Small business insurance solutions

We understand that risks differ and that every start-up business is unique. Whether you’re running an animation business or an accounting company, Santam has more than a 100 years of experience and in-depth expertise to insure South African businesses properly. Through a focused small business insurance offering, we will help to ensure that your start-up is properly covered in an emergency such as a fire or theft.

Types of tailored cover

Below is a table which explains the types of tailored cover we offer along with the corresponding premium. 

Package cover limit

Administrative Business premium

Retail Business premium

Manufacturing Business premium

R75 000




R120 000




R200 000




R300 000




R500 000


R1 103


R600 000


R1 296

R1 050

R750 000


R1 586

R1 276

*Please note that your specific business insurance premium is subject to your business risk profile.

Learn more

Welcome to our advice section

Santam shares the latest news and fresh perspectives on issues affecting the insurance needs of our commercial and professional clients.

Business in a post-pandemic world

Business in a post-pandemic world

Learn more
How to change your business game plan in tense economic times

How to change your business game plan in tense economic times

Learn more
Could COVID-19 help curb the gender leak?

Could COVID-19 help curb the gender leak?

Learn more

What do we cover?

We know there are certain risks that most businesses have in common and we will help you ensure that you have the right cover for your start-up. 

For as little as R162 per month, your business will be covered for product liability and client legal liability up to R3 000 000. Our insurance packages also protects the contents at your business premises against:

  • Fire, lightning, explosion
  • Storm, wind, water, hail, snow
  • Earthquake
  • Impact
  • Burglary
  • Malicious damage
  • Damage whilst in transit and;
  • Accidental loss of keys 

Follow the monthly diaries of 2 businesses on their journey to 1001 days

The first 1000 days in business are statistically the hardest. If you’re still in business at day 1001, you’ve beaten the odds. In the Santam 1001 Days web series, we’ll follow two start-up businesses to share the lessons they learn and challenges that they face along their journey so you can plan for yours.

Read more