Hoteliers and others in the hospitality industry confront various liability threats. Maintaining a solid bottom line requires that hotels carry adequate liability insurance. Hotel insurance often includes a wide variety of liability protections, including but not limited to the following:
The hotel's general liability insurance will cover the costs if a visitor is injured or their belongings are damaged while on hotel grounds.
Employers are responsible for workers' compensation costs if an employee has an injury. Your hotel's business insurance policy may contain workers' compensation coverage to assist you in complying with the legislation in your state.
Hotels that provide a shuttle or limo service to transport guests about town or the airport are often subject to commercial auto liability. If your hotel possesses any of these vehicles, check to see that they are covered by liability insurance at least equal to the state minimum.
The risk of food poisoning from hotel dining and room service is standard. This insurance will assist in covering medical bills and other expenses incurred by guests who get ill due to consuming tainted food.
If your hotel has a bar or serves alcoholic drinks in the rooms, you must have liquor liability insurance. You won't be held liable if an intoxicated customer causes injury to himself or others because of your careless alcohol delivery.
Hotel owners may be liable for damages if their property is polluted with mold or other airborne contaminants that cause visitor illness. The commercial insurance will assist in paying for any medical expenses, fines, or cleaning that may arise due to the incident.
Cyber risk: If hackers access your computer and data management system, they may steal visitors' names, addresses, and credit card details. Should this occur, you may be liable for compensating all impacted visitors via credit protection services, among other possible consequences. Protect yourself against financial ruin caused by the internet with cyber liability insurance.
Responsibility for Labour Practises: This policy will cover legal fees and settlements should an employee sue your company for discrimination or harassment.
Your hotel's liability insurance policy will cover all related court fees.
