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Santam Structured insurance to manage risk in a challenging environment

Structured Insurance is an industry innovator in specialist insurance structuring, offering partners and clients individually designed financial solutions. Our experienced team is uniquely positioned to assist clients in the rapidly changing insurance regulatory environment, delivering tailored structured solutions for those who need more efficient risk protection.

Why choose Santam Structured insurance

An extensive portfolio of on and offshore licence

We use a portfolio of on and offshore insurance licences and highly specialised skill sets to create tailored financial solutions to optimise capital structures and enhance profitabilty.

Respected experts working for you

Our specialists work closely together to combine insurance, underwriting and financial knowledge to harness synergies under five key business pillars.

Tailor-made solutions

Whether you’re in the market for insurance for corporate property, engineering and construction risks or simply seeking specialist liability cover or court bonds, we provide tailor-made solutions backed by our unmatched technical experience and a thorough understanding of today's business risks.

Our range of insurance solutions

Our team of specialists works closely together to combine insurance, underwriting and financial knowledge to harness synergies and drive five business pillars.

Five pillars:


Strategic investments

Underwriting solutions

Risk finance

Supply chain finance


We use a portfolio of on and offshore insurance licences and technical specialist skills to create tailored financial solutions. The bespoke structured product offering enables clients to use their capital as efficiently as possible and enhance profitability.


Underwriting solutions

We provide our clients with the expertise to create new revenue streams and increase brand value by offering insurance products to an existing consumer base without the need to acquire an insurance licence. Companies who are routinely involved in the development of insurance products but do not wish to apply for an insurance licence would also benefit from the offering.

Strategic investments

We explore opportunities to acquire selective equity stakes in other organisations interested in partnering with us to have the opportunity to raise capital and share in the collective expertise of our team with the objective of creating synergies in order to achieve shared business goals.

Supply chain finance

We provide solutions that allow businesses to benefit from better payment terms to suppliers while providing suppliers with the option to get paid early. Solutions operate independently from banks and aim to unlock value in the supply chain for clients. This ensures an optimised balance sheet and enhances clients’ returns. The combined expertise of the supply chain finance and credit insurance pillars enable the team to achieve powerful synergies within the trade finance market.

Risk finance

We design alternative risk transfer solutions for businesses looking to benefit from their own good risk management practices and increased risk retention as well as reducing their reliance on conventional insurance cover. Tailored solutions allow clients access to multi-peril cover and aim to reduce the cost of risk to clients over the medium to long term.

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