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Business insurance solutions

We understand that every business is unique and that risks differ. Whether you operate a hair salon or a large accounting firm, Santam has nearly 100 years of experience and in-depth expertise to insure your business properly.

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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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 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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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

Fires cost South African businesses millions annually

10 August 2017

South Africa loses millions of rand to fire each year. The past fire season has seen thousands of people displaced from their homes as a result of fires in the Knysna area while acres of vineyards were destroyed in the Western Cape in January, decimating revenues within the wine industry.

Insuring the wine industry

20 January 2017

The recent spate of fires in the winelands of the Western Cape has again brought the issue of the wine producer’s risk to the fore, with a number of wine farms being adversely affected. Shehnaz Somers, head of commercial underwriting at Santam said the company is still assessing the damage and loss as a result of fires spreading to well-known vineyards and guest farms in the winelands and surrounding areas over the past month.

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