Hendrik Nel

Part of Sanlam Ltd., Emerald Risk Transfer Pty Ltd. is a leading provider of corporate property and associated engineering insurance products in the African continent and Indian Ocean islands. Headquartered in South Africa, Emerald is regulated by the Financial Sector Conduct Authority (FSCA) and has a representative office in the UK. Established in 1999, Emerald offers solution-driven insurance products to corporate policyholders, including multinational companies, mining processes, leisure and tourism groups, infrastructure entities, and more. The South African company has a strong financial strength with consistent net underwriting margin and sustainable net loss ratio. Emerald is a wholly owned subsidiary of Santam Limited, which is an authorized financial services provider and controlling company for its group companies.

Part of Sanlam Ltd., Swanvest 120 Pty Ltd. operates an investment holding South African company with interests in the insurance business.

Part of Sanlam Ltd., Brolink (Pty) Ltd. is a South African company that offers IT and business process outsourcing services to the short term insurance industry. The company is based in GT. Brolink (Pty was acquired by Santam Ltd. on April 29, 2014.

Indwe Broker Holdings Ltd. provides risk and insurance products and services. The company is headquartered in Johannesburg, South Africa.

Mirabilis Engineering Underwriting Managers (Pty) Ltd. provides engineering insurance products. Its products include: Contractors' All Risks Insurance (CAR), Engineering Project Insurance Cover (EPIC), Advance Loss of Profits Insurance (ALOP), Contractors' Plant and Equipment Insurance (CPE), Machinery Breakdown Insurance (MB), Loss of Profits following Machinery Breakdown Insurance (MLOP), Deterioration of Stock Insurance (DOS), Electronic Equipment Insurance (EEI) and Civil Engineering Completed Risks (CECR) Insurance. The company was founded in 2006 and is headquartered in Cape Town, South Africa.

Guardian National Insurance Co. Ltd. provides short term insurance policies. The company is headquartered in Bellville, South Africa.

Part of Sanlam Ltd., MiWay Group Holdings (Pty) Ltd. is a South African company that provides financial services. The company is based in Midrand, South Africa.