Policy Details
Because we care about the B&B and guesthouse industry, listen to their needs and have designed our policy in
conjunction with establishment owners and the industry!
Included at no cost if the section is selected:
Buildings
- Subsidence and Landslip included under the buildings section.
- Accidental damage cover on the buildings up to R15,000.
- Power Surge is automatically included up to a limit of R15,000.
Contents
- Personal effects of guests automatically included up to a limit of R25,000. Unless otherwise insured
- Trauma counseling costs of R2,000 per person (limit R10,000 per incident) following a violent event for guests but extended to away from premises for the insured and any permanent staff member.
- Bilking cover included up to R20,000 per event.
- Goods in the open up to 1% of the sum insured or R25,000 whichever is the greater
- All Risks cover on the Contents up to a limit of R15,000.
- Garden plants up to R5000 if they are damaged or destroyed during fire fighting operations or by a motor vehicle.
- Signs and signposts up to a limit of R7500.
- Money up to a limit of R5000.
- Loss of data in computers up to R5000
- Damage By Laundry: The damage in terms of this extension is limited to an amount not exceeding R10,000 any one loss and R20,000
- in any one twelve month period but excluding the first R1,000 of any such loss
Fidelity
Automatic cover of R10 000 included
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 stayaways – legal or otherwise
- failure of essential equipment eg. air conditioners
- death or hospitalisation of a “key member” being a spouse, partner or manager
- traumatic event at the premises
- cancellation beyond the control of the guest
- theft – subject to 7 day excess from date reported to the company and limited to 30 days from date of loss.
- Noise pollution from premises within 500 meters of the establishment
- Prevention of Access
Motor
- Trauma counseling costs of R2000 per person (limit R10,000 per incident) following an event in a motor vehicle insured on the policy.
- Contingent liability up to R2m if an employee uses his or her vehicle on the business of the establishment.
- Passenger Liability with same limit as liability section up to R50m.
- NO BLAME BONUS - Means no excess is applicable and No Claim Bonus will not be affected on the motor section (not applicable to Executive Motor section) if it is clear that the insured driver is not to blame.
Plus the new Inflation Protector on the Buildings, Contents and Revenue sections.
This adds 1.25% to the sum insured on these three sections every month but no extra premium
applies until the following annual anniversary date of the policy. Up to 15% increase at no cost until the following year!
Important points to consider...
COVERS both the personal and business portions of the establishments.
Largest insurer of B&Bs and guesthouses in South Africa and we can also insure holiday homes &
backpackers' establishments.
BnB SURE is a preferred supplier to NAA, GHASA, BABASA, FEDHASA, Chambers Accommodation
and Tourism and AA Travel Guides.
PREMIUM DISCOUNTS for owners over 50 and for members of any of the associations mentioned
above or graded by the Star Grading Council.
LIABILITY LIMITS up to R100m written by major liability underwriters at Lloyds of London.
NO FORCIBLE AND VIOLENT entry requirements for theft.
BnB SURE ASSIST is on all policies and includes cover for certain electrical and plumbing problems
such as blocked drains (not septic tanks) PLUS it can cover appliance breakdown to such items as
washing machines, tumble driers, fridges and TV sets at a nominal call out fee of R280.
Value Added Benefits
BNB FINDER - A listing on the www.bnbfinder.co.za website, a reservation facility, which is marketed
in South Africa. This service to our policyholders is FREE!
BNB SURE CLUB - Automatic membership of BnB Sure Club to policy holders. The club offers
discounts to our clients for a variety of goods and services.
WE UNDERSTAND THE B&B AND GUESTHOUSE BUSINESS
BECAUSE WE LISTEN TO THE INDUSTRY!
BnB SURE (Pty) Ltd
P.O. Box 4047
Randburg
2125
AUTHORISED FINANCIAL SERVICES PROVIDER LICENCE No 9854
Email: info@bnbsure.co.za
Website: www.bnbsure.co.za
The BnB Sure policy is only available through a registered
insurance broker. find a broker at - brokerfinder.co.za
“More Than Just Insurance”