About Us

As a wholly-owned subsidiary of Santam, H&L provides insurance solutions for businesses operating in the tourism, hospitality and entertainment sectors.

Our products are developed by specialists who understand the hospitality and leisure business, the industry and the risks involved. We work through registered, FAIS-compliant intermediary partners to distribute our products.

We have made it our mission to learn all there is to know about our chosen insurance sector, to stay abreast of the latest developments in the industry, and to make sure that our product offering stays fresh and relevant.

And when things change – as they inevitably do – we promptly respond. An example of our ever-evolving cover options is that we now offer a product to protect businesses against cybercrime – a real risk in the digital age, and one to which hotels are increasingly falling victim.

H&L’s product range is categorised in six distinct groups: Eateries, Game Farms, Hotels, BnBs, Clubs & Estates, and Entertainment. Read more here.

Our cover ranges from Deterioration of Stock, Repatriation of Wild Animals, Damage to Greens, to cover for geysers.

Whether big or small, we have a solution for your business in the hospitality and leisure industry. Contact us today for more info.


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Meet our world-class team!

The H&L team of experts

4 Reasons to insure with us

  • Our clients come first.
  • Our products are developed by specialists who understand the industry and the risks involved.
  • We are backed by Santam, South Africa’s largest short-term insurer.
  • By providing comprehensive solutions and expert service, we strive to be the market leader in our industry.