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Insurance for specialist risks


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Specialist solutions for a complex world

Our ability to respond to evolving risk in the marketplace demands that we think beyond products and focus on offering practical and sustainable solutions. We're committed to providing our clients with industry-leading, innovative and bespoke risk insurance solutions across various industries.

Why choose Santam Specialist Risk insurance

Tailor made solutions

Whether you’re in the market for insurance for corporate property, engineering and construction risks or simply seeking specialist liability cover we provide tailor-made solutions backed by our unmatched technical experience and a thorough understanding of today's business risks.

Unmatched expertise

The core strength of Santam specialist business lies in our underwriting managers and divisions, who are leaders and experts in their respective industries with a focus on entrepreneurial thinking and big ideas. They stay abreast of current market conditions and trends, identifying any opportunities or threats for your business and offering the best advice and risk solutions for the most challenging risk exposures.

The leading Pan-African Specialist insurer

In partnership with Sanlam Pan Africa, our African footprint is steadily expanding to over 26 countries and are proudly Africa’s leading specialist insurance solution provider. Specialist Business takes the lead in managing the combined Sanlam Pan Africa specialist insurance business and is the technical and capacity provider for certain specialist lines such as property, engineering, marine, and liability, crop insurance across the continent.

Specialist offerings



Santam Aviation has established itself as South Africa’s leading aviation insurer. Our expertise and commitment ensure you can always count on us.


Business travel insurance

We offer extensive cover for business and leisure travellers in the event of any unforeseen incident, including medical expenses.


Cell captive

We offer a one-stop shop – with both a short-term and life cell captive license which provides the convenience of insurance solutions under one roof.


Commercial drone insurance

We offer protection against a wide range of risks to your commercial drone or fleet.


Corporate property

Emerald Risk Transfer is the leading provider of corporate property and associated engineering insurance products on the African continent.


Engineering and construction

We are able to provide construction and engineering insurance capacity throughout the continent of Africa.


Heavy haulage

Santam Heavy Haulage offers comprehensive insurance solutions for heavy commercial vehicles with a gross mass exceeding 3 500kg.



We offer tailor-made solutions and boast an array of technical and reinsurance support services.


Minibus taxis

VUM offers a wide range of cover in the public transport sector – including e-hailing, minibuses, metered taxis and shuttles.


Private client

Echelon offers tailored personal asset risk solutions to meet the needs of professionals, business owners and executives.


Santam structured insurance

We are an industry innovator in Specialist insurance structuring, offering partners and clients individually designed financial solutions.


Specialist liability

SHA Risk Specialists, a division of Santam, is the largest niche casualty insurance provider on the African continent.


VUM business lite

The VUM Business Lite is a reliable, simple to understand, and affordable insurance cover designed to protect small businesses.

Stay ahead of cyber threats

Cybercriminals no longer just target big businesses. Big, small, whichever industry you’re in, every business is a potential target for criminals. And they are getting more and more sophisticated every day. Insure your business against electronic threats such as data breaches and cyber-attack.

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