Hospitality and leisure

The Hospitality industry in South Africa is emerging with rising numbers of travellers visiting the country for business and leisure purposes.

South Africa was listed as one of the top tourist destinations on the African continent.  In January 2019 alone, the sale of food at restaurants, coffee shops and fast-food outlets contributed R4,7 billion to the economy and in 2017, 31 000 jobs were created within the tourism sector (more than mining and manufacturing). 

Following the global pandemic, the growth in foreign tourism dropped, however, is forecasted to continue to grow in future years with the SA Government investing billions in the Tourism and Hospitality sector.

H&L is a division of Santam that offers insurance solutions for businesses in the hospitality and leisure industry. Our products are developed by specialists who understand the industry and the risks involved.  We work through intermediary partners to distribute our products.

Our success is rooted in our passion for our clients and everything we do is centered on our delivery of Insurance Good and Proper. By providing comprehensive solutions and expert service, we strive to be the market leader in our industry.

The H&L product range 

We know the integral role hospitality and leisure plays in the South African economy and our products cater for small to large risks, covering many aspects of the hospitality sector.

Our target market includes:

  • Restaurants / Franchised restaurant outlets
  • Hotels / Boutique Hotels
  • Game Farms / Bush Lodges
  • Resorts:  Holiday / Timeshare
  • Health / Wellness Spas
  • Catering Operations
  • Golf Clubs / Bowling Clubs and the like (Greens cover)
  • Wine Estates
  • Theatres / Gymnasiums / Comedy Clubs, Amphitheatre & Museums
  • Function / Venue Hire
  • Conference / Convention centres
  • Hospitality and Leisure industry suppliers (function hire)
  • Recreational Sporting Clubs / Leisure Activities
  • Travel agents (excluding tour operators)
  • Guesthouses / Backpackers (larger commercial establishments - Boutique Hotels, Country Manors)
  • Self-Catering Holiday Rentals - Let out on a full-time basis to paying guests

Learn more

Proactive risk management


In tough economic times, maintenance of equipment and premises is usually the first this that gets cut off the budget and some losses suffered in the industry are largely due to poor maintenance.

Health and safety

Keep staff up to date on emergency procedures and what is expected from them in certain events as this can result in injuries or large losses when people do not know how to react in an emergency situation.


Sums insured

With the volatility of the Rand and the increase in the price of goods, building costs, etc. it is important to regularly update the sums insured to ensure that clients are properly covered.

Contact details

Tel: 0861 726 526

Sales: sales@handl.co.za

Underwriting: uwsupport@handl.co.za

New claims registration: HandLnewclaims@santam.co.za

Claims queries: claims@handl.co.za