Fortify your business operations by purchasing a comprehensive hotel insurance policy. Use the following overview of hotel insurance to make sure your cover is seamless, leaving no holes that expose you, your business or your employees to undue risk.
Willis Insurance specialises in hotel and hospitality insurances in Northern Ireland.
Standard Covers
The hotel industry is diverse. Hotels can have just a few rooms or they can have hundreds. Accordingly, hotel insurance policies are usually composite, consisting of several core covers and a variety of industry-specific and optional covers. Insurers will typically include the following covers in their core hotel policies:
- Buildings
- Contents
- Employee protection
- Business interruption
- Business liability
- Legal expenses
Optional Covers
Core covers may be supplemented with substantial optional covers to accommodate the various members of the hotel industry. Many of these optional covers are specific to the industry. This list is only a small sampling of the available optional covers:
- Cost of obtaining alternative accommodation for guests
- Guests’ and customers’ personal effects and valuables
- Full theft
- Loss of attraction
- Environmental liability
- Notifiable disease cover
- Subsidence
- Computer breakdown
- Equipment breakdown
- Employee theft
- Contractors’ all risks
- Terrorism
21st Century Covers
Traditional insurance covers have progressed over time to more modern day matters and Willis IRM can provide cover for:
- Employee Protection and Fidelity Cover, to include:
- Road Rage
- Air Rage
- Aggravated Burglary
- Stalking
- Commercial Employee Fidelity
- Ransom Demands
- Claims Preparation Costs
- Company Function and Conference Cover
- Lottery Cover
A bespoke policy is best to make sure your specific risks are acknowledged and minimised. We can tailor a policy that fits your individual needs.
To find out more about our Services please contact our team today on T. +44 (0) 28 9032 9042 or fill out the form below: