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In a world filled with risk and resulting in adversity, our purpose is enabling progress securing tomorrow

SHA Risk Specialists, a division of Santam is the largest provider of liability insurance on the African continent and internationally. With over 35 years’ experience at providing innovative and fit-for-purpose, comprehensive insurance solutions, creating value for brokers and policyholders.

Why choose SHA

A truly African risk specialist

SHA has an extensive history of providing insurance products to clients in the surrounding SADC territories. Through our partnership with Sanlam Pan Africa (SPA), we have expanded our African footprint to 29 countries.

Tailor-made solutions

We have extensive underwriting experience in the liability, professional indemnity, financial lines, personal accident and motor fleet insurance markets. We use our expertise to tailor-make specific solutions to deliver leading specialist risk insurance policies and claims management services.

World-class claims experience

We have a team of highly skilled and experienced specialist claims technicians and managers. This in-house capability, together with the support and leverage we have with leading external legal practitioners, enables us to guide and assist our clients through even the most traumatic litigation.

More about SHA risk specialist

We have over 11 000 policyholders and are proud to underwrite the majority of the top 100 companies listed on the Johannesburg Stock Exchange, as well as a broad spectrum of medium to smaller enterprises.


Our range of Specialist products

Accident and health

Group Personal Accident programs for any size business as well as individual cover for sports professionals and school children. The A&H team is also skilled in providing critical Kidnap and Ransom coverage and Prize Indemnity policies.

Digital distribution

A range of specialist insurance products tailored for small to medium sized commercial entities and professionals who want all their specialist covers in one policy document, at the press of a button.


Broadform liability insurance provides protection for a business for legal liability to pay damages arising out of injury or damage caused to third parties or their property during the performance of the business.


A broad range of professional indemnity policies that have been tailored for key professions. Core PI cover is complemented by extensions of cover that seek to cover the real risks faced by the modern professional.

Financial lines

Crime and civil liability insurance programs for financial institutions, directors and officers liability across most industry sectors, cyber crime for medium to large businesses and commercial crime cover.

Motor fleet

Insurance cover for larger commercial and corporate clients with fleets of commercial vehicles including buses. Specialist stand alone covers are available for passenger liability (blended with personal accident ) and spillage/clean-up for road cargo.

Africa, single project and construction

A variety of both annually renewable and long term project PI and liability insurance for contractors, engineers, surveyors, consultants and other related professions employed by construction and engineering firms on construction projects.

Tailor your liability insurance solution

We offer a wide range of in-depth cover solutions. Talk to our knowledgeable intermediaries to tailor cover that protects your business, giving you the freedom to grow.

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