{"id":1215,"date":"2015-02-17T10:55:42","date_gmt":"2015-02-17T14:55:42","guid":{"rendered":"https:\/\/project-011.com\/?page_id=1215"},"modified":"2016-03-11T11:48:00","modified_gmt":"2016-03-11T16:48:00","slug":"hotel-motel-insurance","status":"publish","type":"page","link":"https:\/\/project-011.com\/?page_id=1215","title":{"rendered":"Hotel-Motel Insurance"},"content":{"rendered":"

\"Hotel-Motel<\/a>Hotel-Motel Insurance for Hospitality Clients<\/h1>\n

Hotel-Motel Insurance for the Hospitality industry is protection carefully tailored to the specific business needs of the hotel and motel owner.\u00a0 While each property is different and the scope of operations vary, most hotel-motel insurance policies include the following general areas of coverage:<\/p>\n

Commercial General Liability<\/h2>\n

Commercial General Liability (CGL) protects your business from bodily injuries to people and property damage you become responsible to pay due to negligence arising out of the operation of your hospitality business.\u00a0 If your business requires, we may also add coverage to the CGL portion of your policy for the following:<\/p>\n

    \n
  • Liquor Liability if your hotel includes a bar or offers alcohol for in room or hospitality functions including the operation mini-bar dispensing from in room devices.<\/li>\n
  • Restaurant and food service operations for the operation of restaurant and food service on the property including room service for in-room meals.\u00a0 Food borne illnesses and other hazards that may arise would be covered with this endorsement.<\/li>\n
  • Cyber Liability is a newer form of protection that address the exposure of your computer and data management systems to malevolent attack, breach or corruption where personal information of guests and employees may have been compromised.<\/li>\n
  • Employment practices liability insurance is also a newer form of protection that responds to allegations of illegal employment practices brought as complaints and lawsuits by disgruntled employees who content your business has or is engaging in unfair employment practices.<\/li>\n
  • Employee Benefits liability may be needed to protect against the potential losses that may arise from mismanaging an employee benefit coverage or benefit.<\/li>\n<\/ul>\n

    Building, Equipment, and Business Personal Property<\/h2>\n

    While liability is your largest potential loss, there can be no doubt that your investment in physical facilities is a substantial and failure to properly insure your property exposes the business to financial \u00a0failure if coverage is not properly configured and if important adjutant protections are not included.<\/p>\n

    Buildings are all the constructed structures that make up your hotel.\u00a0 Equipment usually means all permanently installed devices like elevators, compressors, security and alarm equipment and equipment used to service your property.\u00a0 Your business personal property includes all furnishings, electronics, d\u00e9cor items, flooring and the other moveable equipment used on the property in the hospitality services.\u00a0 You should insured at 100% of the cost to replace these items and you should have an accurate inventory of equipment and apparatus.\u00a0 The following are additional property coverage that you should consider including on your coverage:<\/p>\n

      \n
    • Equipment Breakdown specifically insures the types of losses that are not covered in the general property coverage such as mechanical breakdown, electrical arcing, and similar.<\/li>\n
    • Computer Equipment is a special area of property coverage that has become a more important area of protection.\u00a0 It deals specifically with computer and data coverage issues.<\/li>\n
    • Crime and Employee Dishonesty is a critical area of concern for hospitality businesses.\u00a0 You cannot predict which employees will be dishonest or when you will be victimized in a robbery.\u00a0 Crime of theft and employee dishonesty can delivery hard blows to the delicate financial structure of your business so crime and dishonesty coverage is generally advised.<\/li>\n
    • Utility interruption insurance coverage extends to protect against prolonged interruption of power and utilities like water.\u00a0 It will compensate for the costs of accommodating guests who can no longer use your facilities.<\/li>\n
    • Business Interruption coverage is (we believe) an essential addition to your property coverage.\u00a0 It provides a continuation of income in the event your hotel must be closed while repairs are made for a loss to the building that we cover and lost income or diminished income may be able to pay for up to one year following the loss.<\/li>\n<\/ul>\n

      Other coverage you may have a need for include business auto, umbrella liability, event cancellation insurance, Guest relocation expense coverage, and mobile equipment (inland marine) for catering services that you provide off your immediate premises address.\u00a0 You may also elect to purchase Innkeepers Liability for losses to the guest property in excess of any legal liability.<\/p>\n

      We are a source of insurance for well managed and well maintained hospitality properties that are modern and where a pride of ownership is evident.\u00a0 Our carriers provide several risk management services to aid you in managing your risk to loss and the carriers may be able to provide other advice on how to better operate your facilities to accomplish better overall results.<\/p>\n

      This agency operates in Ohio and Michigan and the lead agent is also licensed in Indiana.\u00a0 Contact Terry McCarthy for further information or inquire about obtaining hotel-motel insurance for your business.\u00a0 Reach us at 513-779-7920 M-F from 9-5.\u00a0 Other hours available by appointment.<\/p>\n","protected":false},"excerpt":{"rendered":"

      Hotel-Motel Insurance for Hospitality Clients Hotel-Motel Insurance for the Hospitality industry is protection carefully tailored to the specific business needs of the hotel and motel owner.\u00a0 While each property is different and the scope of operations vary, most hotel-motel insurance policies include the following general areas of coverage: Commercial General Liability Commercial General Liability (CGL) […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":79,"menu_order":0,"comment_status":"open","ping_status":"open","template":"tpl-business-owner-policy.php","meta":{"footnotes":""},"class_list":["post-1215","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/1215","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1215"}],"version-history":[{"count":6,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/1215\/revisions"}],"predecessor-version":[{"id":1223,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/1215\/revisions\/1223"}],"up":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/79"}],"wp:attachment":[{"href":"https:\/\/project-011.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}