Insurance products for corporate property clients

In today’s increasingly challenging risk landscape, you need a corporate property insurance expert with in-depth knowledge and solution-driven products that offer you the coverage that’s right for your business. Emerald Risk Transfer is the largest underwriting manager of corporate property and affiliated engineering risks in South Africa. Key to our success is the correct understanding and measurement of risk, appropriate reinsurance placement, and accounting and effective claims management.

Why choose Emerald

Our capacity

The current capacity per risk is ZAR 1.5 billion based on policy loss limit in South Africa and Namibia. The current capacity per risk is USD15O million or local currency equivalent on a limit of liability basis for the rest of Africa (Excluding South Africa and Namibia).

International A-rated paper solution

Emerald is able to offer AA-rated security through a binding authority from New Reinsurance Company Ltd (NewRe) and may use their international Standard & Poors AA- credit rating to write inwards reinsurance business. NewRe is registered in Zurich, Switzerland and is a wholly owned subsidiary of Münchner Rückversicherungs-Gesellschaft (Munich Re).

Significant portfolio throughout Africa

We have access to the Sanlam Pan Africa cedant network in 29 African countries, with a significant existing portfolio throughout the African continent, offering insurance solutions to over 600 clients in Africa, of which 75 are South Africa’s top 100 companies. We also insure businesses in India, Southeast Asia and the Middle East.

More about Emerald

Established in 1999, Emerald Risk Transfer is a wholly owned subsidiary of Santam Limited that offers solution-driven insurance products to corporate policyholders. We aim to create innovative solutions and quality capacity while maximising returns to all stakeholders. (Emerald is an authorised FSP).

We provide a range of innovative insurance solutions

Cover includes:


Industrial manufacturing and engineering works

Leisure and tourism, hotel and lodge groups

Multinational companies

Political and non-political riot, strike and civil commotion, including terrorism and war if required

State and municipal entities with or without power generating plants

Conventional power generation

Freight and passenger rail entities (including stations and rolling stock)


Telecommunications (fixed and mobile networks)

Petrochemical (excluding risks outside of Africa)

Infrastructure (airports, ports, water supply and electricity suppliers)

Renewable energy

Industrial food and agriculture processing

Mining (including underground risks)

Mining process (including smelters and furnaces)

Large retail and property portfolios

Get a quote

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