What does the policy cover?
Buildings
Included in the policy if the section is selected:
- Subsidence and landslip included under the buildings section
- Accidental damage cover on buildings up to R25,000
- Power surge is automatically included
Contents
- Personal effects of guests automatically included up to a limit of R30,000 (unless otherwise insured)
- Trauma counselling costs of R3,000 per person (limit R10,000 per incident) following a violent event for guests. Cover extended to away from premises for the insured and any permanent employee
Loss of revenue
- Fire, storm or flood
- Telecommunications breakdown
- Suicide, murder or rape or any attempt thereat
- Shark or wild animal attack or oil spillage
- Cancellation of event
- Staff stay-away (legal or otherwise)
Motor
- Contingent liability up to R2 million if an employee uses his or her vehicle for the business of the establishment
