Stay vigilant. Santam has been made aware of a malicious e-mail instructing policyholders to claim a refund within 24-72 hours. This is a scam, Santam will only communicate through their broker or official channels. Learn more.
It’s not easy running a business. Fierce competition, demanding customers and unreliable supply chains are some of the everyday challenges that can put your business at risk. But there are some things you can count on – your business savvy and our cover. Santam offers insurance good and proper for businesses of all sizes. Our depth of expertise means we recognise specific risks your organisation may face and provide tailored solutions for optimal cover. Because choosing the right insurance for your business is the foundation of protecting it.
Flexibility to meet your changing needs
From comprehensive commercial business cover to specialist risk products for niche industries, we’ll find the best solution to match your current requirements, with the flexibility to change as your business does.
Expert support to ensure insurance good and proper
Insurance risk is determined by many factors. With 106 years of insurance expertise, we provide you with industry-specific cover suitable to the stage that your business is in.
Specialist risks for niche industries
Insurance is rarely a one-size-fits-all solution. We have crafted a range of specialist risk products designed for niche industries with unique and specific needs.
No matter the size of your business, we’ll cover all your vehicles against everyday travel risks. We offer eight different cover options to select from depending on your needs and budget.
Whether you own or rent a property, your business premises is the heart of your business. Our comprehensive range of cover solutions offers protection against damages to your business’s physical assets, as well as for losses arising from an incident causing an interruption to your business operations.
Protect the business you’ve spent time and effort building against a wide range of liabilities. Our specialist liability cover options protect your business against legal liabilities for property damage or bodily injuries to third parties arising out of your business activities, with the option to extend cover to include legal liability for products supplied and defective workmanship. Specialist covers can be obtained via SHA and/or Mirabilis . Additional contingency cover can be arranged for employee injury during their employment, and more.
The SmartSME product is designed for a small business with buildings and/or contents with a combined value of less than R5 million and a maximum of 5 vehicles. Santam SmartSME is tailored to your needs, easy to understand, easy to buy, affordable and has extra benefits to support your business.
No two businesses are alike and, when it comes to specific industries, the needs of a business can differ vastly. Delivering on our promise to provide insurance good and proper, not only can our standard business insurance be customised to suit your needs, but we’ve created tailor-made insurance products to meet the unique requirements of specific industries.
We offer standard business solutions and industry-specific cover for guesthouses, B&Bs, timeshare and more. Helping to keep your doors open.
Learn moreWe know the ins and outs of what it takes to cover B&Bs, hotels, game farms, golf estates, restaurants and restaurant franchises, and more. So, you can continue to welcome global travellers to your premises.
Learn moreSectional title, homeowners’ associations, retirement villages – we meet the needs of the collective property schemes industry with comprehensive, industry-specific solutions. For when people’s homes depend on it.
Learn moreProtecting the assets of educational institutions is a highly specialised field. We offer protection against risk for buildings, equipment, sports facilities and more. So, you can keep growing our future generations.
Learn moreInsuring religious institutions requires an in-depth knowledge of the specific risks these organisations face. Our expertise, which spans over 106 years, guarantees peace of mind that all eventualities have been anticipated.
Learn moreRunning a small business in South Africa comes with unique challenges and opportunities. Get cover that meets your specific needs.
Learn moreCybercriminals no longer only target big businesses. Large, small, whichever industry you’re in, every business is a potential target for criminals and they are getting more and more sophisticated every day. Insure your company against cyber threats such as data breaches, cyber extortion and cybercrime and associated third-party liability arising from a breach.
Learn more
At Santam, we understand this and know that your time is precious. You need to focus 100% of your time and energy on your livelihood. View our services.
24hr roadside assist
Our Roadside Assist is an optional value-added service available at an affordable cost per month per vehicle.
24hr emergency medical assist
Get free medical assistance with your policy.
Legal advice
Get free legal advice with your policy.
Santam business assist
Santam Business assist is available at an affordable cost per month.
Need immediate assistance?
0860 505 911
Let’s create your perfect solution together. Contact one of our expert intermediaries to customise your cover.
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