Hoteliers Insurance provides business protection coverage for owners and hotel operators. Hoteliers Insurance covers hotels, motels, resorts, spas, and more.
Hoteliers insurance cover includes:
- Buildings and Contents – When considering your buildings insurance sum insured it is important that you use the reinstatement value of the Hotel and not the current Market value. This should include the hotel building and outer buildings including swimming pools etc.
- Business Interruption – provides cover against loss of revenue while being closed down, either due to a claim being made or unforeseeable circumstances like flood and other weather damage to the restaurant.
- Engineering Cover – provides cover for electrical and mechanical breakdowns. It is essential for many hotel services, for example, lifts to be subject to regular inspections.
- Theft – provides cover in the event that there is damage to the building and contents stolen followed a forced entry burglary. Staff theft is covered under fidelity insurance.
- Money – provides cover while in a safe, in your home, on the premises or in transit.
- Public Liability – protection against members of the public being covered in the event of any injury or damage to their property
- Product Liability – protection against claims made due to damages caused by your products or services.
- Employers’ Liability – protection against legal actions following an injury occurred by a staff member.
- Goods Insurance – provides protection for the safety of goods in transit to the hotel.
- Fidelity Insurance – provides protection against employees that fraudulent and dishonest behaviour.
As an independent insurance broker, Central Insurance Brokers Ltd. are not tied to any specific insurance principal. We provide advice and assistance to help you find the right cover plan from a number of insurance principals.