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

Could the pandemic be the catalyst for collaboration between industries?

Could the pandemic be the catalyst for collaboration between industries?

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Business in a post-pandemic world

Business in a post-pandemic world

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How to change your business game plan in tense economic times

How to change your business game plan in tense economic times

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In the news

Is remote working threatening your business?

01 June 2020

Santam has warned that, with remote work and work from home taking off as the new norm, companies need to be extra vigilant to ensure they are not vulnerable to disastrous data breaches or other cyber security incidents.

The A to Z of safety in business

21 October 2019

Building a business is one of the hardest – and most rewarding – things any entrepreneur can do, it would only be prudent to protect what you have built.

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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.