A hotel or restaurant hosts hundreds of people a day, handles their safety, their data and their experience, and lives on its reputation. That makes hospitality one of the most liability-exposed businesses there is — and one that benefits most from a well-designed programme.
What hospitality insurance is
Hospitality insurance is abundled programme for hotels, resorts and restaurants, combining property, liability, business-interruption and people cover into a single, coordinated package suited to a guest-facing business.
The cover every hotel should have
- Property— building, contents and furniture, fixtures and equipment;
- Business interruption— lost room and F&B revenue after a covered loss;
- Public liability— guest injury on the premises;
- Food and product liability— illness from food or beverages served;
- Employee benefitsandfidelity/crimecover; and
- Cyber— protection for guest and payment data.
Property & business interruption
Kitchens make fire a live daily risk, and coastal properties face flood and storm. Property cover rebuilds the asset;business interruptionreplaces the room and food-and-beverage revenue lost while the property is out of action — often the larger loss for a hotel.
The liability exposures
Guest injury
Slips, pool and spa incidents, and premises accidents.
Food safety
Product liability for illness from food or drink served.
Valet & car park
Liability for guests’ vehicles in your care.
Events
Liability arising from functions and banqueting.
Restaurant insurance
For standalone restaurants, the priorities arekitchen fire, equipment breakdown, stock spoilage, public and product liability, and business interruption— a compact version of the full hospitality programme, sized to the operation.
People, cash & crime
Programmes round out withgroup health and personal-accident cover for staff, fidelity guaranteeagainst employee dishonesty, andmoney insurancefor cash on premises and in transit — practical exposures in a high-turnover, cash-and-card business.
Data & cyber
Structuring the programme
Hospitality is best written as acoordinated packagewith a realistic business-interruption indemnity period and liability limits sized to guest volumes — avoiding both gaps between policies and costly duplication.
How Aurevian helps
Aurevian helps youbundle property, liability, BI, people and cyber into one coherent programme, size limits to your footfall and revenue, and manage claims— so a kitchen fire or a guest incident is a managed event, not a crisis.
“In hospitality you are responsible for your guests’ safety, their data and their experience — and insured for all three, or none.”
