Protecting the South African spirit of hospitality

Our expertise positions us to effectively cover hotels, lodges, golf and sporting clubs, restaurants, conference and wedding venues and timeshare resorts. This enables you to continue welcoming guests to relax and enjoy your facilities, safe in the knowledge that we have you covered with insurance solutions designed to address the specific hospitality needs of your business.

Is this you? Then you’ll want to talk to us

This exciting, dynamic industry consists of a wide range of businesses – from game farms to health spas, golf clubs, and everything (tourism and leisure focused) in between. Santam tourism insurance is specifically designed to meet the unique needs of the following businesses.

Restaurants (including fast food establishments)

Timeshare facilities


Self-catering accommodation

Game lodges

Health spas

Conference facilities

Boutique and country hotels

Golf courses and driving ranges

Bowling Clubs

Insurance for business as specific as your needs

Every business has unique risks and needs. We’ll help you tailor an insurance solution that is right for your business.


Protect your business against the unpredictable devastation of fire. You can insure your business against damage to property such as buildings, equipment, stock and outdoor facilities.


Whether money is kept on your premises or you need to transport it to the bank, we have the cover for you. 

Buildings Combined

Your buildings are your biggest asset and liability. We offer extensive cover to protect your properties against damage from fire, lightning, storm, wind, water, hail and snow, theft of internal fixtures and fittings, and more.


We’ll keep you on the road with vehicle cover that extends to cars, bakkies, buses, trucks, trailers, caravans, motorcycles and custom-modified vehicles. Additional cover such as emergency accommodation, medical expenses and more is included at no additional cost.

Public liability

As a business owner or manager, you know many risks could impact your day-to-day operations. Our liability insurance provides cover if you or an employee causes damage to someone else’s property or causes injury to or the death of a person, among other risks.

Business interruption

If you’re not doing business, you’re not earning. If your business experiences prolonged interruption, unexpected expenses, or reduced income due to armed robbery, cancellation, suspension of liquor license and other risks, you’re covered.

Umbrella liability

Want the reassurance of knowing that your business is fully protected against every eventuality? Get additional top-up cover on your standard liability insurance.


Unique situations call for tailor-made cover. Beyond the standard insurance, we also offer a wide range of additional cover options to protect against the many risks that hospitality businesses face. Talk to one of our knowledgeable, experienced intermediaries, they’ll guide you through the best cover options for your business.

Value-added Services

Lexcorp (Pty) Ltd

Get the advice and information you need at a moment’s notice. Our business partner, LEX Assist, offers a broad-based legal support service within territorial limits, including 24/7 telephonic legal advice, document services and direct legal consultation.

Europ Assistance

In times of crisis, we’re here for you. Cover ensures access to Santam’s business partner, Europ Assistance, which offers free medical advice, emergency medical transport and a crisis line.

Customise your cover

Our intermediaries are knowledgeable, skilled experts and can guide you through our many cover options to ensure you get the right cover for your specific needs.

Help and FAQ's

Claims and emergencies

Tel: 0860 505 911

Tel: 011 853 6681

Can Santam insure greens at golf /bowling clubs?
We can insure for fire & perils and accidental damage.
Is loss of profits or loss of revenue cover available under product?
Basic covers and extensions are available under our business interruption section.
Can I purchase cancellation of bookings and bilking cover?
Cover is available dependent on sections selected.
Can guests or visitors effects be covered for loss or damage whilst on premises ?
Cover is available under various sections, contact Intermediary for full details.

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Get a quote

To get business insurance, provide a few details and let us call you.