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What we do

An insurance group that meets all your needs

At Santam, we expertly answer the insurance needs of a wide range of markets. Whether mainstream or niche, we work to develop in-depth understanding of all sectors we operate in, so that we can provide innovative and insightful solutions that meet the specific needs of our clients and help them manage risk. We offer general insurance solutions to individuals, businesses big and small, the agricultural sector, and a variety of specialist sectors. We do this through business units within our portfolio.


Conventional insurance

Santam Client Solutions

Client solutions is the Santam-branded direct to client business that offers multi-product through a multi-channel distribution channel.


Santam Broker Solutions

Broker solutions business unit offers multi-product and multi-channel distribution portfolio that covers various classes of general insurance.


Santam Partnership Solutions

Partnership solutions business is a new business unit focused on building partnerships across retailers, mobile network operators and banks. The aim is to develop low complexity product solutions by leveraging key data from ecosystems and partnerships. ART: Centriq and SSI- Alternative Risk Transfer insurance uses techniques other than traditional insurance and reinsurance to provide risk-bearing entities with coverage or protection. Tailored insurance solutions allow clients access to multi-peril cover and aim to reduce the cost of risk to clients over the medium to long term. ART business is written through the insurance licences of Santam Structured Insurance (SSI) and Centriq.


Santam Specialist

Santam Specialist insures large and complex risks in niche market segments. Products are client-driven and supported by specialist underwriting and claims assessment. Underwriting these classes of insurance requires skilled resources to assess and quantify the risk and exposure, and utilising technical claims processes as provided by the unit’s underwriting managers and niche businesses.

Santam Re

Santam Re is a wholesale reinsurance service provider for the Santam group general insurance businesses and independent general insurers in Africa, India, the Middle East, Eastern Europe, China, South Korea, and Southeast Asia. Santam Re operates under the Santam general insurance licence, enabling it to optimise the size, quality and diversity of the overall risk pool relative to capital resources and risk appetite. Santam Re leverages the reputational backing of an AA-rated paper provided by New Re, a wholly owned subsidiary of the Munich Re group.


MiWay is a direct general insurer that underwrites predominantly personal lines general insurance business through direct selling. This is supported by a smaller intermediated personal lines business. MiWay also underwrites commercial lines insurance. MiWay Blink is a fully digital car insurance offering.

Sanlam Emerging Markets (SEM) partner businesses

Santam’s investments through SEM in India and Malaysia.


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