The hospitality sector encompasses an array of businesses, from late night bars to boutique hotels and seaside B&Bs, each with bespoke requirements and the need for quality advice.

Misha

Proactive Risk Management. Call Misha.


Hospitality businesses face a lot of pressure and are reliant on their reputation. We have a wealth of experience working with some of South Africa’s best-known brands which means we understand your needs and can provide a range of insurances to help relieve the pressures your business faces.

We offer risk management solutions by assisting you in identifying problems, minimising potential impact, maximising the opportunity to improve the risk and offering optimal insurance solutions best suited for your unique needs. Our comprehensive products are aimed at protecting your business’ most valuable assets.

Automatic extensions include accidental damage to your commercial buildings, liability and trustees’ liability.

Automatic extensions include accidental damage to your commercial buildings, liability and trustees’ liability. Working in the hospitality industry means making exceptions and being flexible to make your customers happy. We understand the demands your business places on you, and we’ve designed this policy especially for guesthouse or B&B owners.

Our policy options offer you a comprehensive product for your business venue and your own property with a number of extras that can be customised to suit you. Contact us to find out exactly what this cover includes.

Cover features and benefits

  • Buildings, Contents, Business Interruption and Stock insurances
  • Business Interruption Cover
  • Directors and Officers Insurance
  • Reputational Damage cover
  • Public and Employer’s Liability insurance with standard and higher limits available
  • Personal Accident & Assault benefits cover
  • Optional additional insurances such as; Reputational Damage, Directors & Officers, Cyber Risks and Financial Crime

You may also want to consider policies for other important contingencies, such as liquor liability, goods in transit cover, glass breakage, vehicle insurance (if you operate one for work) or building cover (if you own your premises).


As a restaurant or hospitality establishment, your focus should be on your business and your customers. Let us handle the rest.

Your business isn’t exactly predictable. By facilitating a wide range of guests and special events, you are vulnerable to a multitude of exposures – liquor liability, slips, falls and food contamination are just a few of the problems you may encounter.

We welcome the challenge of keeping your assets, your properties, your employees and your customers safe. With us, you’ll have access to the best products thanks to our established relationships with many top hospitality Insurers.

Liability Insurance

Owning a business in the hospitality industry means you need your own specialized liability insurance policy. Hospitality errors and omissions can help you pay to defend yourself against lawsuits brought on by guests as a result of an error or omission in taking, recording or fulfilling reservations, event planning and so on. In addition, the policy will generally pay for the claims awarded (up to limits) except when due to willful negligence.

The liability insurance needs of your organization will vary and may include:

  • Liquor Liability
  • General Liability (which includes cover for the loss/theft of guest property)
  • Workers Compensation
  • FAQs

    What you need to know ...
    These are just some of the most frequently asked questions we receive about our Hospitality cover.

    1What limit of Public Liability insurance should I have?
    Many policies will offer a standard limit of indemnity. However, you should consider whether this sum is adequate for your particular circumstances and we can help guide you in this regard.
    2How do I calculate my Sum Insured for Business Interruption?
    You need to make various considerations for factors, such as seasonality, trends, growth and how long your business would be affected following a serious event, such as a fire. We’ll work with you to calculate how much coverage you should arrange as it varies depending on your business’s activities.
    3Can I have more than one hospitality business on the same policy?
    Yes you can, although it will often be better to have two separate policies tailored to each type of business. This ensures you are covered for the right risks specific to that industry.

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