Commercial insurance

We understand that running a successful small, medium or large business takes years of hard work and the right partnerships. Our business insurance expertise comes from understanding every aspect of risk your business may face and ensuring that you are covered for it.

Apart from the size of your business, your insurance risk is largely determined by the industry you operate in. Because we are able to identify every aspect of risk you may face, our insurance expertise is critical to providing you with the correct cover, and because we’ve been doing this for nearly 100 years, it’s easy to see why so many business owners trust us when it comes to their insurance.

Brochures

Click here to read a comprehensive break-down of our insurance solutions.

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The benefits of insuring your business with us

Santam is the insurer of choice for thousands of South Africans countrywide. We help you be safe and stay safe – everywhere you go. If you need five more reasons to choose Insurance good and proper.

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Welcome to our blog

Advice, insights and expert opinions for SME owners and managers.

Hidden costs of starting a new business

Hidden costs of starting a new business

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How to estimate your start-up costs

How to estimate your start-up costs

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Advice on running a successful business

Advice on running a successful business

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Insurance solutions

Insurance for businesses

Whether you operate a hair salon or a large accounting firm, we have the experience and in-depth expertise to insure your business properly.

Insurance for tourism & leisure industry

If you’re a private restaurant or resort owner, we have designed cover that suits your business’ specific needs.

Insurance for guesthouses

Whether you’re a guesthouse or B&B owner, we have designed cover tailored to suit your insurance needs.

Insurance for dental practices

If you are a dentist, we understand that your insurance needs are unique. Our cover has been designed with your practice in mind.

Insurance for medical practices

If you are a doctor, we understand that you have specific insurance needs. Our cover is tailored to protect every aspect of risk that your practice may face.

Insurance for small businesses

We understand that risks differ and that every start-up business is unique. Through a focused small business insurance offering, we will help to ensure that your start-up is properly covered.

Calculator

Use these simple tools to check if your business is sufficiently protected. Having the right cover in place will ensure quick and hassle-free claims in times of need.

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Santam app

Manage your personal insurance inventory, send and receive instant SOS alerts and track the safety of loved ones with one easy swipe on your smartphone.

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Get great deals through our partners

Benefit from the range of Santam service providers that offer exclusive discounts on services that will improve the safety and security of you, your family and possessions.

Mirfin
National Inventory Data
Chubb
ADT
Maxidor
Tracker
Surgetek
Altech Netstar
Spectrum
Trellidor

In the news

Protect your business from silly season risks

07 December 2018

No business wants to experience downtime in the busiest weeks of the year. Santam, the Top Business Insurer in the 2018 Sunday Times Top Brands Survey, has top tips for companies to combat festive season risks.

Could your SME be the next cybercrime target?

17 October 2018

It’s not just big businesses that are susceptible to cybercrime. It’s SMEs as well. These smaller businesses are arguably even more vulnerable, considering they frequently don’t have the awareness or resources required to mitigate the threat. In fact no-one is safe.

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