Products
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Guestsure Although Guestsure has been designed to meet the specific needs of the B&B establishment, African Rand realises that each owner is an individual so cover and requirements will differ between owners of each establishment. Therefore, this product will grow with the needs of the establishment. There will be periods where certain covers will not be required (e.g. money). By giving us notice, you can remove the cover and at a later stage request this cover to be reinstated. Together with your broker, let African Rand tailor a package to satisfy the specific needs of your business. Our product is underwritten by an A-rated insurer. This is a brief summary of the cover provided by the policy and is subject to the full conditions and terms of the contract. The basis of cover is subject to the acceptance of the premium and the policy issued by African Rand . |
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| Main Features | |||
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Forcible entry is not a prerequisite for
theft. |
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Guest effects are also covered. |
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No split in value required between business and personal
assets. |
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A single policy. |
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Non-compulsory classes. |
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Bilking cover is provided (Guest leaving without payment). |
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Food poisoning and other extended liabilities required
for the effective management of a Bed & Breakfast facility. |
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Personal accident can be added to the policy. |
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An option can be given to be paid in cash instead of
replacing your damaged /stolen articles subject to discounts. |
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African Rand are able to negotiate most additional requirements
that the guesthouse owner may have, including:- Game and livestock cover,funeral
cover for staff and many others. |
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African Rand will indemnify you for the following: |
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| Fire | |||
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Lightning and or thunderbolt. | ||
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Explosion. | ||
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Any other perils which you choose. | ||
| Buildings | |||
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Your buildings and structures. | ||
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Outbuildings. | ||
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Loss of rent. | ||
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Legal liability (Public supply connections etc.) | ||
| Contents | |||
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Cover for ALL contents - your office as well as the guest house. | ||
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Guest effects that would not typically be covered have also been included. | ||
| Loss of profits | |||
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Loss due to the interruption of business of the B&B. | ||
| Money cover | |||
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Loss of money. | ||
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Bilking –guest leaving the establishment without paying. | ||
| Liability | |||
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All liabilities relating to the B&B establishment including food poisoning. | ||
| Burglary | |||
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No forcible entry required for theft. | ||
| Watercraft | |||
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Loss of or damage to watercraft vessels. | ||
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Medical expenses. | ||
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Liability to third parties. | ||
| Optional Covers | |||
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Power surge. | ||
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Plumbing, electrical appliance cover. | ||
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Emergency medical assistance. |
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African Rand Underwriting managers are able to negotiate most additional requirements that the guesthouse owner may have, including:- Game and livestock cover, Funeral cover for staff and many others. | ||
| Click here for more product information. | |||