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HOTEL INSURANCE

10 Insurance Policies  in 1 package!

In the modern economic environment, it is important to ensure the smooth operation of every hotel unit under any circumstances. The Hotel Insurance insurance program provides comprehensive protection to address any risks that may threaten a hotel, whether it is unforeseen damage to the property or customer claims that may arise and would have unpleasant financial consequences for the viability and reputation of the business. Hotel Insurance is specifically designed for hotel owners, and it is a complete insurance package which combines Property and Liability coverage.

What is a Hotel Insurance Package?

It is a multi-insurance policy for hotels and tourist complexes. The basic part in this multi-insurance is property coverage that covers material damage to the building, furniture, machinery, equipment and stock of the hotel. Additionally, the business owner can  add nine more important insurance coverages for hotel units.

What is insured?

The Hotel Insurance provides coverage for the building and the contents for loss or damage against all risks (All Risk Cover). Basically, whatever is not excluded its covered.  Indicatively below I am referring the main coverages:

  • Fire
  • Lightning
  • Explosion
  • Strike, Riots and Political Unrest
  • Malicious damage
  • Earthquake or volcanic eruption
  • Explosion, or Overflow of Water apparatus fuel or water pipe.
  • Fall of an aircraft or other flying device
  • Theft or Attempted Theft accompanied by Violent Entry or Exit
  • Collision in buildings
  • Storm, cyclone, hurricane, storm
  • Flooding or Overflow of the sea
  • Fall of Trees or Branches
  • Smoke
  • Location and access of water lick
  • Fire damage to gardens
  • Short circuit

Property Coverage Extensions

The Hotel Insurance also offers the following extensions without additional insurance:

  • Debris removal
  • Professional fees for accountants and architects
  • Property in open spaces
  • Public authorities
  • Temporary movement
  • Automatic coverage
  • Seasonal increase
  • Failure to neglect insurance
  • Services
  • Fire extinguishers
  • Keys and locks
  • Water meter
  • Wells
  • Location and access
  • Fire damage to gardens
  • Short circuit

Optional coverage

Depending on their needs, each hotelier may add the following insurance coverages with an additional premium to their Hotel Insurance Package

  • Employer’s Liability
  • Third Party Liablity
  • Business Interruption 
  • Money
  • Glasses cover 
  • Personal Accidents
  • Product Liability
  • Goods in Transit 
  • Deterioration of Goods in Refrigerators / Refrigerators
  • Employee Dishonesty

Clarification
The information above may vary from Insurance Company to Insurance Company. Depending on the Insurance plan we will propose, we will give you all the relevant information required by the legislation so you can make your decision. Ask us today for an offer and, we will choose the most suitable package for your needs and budget.

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