Ownership

Johannesburg +27 (0) 11 658 8200

Dubai +971 4 401 9291

London +44 (0) 203 995 1361

Emerald Risk Transfer is a wholly owned subsidiary of Santam Limited. Santam is the leading general insurer in South Africa with a market share of more than 22%.  They provide a diverse range of general insurance products and services in Africa and internationally through their network of 2 700 intermediaries and direct channels.  They serve more than 1 million policy holders who range from individuals to commercial and specialist business owners and institutions.

Today, Sanlam is the largest Insurance Group in Africa with an extensive product offering catering for all market segments.  The Group has consistently grown its local as well as an international footprint.

Sanlam Emerging Markets (SEM) is responsible for Sanlam's financial business services (life assurance, general insurance, banking, credit, health, bancassurance and asset management) in emerging markets outside of South Africa.  Through its partnerships with the Shriram Group (India), MCIS Insurance Berhad, Pacific & Orient Insurance, and the SAHAM Group, SEM has a firm group presence in Inida, Malaysia, Philippines, Africa and the Middle East.  There is also a wide footprint in the UK/Ireland, USA, Switzerland and Australia.

Emerald’s A rated security
In addition to Santam’s Standard & Poors rating, Emerald is able to offer International Standard & Poors A rated security through a binding authority from Munich Reinsurance Company of Africa Limited to write inwards reinsurance business.


Santam Financial
Strength Ratings


Sanlam owns a 57% share of Santam Limited

Standard & Poors: BB+ (Stable)
National Scale Rating: zaAAA
Global Credit Ratings: AAA (ZA) (Stable)
National Scale Rating: AA- (ZA) (Stable)
International Scale Claims Paying Ability: BB+ (Stable)



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