Complete Hospitality Insurance Solutions for Hotels, Lodges, and Restaurants
In the hospitality industry, the risks are as varied as they are complex. From managing hotels, lodges, and guest houses to operating restaurants, ensuring you have the right insurance coverage is essential to protecting your business. At SBS, we are your trusted Specialised Insurance Brokers, offering tailored insurance solutions specifically designed to address the unique needs of the hospitality sector. SBS provides a range of short-term insurance options to meet the specific challenges faced by businesses in this industry, ensuring your operations remain safeguarded against unexpected risks.
Hotel & Lodge Insurance
Additionally, for lodges with thatched roofs, we offer specialised Thatch Roof Insurance to ensure full protection against the specific risks associated with these structures. Our tailored solutions are designed to safeguard every aspect of your hospitality business.
Insurance Solutions for Restaurants
With SBS, your restaurant is fully protected, ensuring a secure and successful dining experience for both your business and your patrons.
Don’t leave your hospitality business exposed to unnecessary risks. Whether you’re managing a hotel, restaurant, or guest house, SBS is here to provide the comprehensive insurance solutions you need.
Contact us today to explore the best Hospitality Insurance options for your business.
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Our list of Insurance Solutions
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Your Hospitality Insurance Questions Answered
Hospitality Insurance is a specialised insurance portfolio designed to protect businesses like hotels, lodges, and restaurants from their unique set of risks. Unlike a standard office or retail policy, it bundles specific covers essential for the industry, such as public liability for guest injuries, business interruption due to unforeseen events, and protection for high-value property and stock. It is a tailored solution for a high-risk, customer-facing environment.
No, and this is why a specialised broker is crucial. A large resort’s Hotel Insurance might require extensive cover for conference facilities, swimming pools, and large staff complements. A boutique hotel may need more focused cover on guest safety, unique property features, and online reputation protection. We design your policy around your specific operational size, guest profile, and risk exposure to ensure you are not paying for cover you don’t need.
While property damage is a major concern, Public Liability is arguably the most critical component of both Restaurant Insurance and Lodge Insurance. This covers you financially if a guest is injured on your premises—for example, from a slip and fall or food poisoning. A single liability claim can be financially devastating, making this cover absolutely essential for any business that invites the public onto its property.
Typically, no. Standard Lodge Insurance or general Hospitality Insurance will cover your property and basic public liability, but high-risk guest activities like game drives, quad biking, or guided hikes require a separate, specialised liability extension. It is vital to declare all activities to your broker to ensure you are fully protected from the specific risks associated with these unique offerings.
Many business owners focus on obvious risks like fire and theft but often overlook others that can be just as damaging. These include business interruption (the loss of income after an event), liability from guest data breaches, and the reputational damage from a major incident. A comprehensive Hospitality Insurance policy is designed to address these varied threats. For a more detailed look, we explore this in our guide: Understanding Key Business Risks for Hospitality in South Africa.
