Insurance for the tourism industry

If you’re a private restaurant or resort owner, we have designed cover that suits your business’ specific needs.

This solution was designed with the following types of business in mind:

  • Hotels and lodges
  • Guesthouses (with more than 20 rooms)
  • Self-catering accommodation
  • Privately-owned restaurants
  • Caravan parks and resorts
  • Timeshare resorts
  • Conference centres
  • Sports clubs (e.g. golf and bowling)
  • Golf courses
  • Health centres


English / Afrikaans

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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 the insurance needs of small, large and medium businesses.

8 ways to make your small business more distinctive

8 ways to make your small business more distinctive

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6 Reasons to celebrate being a local business

6 Reasons to celebrate being a local business

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Local businesses: turning customers into fans

Local businesses: turning customers into fans

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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

The A to Z of safety in business

21 October 2019

Building a business is one of the hardest – and most rewarding – things any entrepreneur can do, it would only be prudent to protect what you have built.

What those in the hospitality biz need to know as holidays approach

10 April 2019

April is here and all over South Africa, locals are planning on taking advantage of the lovely holiday weekends coming up. With the anticipated surge in bookings and visitors to your establishment, it is important to ensure that your property and staff follow best practices to be properly indemnified against potential liability claims.

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