Start an insurance quote for your hospitality business.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.