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Evolution Liability is designed specifically for SMEs and professionals seeking comprehensive protection in an increasingly complex risk landscape. This next-generation, multi-line policy goes beyond traditional Broadform Liability, offering smarter, more integrated cover, accessible through Santam’s digital platform, Pocket Underwriter.
It combines key specialist covers in one streamlined solution, including Public and Products Liability, Directors & Officers (D&O), Gradual Pollution, Property Worked Upon, and Recall & Guarantee. With modular flexibility and expert crisis support, Evolution Liability provides the protection your business needs to operate securely and grow with confidence.
Solutions
The Evolution Liability solution is specifically tailored to meet the unique needs of SMEs.
Expertise
Through Pocket Underwriter, brokers can access clear, expert-driven insights into coverage options and exposures, simplifying and making complex liability insurance more accessible to SMEs.
Simplicity
Get cover quickly and effortlessly through our intuitive digital portal – anytime, anywhere.
For businesses with: turnover less than R50 million; revenue up to R20mil; 100 employees or less; total assets less than R200 million; annual wage bill less than R10 million.
Digital Quoting
Quick quotes via Pocket Underwriter with built-in eligibility checks.
SME-Focused Cover
Perfect for small businesses seeking specialist liability cover, including Public, Product, and Cyber Liability - all bundled for simplicity.
Core cover includes
Public, product, pollution, fire spread, property worked on, and legal defence.
Specialist extensions
Professional Indemnity (PI), Directors and Officers (D&O), Product Recall, and Employment Practices Liability (EPL) cover.
Additional non-liability benefits
Includes coverage for death, disability, income protection, and emergency expenses.
Flexible and modular
Brokers can customise cover within Pocket Underwriter, selecting combinations that best match each client’s unique risk profile.
Claim forms
Proposal forms
Get expert guidance on safeguarding your business with tailored Casualty insurance solutions. Request a call back, and our team will assist you in selecting the right coverage options.
Macinee Mariah
Team Manager: Digital Distribution
E-mail: macinee.mariah@santam.co.za
Tel: +27 84 274 2099
What happens if my business is above the SME threshold?
If a business has an annual turnover above R50 million or requires cover limits beyond those offered under Evolution Liability, our Specialist Liability solution provides tailored protection for larger or more complex risk profiles.
Can I add D&O to my Evo Liability policy without taking the other covers?
Yes. The Pocket Underwriter system highlights any cover dependencies. For example, Directors and Officers (D&O) Liability can be chosen as a standalone cover without requiring additional covers.
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