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Insurance for guesthouses

If you are the owner of a guesthouse or B&B, we’ve designed cover to address the specific catering and hospitality needs of your business.

This cover is applicable where: the business operates a maximum of 20 rooms; the owner and/or manager lives on the insured premises (i.e. not necessarily in the same building but on the same property.

All the covers under our standard business solutions are included, as well as additional tailored cover, such as:

  • Property damage
  • Business interruption
  • Vehicles liability
  • Umbrella liability (top-up liability)
  • Access to Europ Assistance, which offers you free medical advice, emergency medical transport, legal advice and a crisis line
  • Automatic increase of the sum insured over long weekends, festivals and school holidays
  • Trauma counselling for you and guests
  • Compensation for your or your employees’ death

Please note: This solution is not only limited to the above sections, additional cover can be provided if required. Speak to your intermediary for more information. Santam. Insurance good and proper.

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The benefits of insuring your business with us

Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go. If you need five more reasons to choose Insurance good and proper.

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Cover options

Property


This section provides comprehensive cover for your buildings and their contents.

Business interruption


Damage to your business as described in the property damage section may result in reduced turnover or additional expenses, which may cause serious business interruption that you did not plan for.

Vehicles


This covers vehicles such as motor cars, bakkies, buses, trucks, trailers, caravans, motorcycles and special type vehicles.

Liability


Liability insurance provides you with cover if you or one of your employees damages someone else's property or causes the death/injury of someone during the course of business.

Umbrella liability


Liability insurance provides you with cover if you or one of your employees damages someone else's property or causes the death/injury of someone during the course of business.

Other


Santam's insurance solutions are flexible enough to incorporate all your insurance requirements, tailoring our services to your specific needs.

Calculator

Use these simple tools to check if your business is sufficiently protected. Having the right cover in place will ensure quick and hassle-free claims in times of need.

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Santam app

Manage your business and personal insurance inventory, send and receive instant SOS alerts and track the safety of loved ones with one easy swipe on your smartphone.

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Benefit from the range of Santam service providers that offer exclusive discounts on services that will improve the safety and security of you, your family and possessions.

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