Hospitality Insurance

OUR HOSPITALITY PRODUCT INCLUDES HOTELS, BOUTIQUE HOTELS, GAME LODGES, CONFERENCE AND CONVENTION CENTRES, PRIVATE HOLIDAY HOMES AND SELF CATERING HOLIDAY HOMES

Extensions automatically included at no additional premium:

1. FIRE & BUILDINGS COMBINED SECTIONS

1.1 Alcohol & Beverage Extension – Limit R20 000 (Fire section only)

1.2 Fatal Injury – R15 000
1.3 Landscaped Gardens, Water Features and Statues
Extension – Limit R20 000 per Period of Insurance.
1.4 External Signs, Blinds & Canopies Extension – Limit R20 000
1.5 Contamination and Pollution of Fish Stocks
Extension – Limit R10 000 any one event & R25000 any one period of insurance.
1.6 Chilled/Refrigerated Stock Extension – Limit R30 000 any one event or occurrence (Fire section
only)
1.7 Discharge of Weapons Extension – Limit R10 000 any one event and R20 000 any one period of insurance.
1.8 Removal of Bees – Limit R2 500 any one occurrence & R5 000 in any one Period of Insurance.

2. OFFICE CONTENTS

2.1 Full theft cover is automatically included

3. BUSINESS INTERRUPTION

(following Fire,Buildings Combined, Office Contents, Theft, Glass, Money, GIT & Computer Equipment)

3.1 Bush Fire or Loss of Game
3.2 Loss of Liquor Licence
3.3 Ventilation Failure
3.4 Auxiliary Power Failure
3.5 Loss of Aesthetic appeal – Indemnity period max 3 months
3.6 Bomb Evacuation – Limit 10% of the sum insured
3.7 Murder or Suicide occurring at the premises
3.8 Food & Drink poisoning
3.9 Summons to appear in court as a witness
3.10 Notifiable Disease
3.11 Chemical or oil pollution of beaches, rivers orwaterways
3.12 Defective sanitation, vermin or pests on the order of
the competent local authority
3.13 Shark attack or attack by wild game

4. THEFT

4.1 Fatal Injury – R15 000

4.2 Buildings Increased Limit – R10 000
4.3 Guest / Customer theft extension – Limit R7 500 any one item & R20 000 in the aggregate in respect of any one occurrence
4.4 Locks and Keys, Electronic Access Cards and Remote Controls – Limit shall not exceed the greater of R10 000 or the amount stated in the schedule per event

5. MONEY

5.1 Money in the residence of the Insured, Partner, Director or Employee – Limit R5 000

5.2 Personal Accident (assaults), Capital Sum R20 000,
5.3 Weekly Sum R400 & Medical Expenses R5 000

6. COMPUTER EQUIPMENT

6.1 Automatically included: Increased cost of working of R5 000

6.2 Reinstatement of data of R5 000

7. MOTOR (Retail Value)

7.1 Passenger Liability limit – R2 500 000 (extended sum insured at additional premium)

7.2 Emergency Accommodation – Up to R250 per person, maximum 1 night & maximum R2 000 in any one annual period of insurance
7.3 New for old extension
7.4 Wreckage Removal – Limit R10 000
7.5 Own authorisation of repairs – R5 000
7.6 Fire extinguishing charges – R5 000
7.7 Medical Expenses – Limit R5 000 per injured occupant but not exceeding R20 000 in total for all occupants

8. OTHER SECTIONS AVAILABLE

Accounts receivable, Glass, Fidelity, Goods In Transit, Business All Risks, Accidental Damage, Broadform Liability, Stated Benefits, Group Personal Accident, Computer Equipment, Machinery Breakdown, Interruption following Breakdown, Deterioration of Stock, Small Craft, Homeowners and Householders