Santam has a world-class scientific underwriting capability supported by a strong and experienced management team. Our pool of specialist insurance skills and knowledge is evident in the success of the specialist business, which offers a complex range of insurance cover. Due to our integrated systems and processes, we are able to proactively deal with and benefit from regulatory changes, which can constitute high barriers of entry into the industry for new players.

Santam has a stringent capital management framework underpinned by an internally developed, risk-based model and embedded enterprise risk management framework, which is integrated into strategic decision-making and capital allocation.