Santam works exclusively through licensed insurance brokers. A proposal form – available by clicking the Downloads button on this page – recent audited financial statements, and full claims history are required to begin the underwriting process.

While Santam has a broad risk appetite and aims to find solutions for most exposures, the following currently fall outside our underwriting scope: 

• Retirement fund trustees and administrators.
• Medical aid and insurance administrators.
• Reinsurance brokers.
• Underwriting managers.

• Third-party losses caused by negligence or employee dishonesty.
• Internal fraud or theft committed by employees against the insured. 
• Negligent investment advice or execution errors.
• Fiduciary breaches for failing to act in the best interests of clients.