A niche commercial insurer delivering total insurance solutions to the small and medium business market — backed by an AA‑(ZA) credit rating and two decades of expertise.
Who We Are
Western National Insurance Company Limited is a licensed short-term non-life insurer offering products and services exclusively through the intermediated market. We exist to serve one sector — commercial and business — and we do it exceptionally well.
Our StoryUnlike generalist insurers, Western National focuses exclusively on the commercial and SME market — giving us unmatched understanding of the risks your business faces.
We work entirely through professional intermediaries, ensuring every policy is placed with the right coverage by an expert who knows your business.
Our AA‑(ZA) national scale financial strength rating from Global Credit Ratings (GCR) gives you confidence your claims will be paid.
What We Offer
Industry-accepted core cover tailored to unique business needs and specific risk profiles across all commercial sectors.
Learn More →Comprehensive agricultural insurance for farming and farming-related risks — protecting the investments of those who feed our nation.
Learn More →Niche engineering insurance for a specific market segment with unique requirements — from plant and equipment to contractor risks.
Learn More →Purpose-built protection for property investments in sectional title schemes — because protecting your investment is paramount.
Learn More →Cover for medical expense shortfalls and co-payment costs for South African medical scheme members — filling the gap between billed and paid.
Learn More →Kaelo WesternGap provides financial cover for in-hospital medical shortfalls, enabling access to the best medical care for you and your family.
Learn More →A niche underwriting manager focused on high net-worth personal lines — bespoke cover for those with exceptional insurance needs.
Learn More →Western National Assist provides complete peace of mind in the event of a roadside incident — so you're never left stranded.
Learn More →Why Western National
We don't spread ourselves thin across every insurance category. Our singular focus on the commercial and SME market means our products, processes, and people are laser-focused on what your business needs.
Global Credit Ratings (GCR) has upgraded our national scale financial strength rating to AA‑(ZA) with a Stable outlook — one of the strongest ratings in our market segment. Your claims are backed by real financial muscle.
We believe in the power of professional intermediaries. By working exclusively through brokers and advisors, we ensure every client receives expert advice tailored to their specific business risk profile.
Find Us
Montana Office Park
Unit 001, Block A
335 Calliandra Street
Pretoria, 0151
☎ 012 523 0900
Mon – Fri | 08:00 – 16:00
The Edge, 5th Floor
3 Howick Close
Tygerfalls Office & Residential Park
Bellville, 5881
☎ +27 21 914 0290
Mon – Fri | 08:00 – 16:00
Western Square
Ballot Street
Windhoek, Namibia
Postal Code 31366
☎ Contact Head Office
Mon – Fri | 08:00 – 16:00
Speak to your broker about Western National products, or contact us directly to find an intermediary in your area.