Season 13 Episode 14

Leruo Malumo on SmartSME insurance for South African small businesses

09 September 2025 · 17 min

In this episode of Business Talk, host Michael Avery explores the future of smart insurance for South African entrepreneurs. Small businesses are the heartbeat of the economy, but many owners face challenges when it comes to protecting their operations against unexpected risks. To unpack this, we… speak with Leruo Malumo, Head of Product Strategy, Development and Governance at Santam, about their new SmartSME product – a next-generation insurance solution designed specifically for small businesses.

Leruo shares insights from extensive research into what business owners truly need: affordability, simplicity, personalized cover, responsive claims, and real multi-channel support. From asset and liability protection to employee benefits and value-added services like finance, marketing, IT, and HR assistance, SmartSME goes beyond traditional insurance. If you’re a business owner looking for comprehensive, accessible, and easy-to-use insurance tailored to your unique needs, this conversation will give you a clear picture of how to safeguard your business while focusing on growth. Show more