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CHOOSE 1ST FOR WOMEN

CHOOSE 1ST FOR WOMEN

HOSPITALITY INSURANCE

tickDigital Marketing benefits included tickTailor-made cover for your unique business needs tickCombine vehicle cover with office contents and save

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4.08/5

Fearless Hospitality. Unstoppable Growth.

From your chic intimate B&B and and guesthouses to your elegantly modern hotel or conference centre, 1st for Women understands the heart and soul poured into your hospitality business.

We offer comprehensive Hospitality Insurance, protecting your passion from unexpected setbacks. From property damage to liability claims and business interruptions, we've got you covered.

Why do I need Hospitality Insurance?

The hospitality world is full of adventure but also risks. 1st for Women Insurance empowers you to embrace those challenges fearlessly. Our tailored coverage protects your business from unexpected events, like property damage or liabilities. With us, you can focus on creating unforgettable guest experiences, while we handle the rest

Who does Hospitality Insurance cover?

Our comprehensive Hospitality Cover, enhanced with custom-made extensions, provides the protection you need, so you can embrace the challenges of the industry with unwavering confidence.

Your 1st for Women Hospitality Insurance includes cover for:

Your Hospitality Insurance benefits

1st for Women Hospitality Insurance has all your hospitality needs covered.

Choose the cover option that best suits you and your business:

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Additional
Hospitality Extensions

Cover included and no additional cost
Feature is covered
Loss of attraction
Feature is covered
Bilking (Non-Paying Guest)
Feature is covered
Fatal injuries
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Comprehensive
Hospitality Insurance

Cost effective cover for all eventualities
Feature is covered
Building and contents coverage
Feature is covered
Office contents
Feature is covered
Business interruption
Feature is covered
Hospitality liability insurance
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Biz Assist
Benefits

Automatically included
Feature is covered
Office emergencies e.g plumbing & electricity
Feature is covered
Marketing & Digital presence support
Feature is covered
Financial advice support

What does Hospitality Insurance cover?

Hospitality Insurance covers a range of risks, including property damage, guest injury liability, employee accidents, theft, and business interruptions. It helps protect against many common losses faced in the hospitality industry, including:

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Buildings & Contents

Covers the physical structure of the building itself (walls, roof, etc.) as well as the contents within (furniture, equipment, stock).

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Office Contents

Specifically covers the contents within an office space, such as furniture, electronics, equipment, and other valuable items.

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Loss of Money

Covers losses due to theft or other unforeseen circumstances involving cash, checks, and other forms of money on the premises.

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Public Liability

Hotels, restaurants, and event spaces interact with many guests daily. Public liability insurance covers legal and compensation costs if a guest is injured, or their property is damaged on your premises.

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Business Interruption

Provides financial compensation to a business when it is unable to operate due to a covered event (e.g., fire, flood), covering lost income and ongoing expenses.

 

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Fidelity Guarantee

Protects businesses from financial losses caused by employee theft, fraud, or dishonest acts. It ensures security and peace of mind by safeguarding company assets against internal risks.

And because we truly care about the success of your hospitality business, we’re including additional extensions to your policy at no added cost, such as:

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Loss of Attraction

An animal attacked a guest and now guests are not booking at your business.

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Travel Disruptions

Air travel delays or strikes cause a loss of income to your business.

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Non-Paying Guests

Billing, in case a guest decides to leave without paying.

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Fatal Accidents

Fatal Injury to any employee, guest or visitor due to unforeseen accidents.

Business Assist Benefits included with your 1st for Women Business policy

Yes, you can get these extra benefits at no additional cost

Our Biz Assist Benefits provide invaluable support to professionals across South Africa. With services like below, we empower you to navigate the complexities of running a business successfully. 

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Safe Drive & Convenience Drive

If your car is out of commission, we’ll ensure you get a safe ride to your destination.

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Roadside Assist

24/7 roadside assistance with fuel delivery, tyre changes, jump-starts, & towing.

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Emergency Medical Assist

Immediate access to medical professionals for emergencies at your business premises.

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IT Help Desk

Telephonic support for IT issues; troubleshooting; setup, connectivity, and installations.

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Digital Marketing

Helping you build a strong digital presence with branding and marketing solutions.

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Collections Assist

Recover unpaid invoices with expert collections and legal support.

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Tender Assist

Provides businesses with pro-active notification of tenders as they arise.

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Financial Advice

Telephonic financial advice covering budgeting, credit reports, and debt counselling.

Download brochure

Get Cash back for your Business

Add the optional Cash Back Bonus to your 1st for Women Insurance policy to start earning rewards

Cash Back rewards you for: Remaining claim-free for four uninterrupted years The pay-out you’ll receive will either be your entire first year’s premiums or up to 25% of all your premiums paid over those four years, whichever is the lesser.

+16 733

customers received their Cash Back Bonuses over the last 5 years

+R138 million

paid out to customers in Cash Back Bonuses over the last 5 years

*Cash back is an optional benefit available at an additional cost. Cover and Cash back Terms & Conditions online. The figures above are based on Cash Back received by all 1st for Women customers, derived from system reports and verified by the TIH Actuarial team. Data reflects figures as of February 2025 and may vary slightly due to reporting processes.

Other essential Business Insurance solutions for women

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Professional Indemnity Insurance

Covers claims of negligence, errors, or omissions, protecting professionals like lawyers and accountants from legal costs and reputational risks.

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Directors & Officers Liability Insurance

Protects companies and leaders from legal actions related to decisions, covering legal fees, settlements, and claims of negligence.

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Public Liability Insurance

Covers businesses for financial losses from third-party injury or property damage, providing security for unexpected incidents.

 

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Events Liability Insurance

Protects event organisers from financial losses due to unforeseen incidents, including third-party injury, property damage, and liabilities.

Frequently asked questions

What is Hospitality Insurance?

What does Hospitality Insurance cover?

Unique scenarios in the Hospitality Industry where cover is required?

Get a quick quote for your
Hospitality Business!

GET A QUOTE NOW

1st for Women is a licensed non-life Insurer and Financial Services Provider. Terms and Conditions online.

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