- Why choose us
- Our products
- Industry-specific products
- Value added services
- Get in touch
Trust us with your business
We can meet your changing needs
Whether you require comprehensive commercial business coverage or specialised risk products, our solutions are designed to adapt with your business.
We support specialist industries
Insurance isn't typically a one-size-fits-all solution. We've developed a variety of specialised risk products tailored for niche industries, with distinct and specific requirements.
We offer expert support
Drawing from our 106 years of insurance expertise, we offer industry-specific coverage that’s tailored to your business's current needs.
Motor insurance
We provide comprehensive coverage for all your vehicles against everyday travel risks, no matter the size of your business. Choose from eight different coverage options that are tailored to meet your needs and budget.
Property insurance
Whether you own or rent, your business premises are the heart of your operations. Our coverage solutions offers comprehensive protection against damage to your physical assets as well as losses due to business interruptions.
Liability insurance
Safeguard the business that you've worked hard to build, from a wide range of liabilities. Our specialised liability coverage options protect your business against legal liabilities for property damage or bodily injuries to third parties resulting from your business activities.
Small business insurance
Santam SmartSME is designed to meet your small business needs, offering simplicity, affordability, and additional benefits to support your business. It’s ideally suited to small businesses with buildings and contents valued at less than R5 million, and with up to 5 vehicles.
Tailored to your business niche
- Tailored insurance
Guesthouse
Standard business solutions and industry-specific cover for guesthouses, B&Bs, timeshare and more.
Tourism & leisure
Cover for B&Bs, hotels, game farms, golf estates, restaurants and restaurant franchises, and more. So, you can continue to welcome global travellers to your premises.
Real estate
Sectional title, homeowners’ associations, retirement villages – we meet the needs of the collective property schemes industry with comprehensive, industry-specific solutions.
Educational institutions
Protection against risk for buildings, equipment, sports facilities and more.
Religious institutions
Insuring religious institutions requires an in-depth knowledge of the specific risks these organisations face. Our expertise, which spans over 106 years, guarantees peace of mind that all eventualities have been anticipated.
Small business insurance
Running a small business in South Africa comes with unique challenges and opportunities.
More than just insurance
- Services
24-hour roadside assist
Roadside assist is an optional value-added service available at an affordable cost per month per vehicle.
24-hour emergency medical assist
Medical emergency assistance is free with your policy. Services include emergency services and medical evacuation, selected trauma-related support, and a personal health advisor.
Business assist
Access a range of services designed to simplify the essential aspects of managing a business. Business assist is available at an affordable cost per month.
Legal advice
Get free legal advice with your policy that provides legal support from admitted attorneys.
Speak to an expert
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