Insurance for medical practices

If you are a doctor, we understand that you have specific insurance needs. Our cover is tailored to protect every aspect of risk that your practice may face.

Our medical solution provides cover for:

  • Contents of medical practice
  • Money
  • Business all risks
  • Public liability
  • Employer’s liability
  • Business interruption
  • Fidelity insurance (theft by employees)
  • Accounts receivable
  • Optional cover

Note: This solution is not only limited to the above sections, additional cover can be provided if required.

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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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Cover options


The contents of your practice are an essential part of your business and need to be properly insured.


We know that due to the nature of your practice there may be money held at your practice and/or in transit from time to time. This needs to be insured.

Business all risks

This section provides comprehensive worldwide cover for loss of or damage to equipment both at your premises and while it is taken off your premises.

Public liability

Public liability insurance provides you with cover if you or one of your employees damages someones else's property or causes the death/injury of someone during the course of business.

Employer’s liability

This section covers you as employer in the event of death or bodily injury to any employee during the course of employment if you are found to be legally liable.

Business interruption

Damage to your practice may result in reduced turnover or additional expenses, which may cause serious business interruption that you did not plan for.

Fidelity insurance

Though you take the utmost care in appointing qualified and ethical staff, employees may still commit fraud. This section provides compensation for financial loss to your practice due to theft (money or stock) by employees.

Accounts receivable

Here we provide cover in the event that there is loss or damage to your book of accounting records.

Optional cover

Santam's medical practice insurance solutions are as flexible as your practice requirements. You can tailor your overall insurance policy by adding the following additional cover:

  • Additional glass
  • Increased theft limits
  • Goods in transit
  • Personal accident
  • Electronic equipment (computers and other)
  • Private home (buildings and contents)
  • Vehicles
  • Extended personal legal liability
  • Accidental damage to personal property
  • Watercraft


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.

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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