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.
This section provides comprehensive cover for your buildings and their contents.
Fire
Fire and related risks can have devastating effects on your assets and in turn your business.
Business interruption
Damage to your business as described in the building and fire sections may result in reduced turnover or additional expenses, which may cause serious business interruption that you did not plan for. You therefore need to ensure that you are covered for this.
Vehicles
This covers vehicles such as motor cars, bakkies, buses, trucks, trailers, caravans, motorcycles and special type vehicles.
Money
Limited cover for money on your premises is already available under the building and fire sections, however, additional cover can be purchased according to your individual business needs.
Public liability
Public liability insurance covers you in the event that you or one of your employees damages someone else's property or causes the death/injury of someone during the course of business.
Umbrella liability
Umbrella liability is an extension or top-up of your existing liability cover that is available to you.
Theft
This cover insures your business contents against loss or damage without any forcible/violent entry or exit limitation, except for areas containing liquor or cigarettes.
Other sections
Santam's insurance solutions are flexible enough to incorporate all your insurance requirements, tailoring our services to your specific needs.
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.
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.
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.
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.
You represent the heart and soul of your small business. The key to your marketing campaign is to share your story proudly, passionately and with sincerity.
It is impossible to turn your entrepreneurial dreams into reality all by yourself. Find the right partners or trust the experts to help you get the business basics in place right from the start.
Don’t let the details get in the way of your success. If there’s an opportunity, seize it! Your determination and actions will set the pace for the plan to evolve.
Your passion and skill is what drives your business. But the ultimate key to achievement is patience and know-how to take your small business to a sustainable and successful level into the future.
Curb excessive sick leave to prevent abuse of the system
Abuse of sick leave benefits among staff often present huge challenges for employers. Address this issue to prevent the exploitation of the system and increase the productivity of your workforce.
Expanding your business across the border? First, find the right legal partner on the other side to help you understand and consider all the legal parameters, practicalities and infrastructure required to support your business.
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