Insurance for Tourism & Hospitality
Running a business in tourism means managing risks unique to our region, from wildlife liabilities in Kruger Park to tropical storms in the Indian Ocean. TRUM Africa provides specialist tourism insurance that lets South African lodges, Mauritius resorts, and tour operators focus on guests, not “what-ifs.” We cover everything from 4×4 safari fleets and hotel guest liability to remote medical evacuations. whether you need passenger liability for transfers or cover for your staff, we tailor solutions for the African and island market. Chat with us to build a policy that fits your specific location and risks.
Motor & Fleet Insurance
From a single shuttle to a full safari vehicle fleet, get cover for accidents, theft, and passenger liability. We keep your wheels turning on tar or dirt roads.
Comprehensive Coverage for Business Operations
Reliable transport is the backbone of any tour. TRUM’s motor and fleet insurance handles the real-world risks of moving guests across Africa. We cover damages, third-party claims, and vehicle replacement costs, so a breakdown or accident doesn’t leave your guests stranded or your business paused.
We safeguard businesses against unexpected loss or damage, ensuring profitability and continuity. Our specialized coverage includes properties and outdoor enterprises, and our Evaculation and Crisis Management services offer prompt support in emergencies. Our goal is to mitigate risks, allowing you to focus on running your business.
Assets
Insurance
Protect your lodge structures, dive gear, and hotel inventory against cyclone damage, fire, or theft with our comprehensive assets insurance.
Accommodation & B&B Insurance
Custom-built cover for Cape Town guesthouses and island B&Bs, handling public liability claims, property repairs, and guest-related risks.
Evacuation & Crisis Management
Get rapid medical airlift and crisis extraction for guests in remote areas. Essential for safari lodges and Indian Ocean island operators
Comprehensive coverage for individuals against accidents, ensuring support during recovery and peace of mind for their loved ones.
Personal Accident & Liability
Solid financial support for staff or guests after an injury. We cover medical costs and recovery, crucial for adventure tourism businesses.
Crisis Management Services
Be prepared for any crisis with our specialized services, ensuring swift response and effective management during critical situations.
Frequently Asked Questions
- What does tourism insurance cover?
Tourism insurance protects your business against risks like property damage, guest injuries, vehicle accidents and crisis events. - Is hospitality insurance mandatory?
While not legally required, many tour operators and accommodation providers choose insurance to protect their assets and guests.
- Do B&Bs need specialist insurance?
Yes. B&B insurance typically combines building and contents cover with public liability and business interruption protection. - What is evacuation insurance?
Evacuation insurance covers the cost of moving guests and staff to safety in the event of emergencies such as medical crises or political unrest. - Can I insure my tour vehicles and passengers?
TRUM Africa offers combined motor, fleet and passenger liability policies for tourism businesses.
Short Term
On-Line Insurance
Flexible insurance solutions for short-term needs, ensuring coverage for specific durations or events, tailored to your requirements.
PI
Professional Indemnity
Defend your business if a client claims your advice or booking service caused them a loss. Vital for travel agents and tour planners.
GPL
General Public Liability
Cover legal costs and payouts if a guest gets injured on your property. A must-have for hotels, resorts, and activity centres.
PAX
Passenger Liability
Tailored solutions for businesses transporting passengers, covering potential claims arising from injuries or damages during transit.
D&O
Directors & Officers Liability
Protect your leadership team against potential claims arising from their roles, ensuring they can lead with confidence and integrity.
Emergency Response Solutions
Tourism risks shift fast – from political unrest in SADC to health scares. We offer emergency response solutions built for African realities, helping you protect your guests, staff, and reputation when things go wrong in the field.
Crisis Management Services
Be prepared for any crisis with our specialized services, ensuring swift response and effective management during critical situations
Evacuation
Ensuring swift and safe evacuation in emergencies, our coverage provides peace of mind for businesses operating in remote or high-risk areas.
Personal Protection and Risk Mitigation Insurance Coverage
When emergencies hit, you need more than just a payout, you need action. Our services include specialist crisis guidance and on-the-ground support, handling everything from emergency evacuations to security threats so you aren’t facing the crisis alone.
Personal Accident Insurance
Solid financial support for staff or guests after an injury. We cover medical costs and recovery, crucial for adventure tourism businesses.
Kidnap and Ransom Insurance
Expert negotiation support and financial cover for kidnap and detention risks, essential for operators in volatile or remote border regions.
Political Violence and Terrorism Insurance
Shield your revenue against strikes, riots, and political instability (SASRIA aligned) that can disrupt tourism seasons and damage property.
Cyber Insurance
Recover quickly from data breaches or booking system hacks. Cyber insurance is critical for hotels managing guest credit card data.
Specialised Insurance Solutions:
These services fortify your business in the face of emergencies. They provide robust support (including specialist guidance) for swift and effective crisis management, be it evacuation due to an immediate threat or handling of unexpected situations.
Specialist Guides Insurance
Whether leading a walking safari or a diving group, get personal liability and accident cover designed specifically for registered tourist guides.
Events
Insurance
Comprehensive coverage for event organizers, ensuring protection against potential risks, from property damages to liabilities.
Wildlife
Insurance
Cover the costs of veterinary care, capture, and transport for your game. Essential for private game reserves balancing conservation with business.
Specialised Insurance Solutions:
These services fortify your business in the face of emergencies. They provide robust support (including specialist guidance) for swift and effective crisis management, be it evacuation due to an immediate threat or handling of unexpected situations.
Specialist Guides Insurance
Whether leading a walking safari or a diving group, get personal liability and accident cover designed specifically for registered tourist guides.
Events
Insurance
Comprehensive coverage for event organizers, ensuring protection against potential risks, from property damages to liabilities.
Wildlife
Insurance
Cover the costs of veterinary care, capture, and transport for your game. Essential for private game reserves balancing conservation with business.
Secure Your Business
with Tailored Insurance
From the winelands of Stellenbosch to the beaches of Grand Baie, local risks require local expertise. Whether you run a boutique guesthouse or a cross-border tour fleet, our specialist cover protects your bottom line against the unexpected.
Ready to experience unparalleled peace of mind?