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, quotes@biscaynerisk.com, or via the contact form below.