Santam Business
4.6
Why it winsHighest editor score (4.6/5) across cover, value and service.
Business Insurance
Best business insurance for South African SMEs
Compare SME business insurance from Santam, OUTsurance Business, Old Mutual Insure and King Price Business — liability, assets, business interruption and fleet cover.
Written by
MoneyWise Editorial Team
SA Personal Finance Desk
Fact-checked
Faatimah Hendricks, CFP®
Independent reviewer
Last updated
3 August 2026
4 business insurance providers
DisclosureSome providers below are paid partners. Rankings reflect editor scoring — see how we review.
What matters most
What to look for in a business insurance provider
- 1Editor score across price, cover and customer service.
- 2Independent customer-satisfaction data (SAcsi, Ombudsman).
- 3Transparent fees and no lock-in clauses.
- 4Match to your situation — best-for tags reflect real use cases.
Editor's awards
Best business insurance for…
Our analysts ranked every option on price, cover, claims experience and rewards. These won their categories.
King Price Business
4.0
Why it winsLowest indicative monthly cost — From R690 pm.
OUTsurance Business
4.4
Why it winsTrusted SA name with strong claims handling and bundling focus.
- Editor's pick
Santam Business
Business interruption cover
4.6Established SMEsFrom R1 250 pm OUTsurance Business
Assets, liability and fleet in one
4.4BundlingFrom R980 pmOld Mutual Insure Business
Broad public and product liability
4.2Liability coverFrom R1 100 pmKing Price Business
Decreasing premium on assets
4.0StartupsFrom R690 pm
Ready to compare business insurance?
Spec sheet
Side-by-side comparison
Compare the exact business insurance features that matter — prices, cover, rewards and more — column by column.
| Business Insurance providers | S Santam Business 4.6 Editor | O OUTsurance Business 4.4 | O Old Mutual Insure Business 4.2 | K King Price Business 4.0 |
|---|---|---|---|---|
| Best for | Established SMEs | Bundling | Liability cover | Startups |
| Starting price | R533 | R396 | R440 | R549 |
| App rating | 4.7 | 3.6 | 4.2 | 4.5 |
| Rewards programme | Included | Included | No | Included |
| Support hours | 24/7 phone & chat | 24/7 phone & chat | 24/7 chat, weekday phone | 24/7 chat, weekday phone |
| Apply |
S
Santam Business
Established SMEs
4.6
- Starting price
- R533
- App rating
- 4.7
- Rewards programme
- Included
- Support hours
- 24/7 phone & chat
O
OUTsurance Business
Bundling
4.4
- Starting price
- R396
- App rating
- 3.6
- Rewards programme
- Included
- Support hours
- 24/7 phone & chat
O
Old Mutual Insure Business
Liability cover
4.2
- Starting price
- R440
- App rating
- 4.2
- Rewards programme
- No
- Support hours
- 24/7 chat, weekday phone
K
King Price Business
Startups
4.0
- Starting price
- R549
- App rating
- 4.5
- Rewards programme
- Included
- Support hours
- 24/7 chat, weekday phone
Spec values are indicative and standardised for comparison. Confirm details with each provider before applying. See our methodology.
Information is indicative. Always confirm directly with the provider and read the policy schedule before purchase. MoneyWise may earn a commission when you click through.
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