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Insurance for guesthouses

Whether you’re a guesthouse or B&B owner, we have designed cover tailored to suit your insurance needs.

  • There are 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) our guesthouse solution provides cover for:
  • Property damage
  • Business interruption
  • Vehicles Liability
  • Umbrella liability (top-up liability)
  • Other sections

Note: This solution is not only limited to the above sections, additional cover can be provided if required. You are able to insure your personal and business risks under a single policy

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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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Welcome to our blog

Santam shares the latest news and fresh perspectives on issues affecting the insurance needs of our commercial and professional clients.

 Advice on running a successful business

Advice on running a successful business

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Holiday season risks for retail businesses

Holiday season risks for retail businesses

Learn more
Keep your retail premises safe this festive season

Keep your retail premises safe this festive season

Learn more
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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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Get great deals through our partners

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.

In the news

Advice on running a successful business

20 December 2016

Running a small business in South Africa remains an exciting adventure. A 2016 study* found that small business is actually big business for our country: it is estimated that start-ups contribute between 52% and 61% to the GDP.

Holiday season risks for retail businesses

26 November 2016

Is your retail business ready for the silly season? We’ve put together a guide on some of the risks shop and restaurant owners should brace themselves for over the festive season. Work through it, make the necessary preparations and speak to your broker if you have any concerns about your insurance cover.

Read more