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Hospitality insurance – cover that keeps you serving

Nothing should stop you from maintaining the unique experience you offer your guests. It’s why we have a bespoke menu of insurance solutions that extend beyond our standard business insurance offering.

Our hospitality insurance covers:

  • Restaurants and function venues.
  • Hotels, motels, B&Bs, inns, holiday resorts, guest houses, self-catering accommodation, holiday homes, campgrounds, caravan parks and backpackers.
  • Game lodges and nature reserves.

You can find out more about each cover type below. But, remember, we’re ready to help you create the perfect combination to suit your exact hospitality needs.

Bilking insurance

Occasionally, a guest may leave without paying their bill. With bilking insurance…

Occasionally, a guest may leave without paying their bill. With bilking insurance, you can nominate an amount that will cover you in such instances.

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Buildings insurance

If your business owns the premises from which it operates, you’ll need to make…

If your business owns the premises from which it operates, you’ll need to make sure you cover the physical structure, as well as the fixtures and fittings.

As standard, we provide cover against:

  • Fire, water, explosion and impact damage.
  • Weather damage from lightning, storm, wind, hail and snow.

Get optional cover against:

  • Damage due to theft.
  • Accidental damage.
  • Subsidence and landslip.
  • Malicious damage.
  • Power surges.
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Property of guests insurance

Guests may hold you responsible for theft or damage to their uninsured personal property…

Guests may hold you responsible for theft or damage to their uninsured personal property at your premises. This can be covered as an option with our contents insurance.

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Stock insurance

We can provide cover for everything from the ingredients in your fridge to the items…

We can provide cover for everything from the ingredients in your fridge to the items you may sell to your guests.

As standard, we provide cover against:

  • Fire, water, explosion and impact damage.
  • Weather damage from lightning, storm, wind, hail and snow.

Get optional cover against:

  • Deterioration of stock in fridges and freezers.
  • Damage or loss to stock in transit.
  • Theft.
  • Malicious damage.
  • Accidental damage.
  • Subsidence and landslip.
  • Power surges.
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Business interruption insurance

The cost of damage to your business’s property is one thing. But what about…

The cost of damage to your business’s property is one thing. But what about the cost of not being able to actually do business as a result? With business interruption insurance, you'll be covered against loss of profit, as well as increase in cost of working. 

As standard, we provide cover against:

  • Financial loss/loss of profits when business is interrupted as a result of damage at your premises.
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Public liability insurance

If your business is legally responsible for incidents occurring on your premises…

If your business is legally responsible for incidents occurring on your premises or as a direct result of your business operations, you can be sure you’re covered.

As standard, we provide cover against:

  • Guest injury.
  • Food or drink poisoning.
  • Injury to guests during first-aid treatment in an emergency. 

Get optional cover against:

  • Defective products.
  • Spreading of veld/forest fires.
  • Trauma counselling for staff and guests following armed robbery.
  • Animals breaking out of perimeter fencing (and the recovery/relocation of these animals).
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Employer’s liability insurance

Businesses are nothing without the people who are involved. This covers damages…

Businesses are nothing without the people who are involved. This covers damages you are liable to pay arising from accidental death, injury or illness of any employee while employed by your business.

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Contents insurance

This typically insures items such as furniture, fridges and other non-electronic…

This typically insures items such as furniture, fridges and other non-electronic goods.

As standard, we provide cover against:

  • Fire, water, explosion and impact damage.
  • Weather damage from lightning, storm, wind, hail and snow.

Get optional cover against:

  • Theft.
  • Malicious damage.
  • Accidental damage.
  • Subsidence and landslip.
  • Power surges.
Read more
Bonus benefits

As part of our offering to the hospitality industry, we offer these at no extra charge. Bonus…

As part of our offering to the hospitality industry, we offer these at no extra charge.

Bonus benefits included with buildings insurance:

  • Cover for damage caused by the escape of liquor and other beverages (includes the cost of the actual liquor or beverages).
  • Cover for damage to gardens in the event of fire, water, explosion or impact.

Bonus benefits included with contents insurance:

  • Cover for employees’ personal items while on your premises.
  • Cover for the cost of replacing keys, locks and other access control devices following a burglary.
  • Cover for the medical and funeral costs if a permanent employee is injured or dies on your premises due to fire or crime.
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Electronics insurance

Whether your business makes use of televisions, projectors, payment systems, laptops…

Whether your business makes use of televisions, projectors, payment systems, laptops or other specialist electronics, we’ll make sure they are replaced if lost, stolen or damaged.

As standard, we provide cover against:

  • Theft.
  • Malicious damage. 
  • Accidental damage.
  • Fire, water and explosion damage.
  • Weather damage from lightning, storm.
  • Power surge damage.
Read more
Transport of guests and vehicle insurance

As one of SA’s specialist motor insurers, we offer you a variety of cover options…

As one of SA’s specialist motor insurers, we offer you a variety of cover options for all of your business’s vehicles. This includes when you are transporting guests, e.g. airport transfers.

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Tourist Attraction Loss insurance

This is an option available under our business interruption insurance offering and…

This is an option available under our business interruption insurance offering and includes interruptions unique to the hospitality industry.

You can get cover for the loss of business due to:

  • Food and drink poisoning on your premises.
  • Bomb scares and suicides on your premises.
  • Shark and other wild animal attacks within 50km of your premises.
  • Pollution of rivers or beaches within 50km of your premises.
  • Abnormal noise from construction activities within 500m.
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Employee dishonesty insurance

Sometimes, employees do the unexpected. With this type of insurance, you’re…

Sometimes, employees do the unexpected. With this type of insurance, you’re able to nominate an amount to compensate loss of items stolen by an employee, member, partner, director or principal.

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Why choose to insure your hospitality business with OUTsurance?

Tailored solutions

Specialist and specific motor insurance, matched to your unique business needs.

True value

A unique premium that is based on your business’ risk factors, so you’re not subsidising higher risk clients.

Low, flat excess

One fixed excess amount, even if you claim for multiple risks in one incident– no surprises that can threaten your cashflow.

OUTbonus (standard feature)

After three claim-free years, you get 10% of your total premiums paid back in cash to boost your bottom line. 

Emergency assistance

24/7 Help@OUT roadside assistance, giving you peace of mind, always.

Business OUTsurance Agents come to you

Depending on the complexity of your business, you may qualify for a dedicated Business OUTsurance Agent. Not only will this insurance professional help you navigate your unique needs to create your custom solution, they will become your on-going, single point of contact.

To connect with a Business OUTsurance Agent, you’ll need to start a quote.

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OUTsurance is a Proud Patron Member of RASA

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