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SASRIA: What is South African Special Risks Insurance Association?

Most Property Owners are of the mind-set that their business, property or home being torched to rubble during a violent protest or terrorist attack is far-fetched.

The reality is that violent protests are on the increase across South Africa and may cause costly damages to an Individual’s or Business’ Property.

Most small businesses don’t have SASRIA Insurance as they see it as an additional cost. When there are strikes, they could lose their entire properties and business if they don’t have SASRIA Insurance cover.

What is SASRIA?

SASRIA is a State-owned Company which was established with the sole intention of providing cover against special risks such as civil commotion, public disorder, riots, strikes and terrorism.

They are the only short-term Insurer who provides “special risk” cover to all Individuals and Businesses who own assets in South Africa.

SASRIA is attached as a “coupon policy” to your main policy as a standard feature with your conventional Insurer in respect of your buildings, vehicles and other assets.

Exclusions under SASRIA:


Consequential loss or damage, or loss or damage caused or contributed to by:

1. Looting and theft, unless caused by any of the covered events mentioned above

2. Property being dispossessed or confiscated by any lawfully established authority

3. The stopping or deliberate slowing down of work

4. Any act of terrorism involving the threat of or actual use of any nuclear weapon or device and/or the threat of or actual use or release of any chemical or biological agent.

SASRIA enables Businesses to recover quickly and efficiently after experiencing a loss or damage due to special risk related events.