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Protecting yourself and your business against Cyber fraud

Business owners and individuals are well-advised to take proper precaution against Cyber criminals, and to buy insurance protection against this risk to avoid financial losses. Read more.

OPUS4Business is the official Tourism and Hospitality COVID-19 compliance app

The app is the quick, easy and paperless way for tourism establishments to record compliance with industry protocols and seamlessly manage the required health screening of all persons entering an establishment.

Scam Alert: Vehicle Theft

We've been made aware of a scam to steal vehicles and we'd like to share some important information on how it works.

Santam H&L announces R1 billion relief plan

Santam announced an urgent relief payment initiative of up to R1 billion for policyholders in the hospitality, leisure and non-essential retail services industries who have the Contingent Business Interruption (CBI) extension in their policy.

Bryte announces interim relief to selected hospitality clients with CBI cover

We provide the letter shared with us on Sunday, 26 July 2020, and a Frequently Asked Questions document. Bryte estimates that this latest relief effort could benefit more than 600 small businesses.

The FSCA provides guidance instructions to insurers regarding CBI claim payments

The Financial Sector Conduct Authority issued instructions to insurance companies in South Africa in relation to the payment of claims for Covid-19 related Contingent Business Interruptions claims.

Santam & H&L extends reporting deadlines of Covid-19 CBI claims

Santam announces the extention, and a final opportunity to notify a business interruption claim under the Contingent Business Interruptions extentions in relation to Covid-19 realted claims.

Webinar - Tshwane Tourism Association - Business Interruptions Claims 

Contigent Business Interruption insurance, and the non-payment of Covid-19 related claims by major insurance companies in South Africa. 02 July 2020.

Court Judgement - Cafe Chameleon vs Guardrisk in regards to CBI claims payment

On 26 June 2020, the Western Cape High Court ruled in favour of the policyholder Cafe Chameleon against Guardrisk Insurance Company, in the matter of a Covid-19 related Contingent Business Interruption claim.  Read the full judgement here.

Your insurance policy - what to look out for when your restaurant remains closed

If a business chooses not to open because it would not be financially viable under the new COVID-19 risk-adjusted lockdown restrictions, what would the implications be regarding insurance cover?

Santam refunds 20% of vehicle premiums to assist clients

Santam today announced it will refund 20% of vehicle premiums paid in April for all its Personal Lines and Commercial Lines clients.

Demystifying Business Interruptions insurance.

Owners and operators of establishments have been turning to their insurance companies for assistance, to claim compensation for the loss of income due to COVID-19 related travel restrictions and lockdown – often to their disappointment.  In this article, we will attempt to demystify Business Interruption insurance. 
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The media may be calling it an “act of God”, but what does the law say about force majeure and COVID-19?

The law attempts to make provision where a force majeure causes a contract to become impossible to perform. This article will look at whether COVID-19 triggers a force majeure clause. 

Bryte's 3-month premium relief
for Hospitality clients

In response to the servere financial consequences of the COVID-19 pandemic, Bryte's hospitality clients now have the option of delaying their premiums, and paying back their premiums over a stipulated period of time. Read more

COVID-19
Business interruptions insurance

The impact of COVID-19 on the hospitality industry is already visible. The Bryte BnBSure, Boutique Stay, Wine Dine & Leisure, and Tours & Transfer policies all provide some cover for loss of bookings, but only in very specific circumstances. Read More.

COVID-19
General exclusion notice

Bryte Insurance Company's approach to new requests for cover: - The covers and extensions requested will be provided subject to a policy level general exclusion in regards to COVID-19. Read more.

Liability insurance
a must for hospitality

A guest trips and falls in a toilet cubicle due to a step not being clearly
marked. She sustains severe injuries and sues.  What happens now...?

It's finally official!
Here is the full travel advisory for travelling with minors to SA

International minors travelling to South Africa no longer require Unabridged Birth Certificates or consent letters when travelling with their parents. 

Bryte Newsletter

Product/Policy Changes and All Things Hospitality