems.
- Mechanical Works – HVAC, fire systems, pumps, compressors, generators, engines, lifts, and escalators.
- Plumbing & Drainage – Water reticulation, sewer and stormwater systems, irrigation, and tank installations.
- Renewable Energy & Power – Solar, wind, hydro, battery storage, and off-grid solutions.
- Telecommunications Infrastructure – Towers, fibre optic installations, and data centers.
- Mining Infrastructure – Tailings dams, conveyor systems, shafts, declines, and processing plants.
- Specialist Works – Demolition, landscaping, fit-outs, scaffolding, piling, waterproofing, facades, and swimming pools.
Plant & Equipment – Static, Semi-Mobile, Mobile
Our Contractors’ Plant & Equipment (CPE) and Contractors’ Plant & Machinery (CPM) policies protect plant and machinery across multiple industries:
- Construction & Civil Engineering
- Mining & Quarrying
- Plant & Equipment Rental / Hire
- Forestry & Timber
- Oil, Gas & Energy
- Ports & Logistics
- Manufacturing & Industrial Projects
- Utilities & Infrastructure Maintenance
- Specialist Engineering Contractors
Whether your equipment is stationary, semi-mobile or fully mobile, we provide comprehensive cover tailored to your operational environment.
Large Electronic Risks – Critical Technology Protected
Our Electronic Equipment All Risks solutions safeguard essential systems and assets in high-value, high-dependency environments:
- Technology & IT Infrastructure
- Telecommunications & Networks
- Corporate, Finance & Office Complexes
- Media, Broadcasting & Events
- Healthcare & Research
- Security, Transport & Critical Infrastructure
From leased hardware to cutting-edge medical imaging equipment, from broadcast studios to airport control systems we cover the technology that powers modern business.
Why Santam leads the continent in engineering Insurance
With unrivalled technical knowledge, specialist underwriting expertise, and the financial strength to settle even the largest claims, Santam is Africa’s trusted partner for engineering and construction insurance.
We don’t just issue policies, we understand the projects, the machinery, and the risks. That’s why clients choose us for everything from local developments to billion-dollar infrastructure projects.
Build, Operate, Protect – with Africa’s Engineering Insurance Leader Partner with Santam for cover that’s as robust as the projects you deliver.
Talk to Santam today
Ready for insurance that covers you all the way from breaking ground to the finishing touches of your project? Speak to your trusted broker. Our cover is built for your needs.