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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+ Accidental damage
+ Money
+ Business All Risk
+ Theft
+ Fire
+ Public liability
+ Electronic equipment
+ Theft by employee
+ Personal accident
+ Business Interruption
+ Building
+ Glass
+ Office contents

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

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.

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.

Welcome to our advice section

Advice, insights and expert opinions for SME owners and managers

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How to reduce business threats with proactive risk management
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In the news

Santam Women of the Future 2021 winners

01 April 2022

They took home the top trophies at the Santam Women of The Future Awards in association with FAIRLADY and TRUELOVE last year. Here’s what our extraordinary winners have been up to since then.

Safeguarding Your Business This Holiday Season

18 November 2021

Year end is approaching, and as businesses get ready to close shop for the holidays it is imperative that owners do as much as they can to safeguard their operations while they are away. Here’s a checklist to minimise the risk of having insurance-related claims.

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.

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.

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.