Emerald 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 divers range of general insurance products and services in Africa and internationally through their network of 2 700 intermediaries and direct channells.  They serve more than 1 million policy holders who range from individuals to commercial and specialist business owners and institutions.

Santam financial strength ratings:
Standard & Poors
BBB- (Negative)
National Scale Rating zaA
Global Credit Ratings
AAA (ZA) (Stable)
National Scale Rating AA- (ZA)
International Scale Claims Paying Ability BBB

Sanlam owns a 57% share of Santam Limited.

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.

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