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 secure your legacy for years to come.

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

Our standard business solution provides cover for the following

  • Fire
  • Buildings (combined)
  • Business interruption
  • Theft
  • Office contents
  • Money
  • Glass
  • Goods in transit
  • Business all risks
  • Accidental damage
  • Fidelity insurance (theft by employees)
  • Public liability
  • Employer’s liability
  • Umbrella liability
  • Group personal accident cover (individuals and employees)
  • Vehicles
  • Electronic equipment
  • Machinery breakdown
  • Business interruption following machinery breakdown
  • Deterioration of stock

Please note: This solution is not limited to the above covered areas – additional cover can be provided if required. Speak to your intermediary for more information. Santam. Insurance good and proper.

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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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Welcome to our advice section

Advice, insights and expert opinions for SME owners and managers

Time to spring clean your business' finances

Time to spring clean your business' finances

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Safeguarding your small business during these turbulent times

Safeguarding your small business during these turbulent times

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Award-winning entrepreneur Lindiwe Matlali’s secrets to her success

Award-winning entrepreneur Lindiwe Matlali’s secrets to her success

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In the news

Santam appeals to clients to submit outstanding Contingent Business Interruption (CBI) claims

03 August 2021

CBI claimants have a final deadline date of 31 August 2021 to submit their claims information to Santam.

Avoiding hidden surprises in your commercial motor cover

12 July 2021

If anything happened to your company’s vehicles, would it put the brakes on your business being able to operate? It’s critical to ensure your fleet cover is up-to-date and adequate.

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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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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.