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Evo Pro is a comprehensive insurance solution designed specifically for SMEs in professional services. It offers broad Professional Indemnity (PI) cover, along with a range of modular add-ons including Cyber Liability, Directors & Officers (D&O), and Personal Accident, all under one policy.
Brokers can easily customise cover to suit each client’s unique risk profile, ensuring streamlined, relevant protection. Available exclusively through Santam’s Pocket Underwriter platform, Evo Pro makes quoting, selecting, and binding cover quick and effortless.
Solutions
The Evolution product range is specifically tailored to meet the unique needs of SMEs.
Expertise
The Pocket Underwriter provides easy-to-understand coverage and exposure information on SME insurance products.
Simplicity
Our convenient online portal makes it easy to transact anytime.
For professional services firms with: Fee income < R10m, 100 employees or less, Assets < R200m, Wage bill < R20m.
Digital access
Brokers can quote quickly using Pocket Underwriter. The system checks all qualifying criteria to ensure accuracy.
Targeted at professionals
Designed for SMEs in fields like law, engineering, accounting, consulting, and more.
Core PI cover
Covers negligence, errors, dishonesty, document loss, subcontractor work, and fee recovery.
Specialist PI add-ons
Option to include trust fund misappropriation and fidelity cover (for attorneys/accountants).
Modular and tailored
Flexible structure allows brokers to create the right combination of cover for SME professionals – all on one platform.
Get expert guidance on protecting your business with tailored casualty insurance solutions. Request a call back, and our team will assist you with the right coverage options.
What happens if my business is above the SME threshold?
If the insured's business has a fee income above R10m per annum or requires more than the maximum limits and sub-limits available, our Specialist PI insurance will cover the client’s needs.
What happens to the SME renewal business already with Santam?
Since 1 June 2019, Santam’s existing Professional Indemnity clients that qualify for Evo Pro are automatically migrated onto the new policy wording as they come up for renewal.
Following migration, brokers manage and maintain their portfolios on the Pocket Underwriter system.
I'm worried about changing to a new wording, can I stay on the old policy form?
All existing SME PI policyholders will start moving automatically onto the new Evo Pro policy form as from 1 June 2019, as each policy comes up for renewal. Unfortunately, the old coverage is no longer available to SME professionals. The change was implemented to improve efficiency and consistency in the products and services we provide to all our clients.
We acknowledge that it is concerning for brokers when there is a changeover to a new wording, which is why we emphasise that if the insured has a claim that is not covered, or is adversely impacted by the new wording, which would have been covered by the expired wording, we will honour the claim.
Why change to Evo Pro?
The policy wording and structure are designed to give brokers more control over renewals and new business, while ensuring SME clients receive comprehensive cover at affordable prices.
Brokers can generate online quotes and policy documents themselves directly from the Pocket Underwriter system.
Is the Cyber cover in Evo Pro the same as standalone Cyber cover?
Evo Pro Cyber covers third-party liability, ideal for businesses with exposure to client data risks. If you need comprehensive cyber protection, including first-party cover, our Specialist Cyber team is here to help.
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