Santam only transacts through licensed insurance brokers. A completed proposal form (available in the Downloads section of this page), the most recent audited financial statements, and full claims history are required to begin the underwriting process.

While Santam has a broad risk appetite and aims to find solutions for most exposures, the following are currently outside our underwriting scope: 

• Retirement fund trustees and administrators.
• Medical aid and insurance administrators.
• Reinsurance brokers.
• Underwriting managers.

• Losses suffered by third parties due to the insured’s negligence or employee dishonesty.
• Internal fraud or theft committed by employees against the insured.
• Negligent investment advice or execution.
• Fiduciary breaches (not acting in the best interests of clients).