Stay safe online. Now more than ever it’s important to be cybersafe. See Santam’s tips to help you stay safe online. Learn more.
Santam’s Single Project PI and Liability solution offers long-term, non-cancellable cover for construction professionals. It protects against legal liability for errors or omissions by contractors, engineers, surveyors, consultants, and other project service providers – ensuring peace of mind from project inception through to completion.
Expertise
Our underwriters and claims specialists draw on extensive, hands-on experience to manage the complex risks inherent in construction and engineering projects, providing protection you can trust from groundbreaking to handover.
Longevity
For more than 40 years, we’ve guided clients through complex, long-tail claims, providing steady support and peace of mind from start to finish.
Strength
With over a century of financial strength and claims-paying track record, Santam, Southern Africa’s largest short-term insurer, gives you the confidence and security you need when it matters most.
These project indemnity insurance programmes are meticulously tailored to the unique requirements of each project. Typical cover options include:
Professional Indemnity (PI)
PI cover for all professionals involved in a specific project, spanning the entire contract period – from pre-feasibility to completion – for up to 72 months.
Prior to handover
Cover includes first-party rectification and mitigation costs incurred before handover, for losses resulting from errors and omissions while delivering professional services.
Legal Liability
Covers legal liability for third-party injury or property damage arising from construction activities. Optional extensions include Employers’ Liability and Motor Excess of Loss coverage.
Get expert guidance on protecting your business with customised Casualty insurance solutions. Request a call back, and our team will assist you in selecting the right coverage options.
Claims
Tel: 011 731 3638
Koketso Shabalala
Underwriting Head: Construction and Africa
E-mail: koketso.shabalala@santam.co.za
Tel: +27 78 654 7095
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. Additionally, please provide:
How many deductibles do clients have to pay?
Deductibles apply per occurrence and may be reduced if the insured has deductible infill cover under an annual Single Project PI policy.
What happens to the policy if someone else goes insolvent?
The policy remains in force, with the first-named insured retaining the right to appoint a replacement to complete the project.
What if liability between the parties is contractually limited (e.g. twice the fees)?
The Single Project PI policy includes a No Contractual Limitation of Liability clause, meaning any contractual caps are ignored and the policy will respond up to its full indemnity limit.
What if the policy’s limit of indemnity is eroded by other claims?
The consultant must declare the project under their Annual PI policy. If the Single Project policy limit is used up, the Annual policy can provide additional coverage.
What happens if multiple professionals are sued for the same error?
Each professional is assessed seperately, and only those responsible for an error or omission will be held liable.
Will the insurer share sensitive project information with other parties?
Confidentiality is a top priority. A dedicated legal and project team will be appointed to work independently, ensuring client information remains fully protected.
Who does the broker represent in a Single Project PI policy?
Brokers usually act for the employer or project owner who arranges the policy to cover all professionals. However, consultants and their brokers are encouraged to engage directly with Santam to ensure full alignment.
What if I’m held liable but didn’t make a mistake?
The policy covers legal defence costs, providing funding to defend against allegations of negligence, even if the claim turns out to be unfounded.
What if a professional refuses to claim on the policy?
In these cases, the project owner must take legal action against the professional. The policy only responds if the professional is named in the claim.
What if one insured party breaches the policy conditions?
If one insured party breaches the policy, only that party will lose coverage. Other insured parties under the policy will still be fully protected.
Our website uses Cookies
We use functional cookies to save your quotes, and analytics and marketing cookies to help personalize content for a better experience. By clicking “accept”, you agree to the terms of our Cookies Policy.