Insurance for the tourism industry

Is your holiday resort, guesthouse or game farm a popular destination for tourists every year? If entertaining guests is your livelihood, Santam’s hospitality and leisure insurance solutions will provide complete peace of mind, knowing that this cover was designed to address the specific travel, catering and hospitality needs of your business.

Our hospitality and leisure insurance offers unique cover for the following businesses:

  • Guesthouses and Bed & Breakfast facilities operating more than 20 rooms
  • Caravan parks and resorts
  • Timeshare facilities
  • Lodges
  • Cottages
  • Self-catering accommodation
  • Game farms and game lodges
  • Health centres and Spas
  • Conference facilities
  • Boutique and country hotels
  • Golf courses and driving ranges

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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Welcome to our advice section

Santam shares the latest news and fresh perspectives on the insurance needs of small, large and medium businesses.

How to reduce business threats with proactive risk management

How to reduce business threats with proactive risk management

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Protective measures to keep businesses cyber safe

Protective measures to keep businesses cyber safe

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Time to spring clean your business' finances

Time to spring clean your business' finances

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Cover options

Buildings combined

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


Fire and related risks can have devastating effects on your assets and in turn your business.

Business interruption

Damage to your business as described in the building and fire sections may result in reduced turnover or additional expenses, which may cause serious business interruption that you did not plan for. You therefore need to ensure that you are covered for this.


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


Limited cover for money on your premises is already available under the building and fire sections, however, additional cover can be purchased according to your individual business needs.

Public liability

Public liability insurance covers you in the event that 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

Umbrella liability is an extension or top-up of your existing liability cover that is available to you.


This cover insures your business contents against loss or damage without any forcible/violent entry or exit limitation, except for areas containing liquor or cigarettes.

Other sections

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


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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In the news

Safeguarding Your Business This Holiday Season

18 November 2021

Year end is approaching, and as businesses get ready to close shop for the holidays it is imperative that owners do as much as they can to safeguard their operations while they are away. Here’s a checklist to minimise the risk of having insurance-related claims.

Mitigating the potential business risk of cybercrime

19 October 2021

The new Insurance Barometer Report by Santam, the country’s largest short-term insurer, has revealed how the pandemic and systemic risks have impacted the economy and insurance industry.

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