Hotels

Hotels of every category, with the operating characteristics associated with reception, accommodation and related services.

Risk Profile

  • Fire Exposure: Elevated

  • Customer Liability Exposure: Significant

  • Operational Dependency Risk: High

  • Market Conditions: Selective

Determining Factors

  • Public Access Premises (ERP) Compliance

  • Kitchen Extraction & Fire Safety Management

  • Controlled Claims History

  • Documented Business Continuity Planning

Standard Covers

  • Commercial Combined (Property Damage & Business Interruption)

  • Operational Public Liability

  • Products Liability

  • Business Interruption

  • Machinery Breakdown

  • Legal Expenses Insurance

  • Valet Parking Liability

  • Administrative Closure / Denial of Access Cover

Key Underwriting Considerations

  • Kitchen Extraction & Ducting Systems (Fire Load Exposure)

  • Valet Parking Operations

  • Alcohol Stock Values & Theft Exposure

  • Fire Safety Compliance (ERP / Public Access Premises Regulations)

  • High Seasonality & Revenue Concentration