hero

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 nearly 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

R162

R332

R298

R120 000

R221

R449

R388

R200 000

R292

R590

R499

R300 000

R406

R517

R674

R500 000

R550

R1 103

R900

R600 000

R647

R1 296

R1 050

R750 000

R793

R1 586

R1 276

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

Learn more Get quote Get quote

Welcome to our blog

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

Hidden costs of starting a new business

Hidden costs of starting a new business

Learn more
How to estimate your start-up costs

How to estimate your start-up costs

Learn more
 Advice on running a successful business

Advice on running a successful business

Learn more
background

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