Hotels and Hospitality
Guests, kitchens, a lift, a pool and a building, all trading. A hotel makes more kinds of claim per square foot than anything else we handle.
What we see
- Fire and allied perils to the building and contents
- Guest injury and third-party liability
- Loss of revenue while rooms or a kitchen are out of use
- Burglary, and loss of guests' property
Where these claims go wrong
two, specificallyBeing decent to an injured guest
The apology offered at reception is the sentence the insurer reads as an admission of liability. You can help someone without accepting fault.
Revenue loss is not the same as room-nights
Business interruption is measured on a defined basis in the wording, and the record has to start on the day the rooms come out of service.
Open these first
Fire Claim
A fire, explosion, lightning strike or impact loss at a business premises.
Liability Claim
A third party alleges injury, damage or loss caused by you or your product.
Before the renewalUnderinsurance is the commonest reduction in every one of these sectors. Three numbers will tell you where you stand.
Had one of these, and the file already going sideways?
Whoever placed your policy, and whatever stage the claim has reached.