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Business insurance solutions

You’ve built a business your customers rely on, and we understand that every business is unique and that the risks differ. Now you can rely on our in-depth expertise to help protect it. Santam offers essential business insurance to ensure your loyal fans never have to go without.

Business insurance can seem like a complicated maze, which is why we’ve created a simplified interactive visual of typical business risks.

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Welcome to our blog

Advice, insights and expert opinions for SME owners and managers

8 ways to make your small business more distinctive

8 ways to make your small business more distinctive

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6 Reasons to celebrate being a local business

6 Reasons to celebrate being a local business

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Local businesses: turning customers into fans

Local businesses: turning customers into fans

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The benefits of insuring your business with us

Santam is the insurer of choice for millions 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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What we cover

Selecting the right insurance for your business is often seen as a difficult, time-consuming task. But while no two businesses are ever exactly the same, there are certain risks that most businesses share in common. To help make selecting the right insurance for you simpler and easier, we’ve created an interactive tool to help highlight the different types of risk your business could potentially face, and the solutions we offer.

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Goods in transit

Goods in transit

Theft or damage to goods in transit is very often out of your control and can happen at any time due to various circumstances, which makes being covered for this risk so important.

vehicles

Vehicles

If it has wheels we can cover it with comprehensive insurance for all types of vehicles from, cars, bakkies, busses, trucks, trailers, caravans and motorcycles.

Machinery Breakdown

Machinery breakdown

Your machinery may be covered for fire and theft, but we also cover accidental damage to your equipment and machinery and the costs associated with repairing it.

Deteriation

Deterioration of stock

Breakdown of machinery may also result in the loss of refrigerated stock, but we have you covered for financial or related loss that may occur.

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.

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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

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 business and 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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In the news

What those in the hospitality biz need to know as holidays approach

10 April 2019

April is here and all over South Africa, locals are planning on taking advantage of the lovely holiday weekends coming up. With the anticipated surge in bookings and visitors to your establishment, it is important to ensure that your property and staff follow best practices to be properly indemnified against potential liability claims.

Ways to protect your Airbnb this Easter season

28 March 2019

Many South Africans have become Airbnb hosts, either as a main income source or savvy side hustle. In fact, a report from Airbnb last year showed there are about 35 000 SA home hosts (65% of whom are women), collectively earning over $260-million, with a ripple economic impact of $678-million (from 1 June 2017 to 31 May 2018).

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