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.