What types of business insurance does Hippo offer through their partners?

Hippo connects you with licensed insurers and Financial Service Providers (FSPs) to offer tailored business insurance coverage for various industries. This includes specialized coverage for construction companies, courier delivery services, driving schools, e-hailing drivers (Uber/Bolt), funeral services, guesthouses and B&Bs, motorbike food delivery services, motor mechanics, and shuttle services. Each business type has specific insurance needs, from vehicle insurance and public liability to professional indemnity and specialized trade coverage.

How much can I save on business insurance through Hippo?

According to Hippo's independent research, users who compared multiple insurance quotes through their platform saved an average of R572 per month. The comparison process takes just 2 minutes and is completely free with no hidden fees or markups. You pay no more than you would if you went directly to the insurer, making it a cost-effective way to find the right business insurance coverage.

What is Professional Liability Insurance and do I need it for my business?

Professional Liability Insurance, also known as professional indemnity insurance or errors and omissions (E&O) insurance, protects your business from claims made by clients who allege that you failed to provide the services you agreed to perform or that your professional services caused them financial loss. This coverage is essential for service-based businesses, consultants, contractors, and other professionals who provide advice or services to clients.

Is Hippo's business insurance comparison service safe and reliable?

Yes, Hippo only works with licensed insurers and registered Financial Service Providers (FSPs). Your data is protected - they never sell your personal information to third parties. The platform is free to use with no hidden fees, and you can trust that all insurance partners meet regulatory requirements and industry standards for financial services in South Africa.

How quickly can I get business insurance quotes through Hippo?

You can get comprehensive business insurance quotes in just 2 minutes through Hippo's platform. The process is streamlined to save you time while ensuring you get tailored coverage for your specific business type and industry needs. Once you complete the quick quote process, you'll be able to compare options from multiple licensed insurers to find the best coverage and rates for your business.

Guesthouse & B&B Insurance | Compare Quotes

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All our Business Insurance partners are licensed insurers and FSP's, vetted to meet our internal compliance and quality standards.

Guesthouse and B&B Basics

Give your business an added level of safety from sudden events by investing in the right cover Managing a guesthouse or B&B comes with unique risks that require specific insurance solutions. You may already know this, but in case you’re not sure exactly what you should have in place when it comes to guesthouse insurance, we’re here to help you.

South Africa is a top global tourism destination. Visitors from all over the world frequently touch down in our beloved Mzansi for a once-in-a-lifetime experience. This means that the tourism industry can be a very lucrative one, with accommodation options such as guesthouses and B&Bs playing a crucial role.

The Tourism Grading Council of South Africa defines a guesthouse as accommodation in a house, renovated house or a specifically designed building that offers breakfast, as well as other public areas guests can exclusively access. A B&B is similar, but the host either stays in the building or on the property and shares the public facilities/areas (dining area, lounge, etc) with guests. Of course, breakfast is also included in a B&B (you know, bed and breakfast).

In some parts of the country, legislation states that a B&B should have no more than three guest bedrooms, while a guesthouse should have no more than four.

Bed and Breakfast or Guesthouse Insurance

Guesthouses and B&Bs need layered cover to protect the property, guests, revenue and day-to-day operations.

Building Contents Insurance

Building Contents Insurance is essential when running a guesthouse as it covers your main buildings, outbuildings and garages in the event of the contents therein being stolen. It also covers contents on your grounds, which includes laundry, garden and pool furniture. Importantly, Building Contents Insurance protects your guests too, as their personal effects are covered in the event of theft.

Theft aside, Building Contents Insurance also comes in handy should you encounter beverage leakage, accidental damage and deterioration of foodstuffs, and covers you for personal legal liability, among other events.

Good to Have: Building Insurance

Fallen trees, burst pipes and fire damage to your building can really get in the way of keeping your business going, which is why it's important to protect your guesthouse or B&B. This is where Building Insurance comes in as it covers you for these eventualities and more, such as damage to your building (intentional or accidental) including glass, mirrors and sanitaryware, as well as damage to landscaped gardens and water features, and/or damage to water-pumping machinery. Building Insurance also includes property owner's liability.

