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Supporting Your Hospitality Clients Through Every Season

ARTICLE BY

  • Auto&General

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At Auto&General, we understand the passion and hard work that goes into building a thriving hospitality business in South Africa. It’s an industry that welcomes and connects people, yet it also faces unique vulnerabilities that can feel overwhelming. We also see the dedication of your clients and recognise the need for business insurance that truly understands and protects their dreams.

Those Devastating Risks

The recent unpredictable weather patterns, with intense heat and record rainfall leading to devastating fires and floods, have undoubtedly added to the pressures faced by the hospitality sector. These events don’t just cause physical damage; they disrupt livelihoods and create immense stress. Business interruption – an unforeseen halt in operations – can feel like a direct threat to the very heart of your clients’ businesses, impacting their income and the security of their teams. And in an industry built on welcoming guests, the potential for third-party liability claims is a genuine concern.

A safety net

Auto&General offers Hospitality Insurance – a critical layer of support designed with your clients’ realities in mind. We’ve witnessed the resilience of the hospitality industry firsthand, and our cover is built to help them recover from unexpected setbacks, ensuring they can continue to operate and provide for their employees. By offering this protection, you’re not just providing a policy; you’re offering peace of mind and the ability to plan for the future with greater confidence, knowing they have a partner who understands the potential challenges.

Our specialised Business Interruption cover is a testament to this understanding. It’s about more than just repairs; it’s about helping your clients get back on their feet, protecting their income, and safeguarding the livelihoods of those who depend on them after events like fire or flood.

Designed with your clients’ needs in mind

We’ve specifically tailored our Hospitality Cover to support the diverse businesses that make up this vital sector:

  • Hotels – the cornerstone of hospitality
  • Conference centres – hubs for connection and commerce
  • Motels and inns – welcoming travellers with care
  • Game lodges – showcasing South Africa’s natural beauty
  • Holiday resorts – creating memorable getaways
  • Catering services – the heart of every gathering
  • Function venues – spaces for celebration and connection
  • Event management – bringing experiences to life
  • Country clubs – fostering community and leisure


Value-added extensions that truly care

We believe in providing comprehensive protection that anticipates the unique challenges of the hospitality industry and we understand that details matter. That’s why Auto&General’s Hospitality Cover includes these tailored extensions at no additional cost:

  • Cancellations of bookings
  • Bilking
  • Bushfire/loss of game
  • Loss of liquor licence
  • Bomb evacuation
  • Loss of aesthetic appeal
  • Undamaged stock
  • Damage to landscaped gardens, water features and statues
  • Damage to landscaped gardens, water features and statues – emergency services
  • Impact – costs of removing animals, satellite dishes, debris, trees and silt
  • Contamination and pollution of fish stocks
  • Damage to contents by wild animals
  • Discharge of weapons
  • Removal of bees and wasps
  • Leakage – fire-extinguishing installations/appliances
  • Loss of water
  • Fatal injury
  • Deterioration of stock
  • Malicious damage
  • Movement of visitor or guest vehicles
  • Damage caused by dry-cleaning
  • Break-out of wild animals
  • Spread of fire


These are just some of the ways we address specific operational nuances and potential disruptions. This comprehensive approach ensures a robust shield against both obvious and subtle risks, safeguarding their hard-earned ventures.

Partnering for their peace of mind

You understand the dedication and investment your hospitality clients pour into their businesses. By recommending Auto&General’s Hospitality Cover, you’re offering them more than just insurance – you’re offering them a partner who understands their world and is committed to helping them navigate the unexpected with greater security and peace of mind.

Let’s discuss how Auto&General’s Hospitality Cover can provide that crucial support for your clients. Call 0800 1000 11 or visit autogen.co.za.

Auto&General Insurance Company Limited is a licensed Non-Life Insurer and FSP. T’s & C’s Online.

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