Hospitality and
Tourism Insurance

Theft

This extensive offering protects against loss or damage to all contents following visible signs of forcible and violent entry into, or exit from, the insured building. Insurance under this section can also include cover for damage to the building, including landlord’s fixtures and fittings and property at exhibitions and/or trade shows.

Office Contents

Your office premises are protected for contents, rent, documents, liability documents and increased cost of working.

Property Combined

This covers buildings, machinery and stock. It also includes public supply connections, rent and levies, sudden and unforeseen bursting of and leaking geysers and resultant damage, as well as property owners’ liability, beverage leakage, damage by wild animals, property at exhibitions or trade shows, removal of trees, guests' personal effects and more.

Money

Offers protection for the money held on your premises, including cash-in-transit to and from the bank. In addition, loss or damage to repositories such as safes and strong rooms, as well as personal accident assault are covered up to certain limits.

Electronic Equipment

Get protection for standard electronic equipment, including desktop computers, printers, modems, scanners, private automatic branch exchange and servers, as well as portable equipment such as laptops, notebooks, tablets and personal digital assistants (PDAs). Cover may also be extended to include costs for the increase in the cost of working or the recovery of data/programmes.

Glass

Includes cover for loss or damage to internal and external glass (including mirrors) and sign-written glass. Cover may include costs relating to the boarding-up of windows, burglar alarm strips, wires, vibrators, watchmen and removal and reinstallation of fixtures and fittings.

Accidental Damage

Provides cover for accidental physical loss of or damage to the insured property at the premises as long as this property is not or cannot be insured under another section of the policy.

Business Interruption

When losses and property damage put a stop to business, the Business Interruption policy protects against loss of gross profits, gross rentals, revenue, the additional increase in cost of working, wages, fines and penalties for breach of contract. Contingent Business Interruption protects you from damage at the premises of suppliers, subcontractors and customers.

Machinery Breakdown

Provides cover for any unforeseen and sudden physical damage to machinery situated at the insured premises.

Business Interruption (Machinery Breakdown)

Covers loss of gross profits and revenue, provided that the insured first sustains a loss that is covered under the Machinery Breakdown section.

Deterioration of Stock (Machinery Breakdown)

Cover that protects against financial losses due to the deterioration or spoilage of goods or inventory following a loss covered under the Machinery Breakdown section.

Combined Liability

This offers cover for instances where the insured is legally liable to pay in respect of bodily injury or loss of or damage to property, including claimants’ costs and expenses in connection with your business.

Embedded cover includes the breakout of wild animals, spread of fire, exhibitors' liability, incidental medical malpractice and many more. For an additional cost, this section also provides cover for the following optional extensions: products liability, defective workmanship, hunters liability, trustees liability and member-to-member liability.

Directors' and Officers' Liability

Directors and managers of companies can make mistakes that result in losses to either the company or a third party. Directors and managers are held legally liable for the decisions that they make. This section provides protection for the company and its assets for the losses caused or defence costs should such a loss result in legal action against the company.

Cyber

Provides cover for cyber-related events such as cyber liability, crisis management expenses and notification expenses, first-party expenses, cyber extortion and digital media liability.

Goods in Transit

Insures loss or damage to goods during transit. Full or restricted cover is available for fire, explosion, collision, derailment, vehicle overturning and other incidents.

Business All Risks

Covers loss of or damage to the whole or part of movable property whilst anywhere in the world. Movable property means tools, two-way radios, camera equipment and similar items.

Group Personal Accident

Provides compensation to an insured person who sustains bodily injury which, directly and independently of any other cause, results in death, disability or the incurring of medical expenses. Compensation is based either on fixed amounts or amounts based on the insured person’s annual compensation.

Accounts Receivable

Provides protection in the event of loss or damage to business books or records.

Guarantee

Provides protection against loss of money, property and/or direct financial loss sustained by the insured as a result of fraud or dishonesty by an insured employee, including costs of recovery from the employee. It also covers computer losses.

Employers Liability

Cover for damages which the insured is legally liable to pay upon death or bodily injury to, or illness of, any person employed under a contract of service or apprenticeship with the insured.

Motor

Provides protection against loss of or damage to motor vehicles including motor cars, light delivery vehicles, trailers, busses, caravans, motorcycles and forklifts. In addition, comprehensive cover is available to protect against medical expenses following a motor vehicle accident, wreckage removal, loss of fuel, passenger liability, contingent liability, third-party cover and many other benefits.

Solar Power

Provides cover for the solar power system. This includes the inverter, solar batteries, solar panels and solar peripherals.

Fare-paying Passenger Liability

If a vehicle accident occurs during the period of insurance, the insured is indemnified against paying damages and claimants’ costs as a result of injury. The cover provides for persons who are injured in transport, as well as persons injured upon entering and stepping off a vehicle. In addition, persons who are not directly involved in the accident but sustain secondary emotional shock by witnessing it, are also covered.

Greens and Irrigation Systems

This covers the greens, water irrigation systems and electrical systems.

Personal Assets

A range of personal insurance options that allow you to protect your personal assets under the following sections:
 

• Houseowners
• Householders
• Personal All Risks
• Motorboats, yachts and small crafts