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Protecting your small business every step of the way

Running a small business in South Africa comes with unique challenges and opportunities. Small business insurance is your safety net, ensuring that your hard work is protected. We understand the importance of providing you with cover that meets your specific needs. Our insurance policies are designed to offer you the peace of mind that comes with knowing your business is safeguarded against risks such as property damage, liability claims, and unforeseen disruptions.

We go the extra mile for your business

At Santam, we understand this and know that your time is precious. You need to focus 100% of your time and energy on your livelihood. View our services.

24hr roadside assist

Our Roadside Assist is an optional value-added service available at an affordable cost per month per vehicle.

24hr emergency medical assist

Get free medical assistance with your policy.

Legal assist

Get free legal advice with your policy.

Santam business assist

Santam Business assist is available at an affordable cost per month and offers our business insurance clients access to a range of services designed to simplify the essential but often burdensome aspects of managing a business.

Need immediate assistance?

0860 505 911

Cover as specific as your needs

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Property damage

Protect your business premises from unforeseen events. Our property damage cover ensures that your physical assets are safeguarded against natural disasters, vandalism, and other potential hazards.

Heavy haulage

Santam Heavy Haulage is South Africa’s leading heavy commercial vehicle short-term insurer. Working closely with our specialist intermediaries, we assist fleet owners with risk management to proactively reduce incidents, helping you to decrease your insurance costs in line with your risk profile.

Car hire

Never get caught without a ride. For a little extra added to your premium, you can hire a car after a claimable accident or in the case of theft or a hijacking.

Accidental damage to tyres and rims

Unplanned costs, such as damaged tyres and rims, can put a dent in your budget. Luckily, we can cover you for that.

Guaranteed Value

Know exactly what you will be paid out if your vehicle is stolen or written off. This option guarantees an amount that will be paid out and is adjusted annually in line with inflation.


The accidental breaking of window glass can be expensive, inconvenient and leave you, your driver and your business vulnerable. We’ll cover the replacement of glass, with the option to pay for express delivery of replacement glass and overtime charges.

Start your business insurance quote online

Get an insurance quote for your business online in minutes by providing only a few details.

Help and FAQ's


Tel: 0860 444 444


Claims and Emergency Services

Tel: 0860 505 911

By insuring my house contents does it mean that the contents are also covered against fire?
Home contents cover against fire is automatically included as an insured risk under the home contents section of the Santam Personal Insurance lines policies.
Some of my electric appliances are faulty. How do I know if I can claim for it?
We recommend that you proceed with the registration of a formal claim either via the Santam app, Santam website or by calling 0860 505 911. You will then be advised if your policy provides cover for these household items.
Do you provide insurance cover for cellphones?
Santam provides cover for smartphones and similar high value lifestyle items under its All risks personal insurance solution. These items need to be specified and reflected in your policy based on their correct value. Should you be interested, please contact Santam Direct on 0860 444 444 for further information, or for a personalised quote based on your insurance needs and budget.

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