Santam works exclusively through licensed insurance brokers. A completed proposal form – available by clicking the Downloads button on this page – is required. Additionally, please provide:

• A detailed description of the project.
• A list of all contractors and professionals involved.
• Any supporting material that helps present a clear picture of the risk (e.g., brochures, surveys, etc.).

Deductibles apply per occurrence and may be reduced if the insured has deductible infill cover under an annual Single Project PI policy.

The policy remains in force, with the first-named insured retaining the right to appoint a replacement to complete the project.

The Single Project PI policy includes a No Contractual Limitation of Liability clause, meaning any contractual caps are ignored and the policy will respond up to its full indemnity limit.

The consultant must declare the project under their Annual PI policy. If the Single Project policy limit is used up, the Annual policy can provide additional coverage.

Each professional is assessed seperately, and only those responsible for an error or omission will be held liable.

Confidentiality is a top priority. A dedicated legal and project team will be appointed to work independently, ensuring client information remains fully protected.

Brokers usually act for the employer or project owner who arranges the policy to cover all professionals. However, consultants and their brokers are encouraged to engage directly with Santam to ensure full alignment.

The policy covers legal defence costs, providing funding to defend against allegations of negligence, even if the claim turns out to be unfounded.

In these cases, the project owner must take legal action against the professional. The policy only responds if the professional is named in the claim.

If one insured party breaches the policy, only that party will lose coverage. Other insured parties under the policy will still be fully protected.