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 R20,000
  • Power surge is automatically included up to a limit of R22,500

Contents

  • Personal effects of guests automatically included up to a limit of R25,000 (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
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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)
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Motor

  • Trauma counselling costs of R2,000 per person (limit R10,000 per incident) following an event in a motor vehicle insured on the policy
  • Contingent liability up to R2 million if an employee uses his or her vehicle for the business of the establishment
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