Good to Have: Business Interruption Insurance

Business interruption insurance is very useful as it ensures that your business can continue to operate during disruptive circumstances. It will cover you in the event of bilking, ventilation and/or auxiliary power failures, and/or if you have bookings that are cancelled. Business interruption insurance is also helpful should your employees go on strike, assisting you with expenses incurred due to a staff stay-away.

Good to Have: Public Liability Insurance

Negative guest reviews can be damaging to your business, which is why Public Liability Insurance is worth having. It can help you manage some unpleasant incidents that may unfold, including damage to a guest's vehicle or damage to a guest's clothing due to dry-cleaning. It also covers food and drink poisoning and product liability.

Optional: Money and Office Contents Insurance

The last types of cover to consider are Money insurance and Office Contents insurance, which cover receptacles, locks and keys, and damage to staff clothing, as well as personal effects, respectively.

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I saw an ad relating to finding an insurance company to cover my vehicle. I responded and received a call immediately from a company that I showed interest in. The call turned out to be very helpful. The entire experience took less than 20 minutes. I am therefore impressed by what Hippo is doing as an online service.

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Independent Service Rating based on 20 704 service ratings.

Business Guides

Compare Business Insurance and find a plan that meets your needs. Whether you want comprehensive cover or more focused shuttle business liability coverage, looking at multiple options online helps you make an informed decision.

Business Insurance Guide

Explore what’s covered and how to choose the right policy for your business.

Business Legal Cover

Affordable legal support for contracts, labour issues, and disputes.

Car & Commercial Property

Protect vehicles and business premises from damage or theft.

Commercial Property Insurance

Cover for business buildings, offices, and contents.

Credit Risk Insurance

Reduce losses from unpaid invoices or client defaults.

Employers’ Liability Insurance

Cover for employee claims due to injury or illness at work.

Event Liability Insurance

Protection for damages or injuries during events you host.

Key Person Insurance

Safeguards your business if a vital team member can’t work.

Product Liability Insurance

Cover for damage or injury caused by your products.

Professional Indemnity Insurance

Covers legal costs if your advice or service leads to a loss.

Professional Liability Cover

Protection from negligence, breach of duty, or misrepresentation.

Building & Construction Insurance

Cover for construction sites, equipment, and public liability.

Courier & Delivery Services Insurance

Insurance for drivers, goods, and operations in transit.

E-Hailing Drivers Insurance

Tailored protection for ride-hailing professionals like Uber & Bolt.

Funeral Parlours Insurance

Business cover for parlour operations, vehicles, and services.

Guesthouses & B&Bs Insurance

Insurance for hospitality owners covering buildings and liability.

Motor Mechanics Insurance

Cover for workshop tools, liability, and customer vehicles.

Motorbike Food Delivery Insurance

Protection for delivery riders and their vehicles.

Shuttle Services Insurance

Cover for private and corporate transport businesses.

Insurance for Guesthouses and B&Bs

What insurance is essential for running a guesthouse or B&B?

Building Contents Insurance covers accidental damage, theft, beverage leakage, and food spoilage. It also protects your guests' personal items and includes legal liability cover.

Why consider Business Interruption & Public Liability Insurance?

These help you recover from unexpected events like cancellations or guest-related accidents (e.g., food poisoning or broken furniture). This protection helps you keep trading smoothly.

What optional insurance can guesthouse owners add?

Add Money Insurance, Building Insurance, and Office Contents Insurance to protect everything from cash to staff equipment—ideal for peace of mind and smoother operations.

Hospitality Cover You Can Count On

Compare more than just Business Insurance

With Hippo we make it easy to find great deals across multiple products.

Car Insurance

Covers your vehicle against damage, theft and third-party claims. Premiums vary by driving history, usage, vehicle model and where you park overnight.