Cover as specific as your needs.

As Namibia’s leading short-term insurer, with expertise in developing solutions for your industry, Santam understands your business’s potential risk exposures and offers customised insurance for your B&B or guesthouse to help you mitigate those risks.

Property damage

Get comprehensive cover for buildings, private dwellings and building contents. We cover a wide range of risks including subsistence and landslip, damage to garden and water features, deterioration of food, and employee and guest belongings.

Money

Whether money is kept on your premises, or you need to transport it to the bank, we have the cover for you.

Guesthouse vehicles

Full and limited vehicle cover options that extend to cars, bakkies, trailers, caravans, and motorcycles are available. Additional insurance such as emergency accommodation, emergency medical costs, and trauma are included at no additional cost.

Liability insurance

As a business owner, you know there’s a lot that can go wrong during day-to-day operations. Our liability insurance provides cover if you or an employee cause damage to someone else’s property, if you are held liable for a third-party injury or death as well as other risks.

Business interruption

If your business is not operating, you’re not earning. If your guesthouse or B&B experiences prolonged interruption, unexpected expenses or reduced income due to armed robbery, cancellation, suspension of liquor license, and other risks, we’ve got you covered.

Umbrella liability

Get additional top-up cover on your standard liability policy for reassurance that your guesthouse or B&B is fully protected against every eventuality.