Purpose-driven organisations

Managing churches and non-profit organisations often come with as many risks as rewards. There is nothing more rewarding than serving the community you work in. But for these organisations any loss or financial strain on already limited resources can be devastating. Santam’s Religious offering helps ensure that your property is covered against buildings, assets and legal liability risks.

We cover a wide range of organisations

Churches, non-profit organisations and religious institutions in South Africa need insurance they can trust. Get protected with Santam insurance.

Charity organisations

Children’s homes

Christian centres



Missionary organisations




Synodical centres


Welfare organisations

Youth outdoor centres

Extensive insurance to ensure your NPOs and religious organisations are able to serve with care

Santam’s insurance expertise covers a wide range of fields. With more than 100 years of experience, we can identify the risks that your organisation may be exposed to and design a tailored solution to meet your specific needs. Listed below are just a few of the covers available for religious institutions

Fire and other insured perils

When the unthinkable happens, we’ve got you covered. We cover your church, synagogue, other religious facility or non-profit organisation against damage caused by storms, wind, water flooding or fire as well as vandalism.

Business all risks

Insure the things that you need to take with you on trips. Get comprehensive cover for specified items both on and off the premises, including liturgical objects, paintings, video cameras, audio-visual equipment, theatrical equipment, catering equipment and more.


Your organisation’s buildings are the most important assets in which to serve your community. Our building insurance provides comprehensive cover for all buildings.

Business interruption

When an organisation that serves communities, property is damaged, having business interruption insurance is vital, both to the organisation and the community at large. When your church, synagogue, or other religious facility or non-profit organisation is damaged by an insured peril business interruption can provide protection.


Safeguard your vehicles. Cover your organisations motorcars, ldv’s, buses, trailers, motorcycles and any modified vehicles as well as legal liability. Cover can also be included for motor hire, driver repatriation, mechanical breakdown and towing costs.


Many organisations keep money on their premises and need to transport it from time to time. We provide cover against the loss of or damage to money kept on the premises and while in transit and can also be extended to include Personal Accident Assault cover.


We offer a wide range of liability cover solutions, from slip and trip to unintentional failure of the insured to perform the legal duty to exercise due care owed to another person or party. An organisation's actions could leave them legally liable for damage or injury to others and/or third party property. Cover can also be extended to include wrongful arrest and defamation.

Umbrella liability

This cover is used as a top-up on the standard liability cover. It provides the peace of mind that comes from knowing you have an additional layer of protection for the selected public and motor liability solutions.

Group personal accident

Accidents happen. This cover protects you against accidental bodily injury or death of an employee on or off the premises. Standard cover is for death, permanent disability, temporary total disablement and limited emergency expenses. Cover can be extended to include bereavement expenses, disappearance, emergency transportation, search and rescue, and more.

Electronic equipment

As a place of worship and safety religious organisations and non-profits are dependent on computer equipment, including printers for their day-to-day activities. Insurance is provided on the premises on an all-risks basis for specified equipment, as well as off the premises for laptop, tablet or other similar portable electronic equipment designed to be carried by person.

Customise your cover

Our intermediaries are knowledgeable, skilled experts who can guide you through the many cover options, and ensure you get the right cover for your specific needs.

Get a quote

To get business insurance, provide a few details and let us call you.