SHA Risk Specialists, a division of Santam Ltd, specializes in niche insurance products, including liability, professional indemnity, directors and officers, cyber, financial lines, motor, and personal accident insurance[1][3]. They target businesses of all sizes across various industries, particularly those listed on the JSE[1]. Their unique selling proposition is their ability to tailor-make insurance solutions with a team of specialists, many of whom are qualified legal professionals, offering prompt and efficient claims handling[1][3]. This expertise positions them as the largest specialist liability insurer in southern Africa[1][4].