Hospitality Insurance for your business
Combine property & vehicle cover - Professional cover tailored to your business needs
- Payback Bonus that pays out after 4 years
Insurance for your
Hospitality Business
At DialDirect, we understand the unique risks that come with running a hospitality business, whether it is a boutique hotel, guest house or Bed & Breakfast.
Our Hospitality Insurance is designed to protect what matters most, your property, your team and your peace of mind. From unexpected events like fire or theft to the day-to-day challenges of liability and equipment breakdown, we are here to ensure you can focus on what you do best, welcoming your guests.
Sleep easy knowing you have tailored cover, expert support and a team that truly understands your industry. With DialDirect, your business is in safe hands.
What does DialDirect Hospitality Insurance cover?
Every business is unique, and so are its hospitality needs. Whether you run a small guest house or a boutique hotel, we provide the right coverage for your hospitality business. Our insurance covers the following and more:
Small lodgings offering breakfast.
Homely accommodations with personal service.
Vacation spots with leisure activities.
Luxury stays with wildlife experiences.
Food and drink providers for events.
Event planning and organising.
Venues for meetings and seminars.
Full-service accommodations for stays.
Your Hospitality Insurance benefits
DialDirect Hospitality Insurance has all your hospitality needs covered.
Choose the cover option that best suits you and your business:
Comprehensive Hospitality Insurance
Cost effective cover for all eventualities
Building and contents coverage
Office contents
Hospitality liability insurance
The insurance your business needs, the service you deserve.
Biz Assist will help your business grow
We’re committed to your business success. Our Business Vehicle Insurance offers Business Assist benefits at no extra cost to ensure your business runs smoothly. From roadside emergencies to tender assistance and digital growth, these are just a few examples of what's included.
Enhanced protection beyond Hospitality risks
No matter how hard you work to keep things smooth, there are always things that are out of your control.
That’s why you need specialised Hospitality Insurance that provides cover for, among others:
Protect your property and assets from unforeseen damage or loss.
Safeguard essential office equipment and furnishings.
Stay financially secure during unexpected disruptions.
For physical loss of or damage to legally tendered cash, crossed cheques, credit card vouchers, postal or revenue stamps.
Cover guest-related incidents and potential liabilities.
Cover for theft or dishonesty of an employee.
Additional Hospitality Insurance extensions
An animal has attacked a guest, causing a decline in bookings at your establishment.
Air traffic delays or strikes that cause a loss of income to your business.
Bilking, in case a guest decides to leave without paying.
Fatal injury to any employee, guest or visitor, for example, by a wild animal.
Get your tailored Hospitality Insurance quote today.
Get Payback Bonus for your Business
Add the optional Payback Bonus to your Dialdirect Insurance policy to start earning rewards
Payback Bonus 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.
customers received their Payback
over the last 5 years
paid out to customers in Payback
over the last 5 years
*Payback is an optional benefit available at an additional cost. Cover and Payback Terms & Conditions online. The figures above are based on Payback received by all DialDirect 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.
DialDirect Business Insurance includes
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Safeguards a company and its leaders from legal actions related to their decisions. It covers legal fees, settlements, investigation costs, and awards from claims of negligence or duty breaches.
Shields event organisers from financial losses due to unforeseen incidents. Covers third-party bodily injury, property damage, and other liabilities, giving you peace of mind while managing your events business.
Gives you the backup you need when the unexpected strikes. From a client tripping over a cable to accidental damage at a customer’s premises, we’ve got you covered.
Frequently Asked Questions:
Businesses in the Hospitality Industry need specialised cover that differs from the standard cover on a commercial policy. The exposure on these businesses are more focused on guests, lodging and entertainment and therefore needed extended cover relevant to the service industry that we have included under several sections on our policy.
Hospitality Insurance covers property damage, liability for guest injuries, employee accidents, business interruptions and theft, amongst other risks. This ensures protection against common hospitality-related losses.
We understand the dedication and passion of businesses in the Hospitality Industry to creating exceptional guest experiences. Our tailored Hospitality insurance solution ensures that while you focus on delivering excellence, we take care of protecting your business. We have included extended cover specific to the hospitality industry at no additional cost for scenario’s such as:
- Loss of attraction: Loss of business income or interference with the business as a consequence of murder, suicide or sexual assault at the business premises, as well as shark or animal attacks.
- Air travel delays or strikes that causes a loss of income to your business
- Bilking, in case a guest decides to leave without paying.
- Fatal injury to any employee, guest or visitor for example, by a wild animal
- Movement of visitor or guest vehicles – where the hotel offers valet services and parks guests’ vehicles.
Quit the yada yada.
Get Hospitality Insurance today!
