Insurance for the tourism industry

If you’re a private restaurant or resort owner, we have designed cover that suits your business’ specific needs.

This solution was designed with the following types of business in mind:

  • Hotels and lodges
  • Guesthouses (with more than 20 rooms)
  • Self-catering accommodation
  • Privately-owned restaurants
  • Caravan parks and resorts
  • Timeshare resorts
  • Conference centres
  • Sports clubs (e.g. golf and bowling)
  • Golf courses
  • Health centres

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The benefits of insuring with us

Santam is the insurer of choice for thousands of Namibians countrywide. We help keep you safe by delivering
insurance good and proper.

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Cover options

Buildings combined

This section provides comprehensive cover for your buildings and their contents.


Fire and related risks can have devastating effects on your assets and in turn your business.

Business interruption

Damage to your business as described in the building and fire sections may result in reduced turnover or additional expenses, which may cause serious business interruption that you did not plan for. You therefore need to ensure that you are covered for this.


This covers vehicles such as motor cars, bakkies, buses, trucks, trailers, caravans, motorcycles and special type vehicles.


Limited cover for money on your premises is already available under the building and fire sections, however, additional cover can be purchased according to your individual business needs.

Public liability

Public liability insurance covers you in the event that you or one of your employees damages someone else's property or causes the death/injury of someone during the course of business.

Umbrella liability

Umbrella liability is an extension or top-up of your existing liability cover that is available to you.


This cover insures your business contents against loss or damage without any forcible/violent entry or exit limitation, except for areas containing liquor or cigarettes.

Other sections

Santam's insurance solutions are flexible enough to incorporate all your insurance requirements, tailoring our services to your specific needs.

Welcome to our blog

Santam shares the latest news and fresh perspectives on the insurance needs of small, large and medium businesses.

Award-winning entrepreneur Lindiwe Matlalis secrets to her success

Award-winning entrepreneur Lindiwe Matlalis secrets to her success

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Could the pandemic be the catalyst for collaboration between industries?

Could the pandemic be the catalyst for collaboration between industries?

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In the news

New transport regulations unclear: goods-­in­-transit to be ‘fully insured’

21 April 2015

The Department of Transport has introduced amendments to the National Road Traffic Regulations for goods-­in­-transit which could have far-­reaching consequences for the agricultural transport industry – including a requirement that goods-­in­-transit be “fully insured”.

Mall robberies: how to stay safe this holiday season

06 November 2014

2014: Following the spate of brazen armed robberies at shopping malls in the Western Cape and Gauteng over the past few months – and with the busy holiday season just around the corner – leading short-term insurer Santam provides some tips on how to stay safe when out shopping.

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