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Hospitality Insurance to fit your budget
Combine property and vehicle cover and save
Combine property & vehicle cover & save
Flexible cover tailored to your business needs
Flexible, tailored to your business needs
Cash Back Bonus that pays out after 2 years
Cash Back Bonus pays out after 2 years
Insurance for your Hospitality Business
If you're in the hospitality business, you probably spend a lot of time giving your guests the best experience. Unfortunately, that makes it easy to forget to look after your own business. But don't worry - with Hospitality Insurance from Budget, you don't have to lose any sleep about your business's insurance needs. We've got you covered.
Ready for a business boost? Get covered today
What does Budget Hospitality Insurance cover?
Every business is unique, and so are its hospitality needs. Whether you run a small guest house or a large hotel, we provide the right coverage for your hospitality business. Our insurance covers the following and more:
Bed & Breakfast
Small lodgings offering breakfast
Guest Houses
Homely accommodations with personal service
Holiday Resorts
Vacation spots with leisure activities
Game Lodges
Luxury stays with wildlife experiences
Catering Services
Food and drink providers for events
Event Management
Event planning and organizing
Conference Centres
Venues for meetings and seminars
Hotels
Full-service accommodations for stays
Bed & Breakfast
Small lodgings offering breakfast
Guest Houses
Homely accommodations with personal service
Holiday Resorts
Vacation spots with leisure activities
Game Lodges
Luxury stays with wildlife experiences
Catering Services
Food and drink providers for events
Event Management
Event planning and organizing
Conference Centres
Venues for meetings and seminars
Hotels
Full-service accommodations for stays
Your Hospitality Insurance benefits
Budget Hospitality Insurance has got all your hospitality needs covered.
Choose the cover option that best suits you and your business:
Enhanced protection beyond Hospitality risks
No matter how hard you work to keep things smooth, there are always things that are out of your control.That's why you need specialised Hospitality Insurance that provides cover for, among others:
Building and contents
Protect your property and assets
from unforeseen damage or loss.
Office contents
Safeguard essential office
equipment and furnishings.
Business interruption
Stay financially secure during unexpected disruptions
Loss of money
Covers situations involving cash and other forms of money kept on the premises
Public liability insurance
Cover guest-related incidents and potential liabilities
Fidelity guarantee insurance
Cover for theft or dishonesty of an employee
Building and contents
Protect your property and assets
from unforeseen damage or loss.
Office contents
Safeguard essential office
equipment and furnishings.
Business interruption
Stay financially secure during unexpected disruptions
Loss of money
Covers situations involving cash and other forms of money kept on the premises
Public liability insurance
Cover guest-related incidents and potential liabilities
Fidelity guarantee insurance
Cover for theft or dishonesty of an employee
Additional Hospitality Insurance extensions
And because we really care about the success of your hospitality business, we're including additional Hospitality Insurance extensions to your policy at no added cost, such as:
Animal Incidents
An animal has attacked a guest, causing a decline in bookings at your establishment.
Travel Disruptions
Air traffic delays or strikes that cause a loss of income to your business.
Non-Paying Guests
Bilking, in case a guest decides to leave without paying.
Fatal Injuries
Fatal injury to any employee, guest or visitor, for example, by a wild animal.
An animal has attacked a guest, causing a decline in bookings at your establishment.
Air traffic delays or strikes that cause a loss of income to your business.
Bilking, in case a guest decides to leave without paying.
Fatal injury to any employee, guest or visitor, for example, by a wild animal.
Get bucks back with Cash Back Bonus
Get bucks back with Cash Back Bonus
Simply add the optional Cash Back Bonus to your policy, stay claim-free for 2 years and start earning rewards.
What you will get*:
-
15% back of all your premiums paid, over the first two years of claims free, uninterrupted cover
-
10% back of all your premiums paid, if you remain claims free uninterrupted cover, for a further two years; and
-
10% back of all premiums paid for every claim-free year of uninterrupted insurance, thereafter.
+83 682
customers received their Cash Back Bonuses over the last 5 years
+R212 million
paid out to customers in Cash Back Bonuses over the last 5 years
*Cash back is optional and at an additional cost. Cover and Cash back Terms & Conditions online. The figures above are based on Cash Back received by all Budget customers, derived from system reports and verified by the TIH Actuarial team. Data reflects figures as of February 2025 and may vary slightly due to reporting processes.
*Cash back is optional and at an additional cost. Cover and Cash back Terms & Conditions online. The figures above are based on Cash Back received by all Budget customers, derived from system reports and verified by the TIH Actuarial team. Data reflects figures as of February 2025 and may vary slightly due to reporting processes.
Related business insurance solutions
Professional Indemnity Insurance
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Directors & Officers Liability Insurance
Safeguards a company and its leaders from legal actions related to their decisions. It covers legal fees, settlements, investigation costs, and awards from claims of negligence or duty breaches.
Public Liability Insurance
Protects businesses from financial losses if they cause injury or property damage to a third party. Ensures businesses are properly covered for unforeseen incidents, providing financial confidence and security.
Events Liability Insurance
Shields event organisers from financial losses due to unforeseen incidents. Covers third-party bodily injury, property damage, and other liabilities, giving you peace of mind while managing your events business.
Professional Indemnity Insurance
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Directors & Officers Liability Insurance
Safeguards a company and its leaders from legal actions related to their decisions. It covers legal fees, settlements, investigation costs, and awards from claims of negligence or duty breaches.
Public Liability Insurance
Protects businesses from financial losses if they cause injury or property damage to a third party. Ensures businesses are properly covered for unforeseen incidents, providing financial confidence and security.
Events Liability Insurance
Shields event organisers from financial losses due to unforeseen incidents. Covers third-party bodily injury, property damage, and other liabilities, giving you peace of mind while managing your events business.
Frequently Asked Questions
What is Hospitality Insurance?
Businesses in the Hospitality Industry need specialised cover that differs from the standard cover on a commercial policy. The exposure on these businesses are more focused on guests, lodging and entertainment and therefore needed extended cover relevant to the service industry that we have included under several sections on our policy.
What does Hospitality Insurance cover?
Hospitality Insurance covers property damage, liability for guest injuries, employee accidents, business interruptions and theft, amongst other risks. This ensures protection against common hospitality-related losses.
Unique scenarios in the Hospitality Industry where cover is required??
We understand the dedication and passion of businesses in the Hospitality Industry to creating exceptional guest experiences. Our tailored Hospitality insurance solution ensure that while you focus on delivering excellence, we take care of protecting your business
We have included extended cover specific to the hospitality industry at no additional cost for scenario’s such as:
- Loss of attraction: Loss of business income or interference with the business as a consequence of murder, suicide or sexual assault at the Business premises, as well as shark or animal attacks.
- Air travel delays or strikes that cause a loss of income to your business.
- Bilking, in case a guest decides to leave without paying.
- Fatal Injury to any employee, guest or visitor for example, by a wild animal
- Movement of visitor or guest vehicles – where the hotel offers valet services and park clients’ vehicles.
Don’t delay, cover your business today
Get a quote nowBudget is a licensed non-life Insurer and Financial Services Provider. Terms and Conditions online.