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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.