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As South Africa’s leading specialist liability insurer, we provide tailored solutions to protect businesses in the large commercial and corporate sectors. In a complex and high-risk environment, a comprehensive Broadform Liability policy safeguards your organisation against third-party injury or property damage arising from your operations.
Our experienced team delivers customised coverage with a wide range of standard covers and optional extensions, ensuring your business is fully protected and positioned for long-term success.
Expertise
Our underwriting and claims teams bring extensive expertise in managing complex liability exposures across diverse industries, providing support for everything from operational risks to sector-specific legal challenges.
Longevity
With over 40 years of handling complex, long-tail liability claims, we provide consistent, expert support throughout the claims journey.
Solutions
No two businesses are alike, and neither are their risks. Our comprehensive Broadform Liability solutions are carefully structured, adaptable, and designed to align with the unique operational needs of your organisation.
Custom-built cover with flexible options to match your business needs.
Limits up to R350 million
Worldwide jurisdiction
No contractual liability exclusion
Industry-specific solutions
Products Liability
Covers injury or damage caused by your products and workmanship, with optional extensions available such as products inefficacy, product recall and replacement rip and tear and exports to North America.
Public Liability
Covers legal liability for injury or damage arising out of your business activities with risks such as spread of fire, explosions, use of tool of trade and pollution (sudden, unintended and unexpected) automatically included. Standard optional extensions available include drone liability (up to R5 Million) Care, Custody and Control, Lateral Support, Goods on the Hook and North American Jurisdiction .
Optional Extensions
Enhance your cover with options like care, custody and control, loss of lateral support, goods on the hook, drone liability (up to R5 million), North American jurisdiction, and more.
Optional sections of cover
Employer’s liability, pure economic loss, statutory defence costs, wrongful arrest and defamation, warehouseman’s and carriers’ liability, and more.
Claim forms
Proposal forms
Get customised Casualty insurance solutions. Request a call back, and our team will assist you in selecting the right coverage options.
Miguel Malaj
Business Head: Liability, Construction and Single Projects
Koketso Shabalala
Underwriting Head: Construction and Africa
Thato Monaheng
Senior Underwriter: Liability and Construction
What information is required to get a quote?
Santam works exclusively through licensed insurance brokers. A completed proposal form – available by clicking the Downloads button on this page – is required, If you don’t have one yet, start with:
Where do liability claims come from?
Claims can arise from:
Does the insured only need Products Liability cover if they manufacture a product?
No. Under South Africa’s Consumer Protection Act (CPA), any party in the supply chain can be held legally liable for harm caused by a product. This includes distributors, wholesalers, suppliers, retailers, importers, and installers.
Santam’s Product Liability cover protects any business involved in designing, formulating, specifying, manufacturing, constructing, installing, selling, supplying, distributing, treating, servicing, altering, or repairing tangible goods.
Can cover extend to operations outside South Africa?
Yes. The policy can be extended to include operations elsewhere in Africa. However, compliance with local regulations is essential to avoid fines or claim complications, as many African countries restrict non-admitted insurance.
Does liability cover protect the insured’s own financial losses?
No. Liability insurance covers claims made by third parties and does not compensate the insured for their own financial losses.
Does my policy cover contracts I enter into?
Santam’s Broadform Liability policy covers both delictual (tort) liability and certain contractual liabilities. However, some exclusions apply – for example, fines or penalties that you have contractually agreed to may not be covered.
Should incidents be reported even if the insured isn’t liable?
Yes. Any incident related to your business operations should be reported. Our claims team will assess the situation and advise on the appropriate next steps, even if you believe your business isn’t at fault.
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