HOSPITALITY INSURANCE

Premier insurance solutions and risk minimization services

HOSPITALITY INSURANCE

Premier insurance solutions and risk minimization services

HOSPITALITY RISK EXPERTISE 

IN FORT LAUDERDALE AND WEST PALM BEACH

Common hospitality risks include, but not limited to are, slip & fall, assault & battery and food poisoning. If your business is found liable, how will you cover expenses? We have helped protect countless business in the hospitality industry for decades. We analyze your unique circumstances and design a customized risk management and insurance plan for your needs.

FAQ

Do Hotels and Motels need insurance?

 Yes, Hotels and Motels have a lot to protect.  They need insurance to protect their property, vehicles, customer records, employees, as well as third party liabilities.

What are some notable risks facing Hotels and Motels?

  • General Liability: The number of guests and visitors contribute to the high risk of premises liability. The location must be well maintained with floor covering in good condition.  Exits should be sufficient in number and signage.  Recreational facilities should be limited to guests only.  All grounds should be in good repair.  Security of guests should be reviewed and best practices implemented.
  • Property Damage: The high combustibility of contents and various sources of ignition make this property damage a concern for hotels and motels. Electrical wiring, plumbing, cooling, heating, and laundering systems must be adequate.  Cooking equipment must meet requirements and flammables should be stored properly. 

  • Products Liability: Restaurants can create risk for products liability within hotels and motels. Employees should be trained in proper handling of food and beverages in order to prevent food poisoning or other communicable diseases.

  • Employee Injury: Cleaning and maintenance operations can result in lung, eye, or skin irritations and reactions. Slip and falls, back injury, hernias, sprains, and strains from lifting and working at awkward positions are common.  Food preparation operations can result in cuts and burns.  Security personnel should be trained in dealing with rowdy guests.

Which insurance coverages are needed for Hotels and Motels?

Insurance coverages needed for Hotels and Motels include (but not limited to) Workers Compensation, General Liability, Property, Business Income and Extra Expense, Employee Dishonesty, Inland Marine, Umbrella, Employment Practices Liability, Cyber Liability, and Auto including Hired and Nonowned Auto. How much does insurance cost for Hotels and Motels?
Insurance premiums for Hotels and Motels will vary based upon several factors.  Each policy is rated on different exposures which may include payroll, revenue, product type, property value, location, driving record, claims history, among others.
How do I purchase Hotels and Motels business insurance?
Biscayne Risk & Insurance Group can help guide you through the insurance buying process.  Contact us at 561.571.1001, [email protected], or via the contact form below.

GET STARTED

Phone
561-571-1001

Email
[email protected]

HOSPITALITY

RISK EXPERTISE 

IN FORT LAUDERDALE AND WEST PALM BEACH

Common hospitality risks include, but not limited to are, slip & fall, assault & battery and food poisoning. If your business is found liable, how will you cover expenses? We have helped protect countless business in the hospitality industry for decades. We analyze your unique circumstances and design a customized risk management and insurance plan for your needs.

FAQ

Do Hotels and Motels need insurance?

Yes, Hotels and Motels have a lot to protect.  They need insurance to protect their property, vehicles, customer records, employees, as well as third party liabilities.

What are some notable risks facing Hotels and Motels?

  • General Liability: The number of guests and visitors contribute to the high risk of premises liability. The location must be well maintained with floor covering in good condition.  Exits should be sufficient in number and signage.  Recreational facilities should be limited to guests only.  All grounds should be in good repair.  Security of guests should be reviewed and best practices implemented.
  • Property Damage: The high combustibility of contents and various sources of ignition make this property damage a concern for hotels and motels. Electrical wiring, plumbing, cooling, heating, and laundering systems must be adequate.  Cooking equipment must meet requirements and flammables should be stored properly.
  • Products Liability: Restaurants can create risk for products liability within hotels and motels. Employees should be trained in proper handling of food and beverages in order to prevent food poisoning or other communicable diseases.
  • Employee Injury: Cleaning and maintenance operations can result in lung, eye, or skin irritations and reactions. Slip and falls, back injury, hernias, sprains, and strains from lifting and working at awkward positions are common.  Food preparation operations can result in cuts and burns.  Security personnel should be trained in dealing with rowdy guests.

Which insurance coverages are needed for Hotels and Motels?

Insurance coverages needed for Hotels and Motels include (but not limited to) Workers Compensation, General Liability, Property, Business Income and Extra Expense, Employee Dishonesty, Inland Marine, Umbrella, Employment Practices Liability, Cyber Liability, and Auto including Hired and Nonowned Auto.

How much does insurance cost for Hotels and Motels?

Insurance premiums for Hotels and Motels will vary based upon several factors.  Each policy is rated on different exposures which may include payroll, revenue, product type, property value, location, driving record, claims history, among others.

How do I purchase Hotels and Motels business insurance?

Biscayne Risk & Insurance Group can help guide you through the insurance buying process.  Contact us at 561.571.1001, [email protected], or via the contact form below.

COMMON COVERAGES

Business Auto Insurance

Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business.

Commercial Property Insurance

Commercial property insurance protects your assets in the event they are stolen, damaged or destroyed in a fire or natural disaster. 

General Liability Insurance

Coverage that protects your business in the event a non-employee is injured or property you do not own is damaged.

Special Event Insurance

Special event insurance protects your assets and finances should something go wrong at the big event. 

Business Onwers Insurance (BOP)

A Business Owners Policy (BOP) combines business property and liability insurance into one convenient policy.

Directors & Officers Liability Insurance

Covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. 

Liquor Liability Insurance

Protection for your business in the event that a customer causes damage or injury after being served alcohol by your business.

Workers' Compensation

Coverage for employees who are injured on the job or contract work-related illnesses. Workers’ Compensation is usually mandated by state law.

OUR EXPERTISE

  • Hotels
  • Motels
  • Travel Companies
  • Night Clubs
  • Social clubs
  • Gentlemen’s clubs
  • One day events
  • Temporary events
  • Liquor stores
  • BYOB establishments
  • Caterers
  • Bowling alleys
  • Other establishments that serve or sell liquor

GET STARTED

HOW CAN WE SERVE YOU?

CALL | 561-571-1001

EMAIL | [email protected]

HOW CAN WE SERVE YOU?

CALL | 561-571-1001

EMAIL | [email protected]