Bonds & guarantees

Santam Bonds and Guarantees offers niche security products in the form of court bonds and construction guarantees to a diverse range of individuals, privately owned and large publicly quoted groups in South Africa and continental African markets.

Why insure with Santam Bonds and Guarantees?

  • Competitive market rates and tailor-made world-class guarantee and court bond facilities.
  • Constant innovation and sound knowledge of the local and global surety markets ensure that we maintain a leading edge.
  • Extensive intermediary networks and solid intermediary relationships remain a core strength.
  • Extensive client base includes BEE and emerging contractors.
  • Enjoy backing of reputable international reinsurers.


Our sound knowledge of local and global surety market, coupled with an ability to constantly adapt our offering in line with market requirements, has enabled us to offer competitive, tailored and world-class guarantee and court bond facilities to our extensive client network.

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The benefits of insuring with us

Santam is the insurer of choice for thousands of South Africans countrywide. We help you be safe and stay safe – everywhere you go. If you need four more reasons to choose Insurance good and proper.

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Our solutions extend to:

  • Guarantees, which include contract bonds that cover financial loss due to contractor default, performance and retention guarantees, advanced payment guarantees, bid bonds and maintenance guarantees. Also included under this section are trade bonds, which cover government departments or suppliers against enterprise debt payment failure, customs and excise guarantees, warehouse guarantees as well as utility guarantees.
  • Court and administration bonds, which include both liquidation bonds and deceased estates.

Contact details


T 011 912 8353/8123
F 011 912 8868

Court bonds

T 011 912 8351/8029
F 011 912 8868

In the news

From humble beginnings to owning a prominent insurance business: how mentorship helped an entrepreneur beat the odds

18 October 2018

Sbusiso Wanda’s entrepreneurial spirit has overcome extraordinary odds. Having grown up in KwaMashu Township near Durban, with little in the way of education or familial support, he started a butchery business at age 24 and lost it just a year later.

SA’s construction industry “digging out” in 2018

18 June 2018

Credit rating requirements and the evolving risk management environment are challenging factors in the construction industry. Russell Myers discusses.

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