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Hotel Insurance
Don’t ignore comprehensive cover when looking for Hotel Insurance in Mzansi – South Africa! And for all those individuals that are not certain what Mzansi stands for – it is a term often used by inner-city South African youth and originates from the Xhosa word “umzantsi” which means “south”.
Hospitality Insurance will usually present a package that will cover many aspects:
Comprehensive cover on buildings:
- Loss of rent for up to 25%
- Loss of water
- Cost of reinstating damaged gardens and water features
- Externals signs, blinds and canopies with a limit
- Accidental damage
- Water pump machinery
- Fatal injuries
- Property owner’s liability
All Risks
- Theft of groceries and household goods whilst in transfer from the place of purchase or repair
Contents cover:
- Full theft cover
- Theft by staff
- Loss of rent
- Fatal injury
- Power surge damage
- Personal effects of guests
- Damage to contents of fridges and freezers
- Loss of damages to keys
- Loss of domestic staff property
Liability cover:
- General liability for tenants
- Guests’ belongings and guests’ vehicles and contents
- Legal defence costs
- Damage to public services
- Food poisoning
The above, plus motor cover will fall under your Hotel Insurance Cover. Remember you can also tailor-make your policies to suit your needs.
