Hotel Insurance Coverage Info | ALIGNED Insurance

Hotel Insurance Policy

Hospitality def: refers to the relationship between a guest and a host, wherein the host receives the guest with goodwill, including the reception and entertainment of guests, visitors, or strangers. Source: Wikipedia

Who Needs Hotel Insurance?

Any type of establishment that provides lodging for guests on a short term basis needs hotel insurance. The facilities provided by such establishments may range from a modest-quality mattress in a small room to large suites with bigger, higher-quality beds, additional furniture, televisions and en suite kitchen facilities. Some establishments that need insurance include;

  • Hotels
  • Boutique hotels
  • Destination resorts
  • Conference centres
  • Motels
  • Inns
  • Bed and breakfast

What Does Hotel Insurance Cover and How Do I know I have The Right Coverage?

The hotel insurance policy usually have similar bodily injury and property damage coverages typically found in property and commercial general liability insurance policies, but are tailored to the unique insurance needs of the hotel industry. These unique needs might mean that liability coverage is needed for an onsite pool, gym, spa or restaurant. Some of the unique coverages available to hotel insurance policies includes, but it not limited to;

  • Emergency evacuation expense
  • Ordinance or law, including increased cost of construction and demolition costs
  • Interruption of utility services
  • Liquor liability
  • Food contamination
  • Business interruption

Common Hotel Claims

It is expected that hotels exercise a high legal duty of care to do everything reasonably possible to ensure that the premises and facilities are safe for all guests, therefore effectively preventing accidents wherever and whenever possible. Some common hotel injury claims include;

  • Slips, trips and  falls
  • Swimming pools
  • Broken furniture
  • Food poisoning
  • Burns
  • Assaults
  • Bed bugs

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