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Business liability
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Allow your business to grow with the protection of liability cover

While the cost of replacing physical property can be relatively easy to determine, the same can’t be said for liability claims. As society becomes more aware of its rights, protecting your company against liability has become an essential part of running a business and ensuring its future. Santam’s Business liability cover can provide you with a wide range of solutions to protect your business from potential exposure to public liability losses. This specialist cover can be added to your existing business policy, allowing you to combine it into one comprehensive business insurance policy.

Trust Santam to keep you covered

We are South Africa’s largest insurer

Whether a small business or large corporation, we offer intelligent solutions and support that adapt to your changing needs. That’s why more than 80% of the top 100 JSE-listed companies trust us with their cover.

Tailor-made solutions

We have extensive underwriting experience in liability, niche professional indemnity based on occupation, group personal accident and employers liability insurance. Liability cover is available on our standard commercial offering and is also customised for agri, hospitality, guesthouse, education and religious organisations.

Innovation for success

We are always finding new ways to do insurance good and proper even better. We constantly develop new products and covers to assist brokers in providing niche insurance solutions for their clients, so that they can enjoy the widest possible cover at competitive terms.

Our liability insurance solutions

We offer a wide range of in-depth cover solutions. Talk to our knowledgeable intermediaries to tailor cover that protects your business, giving you the freedom to grow.

Broadform general liability

Products liability and defective workmanship liability

Niche professional indemnity for specific occupations

Employers liability

Group personal accident

Cyber insurance

Customise your cover

Let’s create your perfect solution together. Contact one of our expert intermediaries to customise your cover.

Find an intermediary

A word or two from the experts

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Business Insurance for SMEs in South Africa: Protecting Your Business

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How to reduce business threats with proactive risk management

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How to navigate complex risks in an ever-evolving landscape

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