The Hospitality Product provides cover for physical loss or damage to the contents or buildings (including outbuildings) of your bed and breakfast or guest lodge. Insurance protection provided includes cover against Fire, lightning, storm, wind, explosion, earthquake, hail and snow.

Some salient benefits automatically included under the Buildings section are:

  • Damage to landscaped gardens and water features - R10 000
  • Damage to buildings during an attempted theft  - R5 000
  • Locks, keys and access cards - R5 000
  • Malicious damage  - R10 000
  • Accidental damage including glass, mirrors and sanitaryware  - R10 000
  • Property owners liability - R1 000 000
  • Falling trees up to sum insured
  • Bursting, leakage or overflowing of water or oil from tanks up to sum insured

Some salient benefits automatically included under the Contents section are:

  • Full theft cover on main building
  • Theft cover on contents in garages and outbuildings
  • Theft of laundry, garden and pool furniture from premises
  • Personal effects of the owner/manager up to R5 000 per person
  • Guests personal effects up to R5 000 item
  • Beverage leakage  - R5000
  • Loss of money - R5000
  • Theft of groceries and household goods whilst in transit  - R5000
  • Deterioration of foodstuff up to R5 000
  • Accidental damage  - R10 000
  • Malicious damage  - R10 000
  • Fixtures and fittings – R50 000

Business Interruption cover is available for loss of gross profit following damage under the Buildings and/or Contents section above.

Cover automatically included are:

  • Loss of income as a result of murder, suicide, contagious disease, shark animal attack, pollution, auxiliary power and air travel delays
  • Cancellation of bookings up to R5000
  • Bilking up to R5000
  • Suppliers outside South Africa – R50 000
  • Suppliers in South Africa  - R50 000
  • Customers outside South Africa – R50 000
  • Customers in South Africa – R50 000
  • Public Utilities – R50 000
  • Trauma counselling for you, your staff or guests due to an incident that happened on the premises – R1 000 per person
  • Loss of income as a result of staff stay away up to R5000
  • Claims preparation costs – R50 000

Office contents insurance is available to cover your office furniture and documents you keep inside your office at the Bed and Breakfast or Guest house.

Cover automatically included are:

  • Personal property belonging to you or your employee up to R10 000 per claim
  • Locks and keys – R2 500
  • Theft up to 25% of sum insured
  • Rent up to 25% of sum insured
  • Claims preparation costs – R50 000

Money cover is provided for cash, cheques and safes you keep on your business premises.

Cover automatically included are:

  • Receptacles and/or strongrooms  up to R3 000
  • Locks and keys up to R5 000
  • Damage to clothing of staff held up in an armed robber up to R5 000

Public Liability insurance covers your business against claims where you are held legally responsible by a third party for death, injuries, or damage to property.

  • Cover automatically included are:
  • Damage to guest’s vehicles
  • Damage caused by dry cleaning up to R10 000
  • Food and drink poisoning
  • Products liability cover for any goods or products supplied where you are held legally liable for death, injury and damage to their property
  • Hole-in-one benefit for you – R1000

To purchase or find out more, call the Basket of Benefits on 0861 444 443