Hospitality Insurance
Hospitality Insurance
Running a B&B, motel, or hotel presents its own set of challenges and our Hospitality Insurance is designed to reflect that. Storms and fires can have a catastrophic effect, particularly during the high season, so it's reassuring to know you're covered against the worst that can happen.

 

 

Hospitality Insurance

Some of the typical coverages that our policies offer:

Property, Inland Marine, and Crime Coverages

Limit of Insurance

Accounts Receivable - On Premises/Off Premises

$25,000* / $5,000

Alternative Key Systems - Reprogramming Costs

$50,000*

Back up of Sewer or Drains

$25,000

Business Income & Extra Expense (BI&EE

Actual Loss Sustained

BI & EE - 72-Hour Waiting Period Buyback

Included

BI - Tips included

Included

Building - Automatic Increase Amount

4%

Building - Newly Acquired or Constructed Property

$500,000

Building - Tenant Obligation

$10,000

Building Ordinance or Law - A

Included with building

Building Ordinance or Law - B & C Combined

$50,000*

Business Personal Property - Newly Acquired Or Constructed Property

$500,000

Business Personal Property Seasonal Increase

25%

Claims Expense

$5,000

Computer Fraud And Funds Transfer Fraud

$10,000*

Crime Conviction Reward

$10,000

Debris Removal

25% of loss+$10K

Electronic Data Processing & Media (EDP) - Blanket

$10,000* / $2,500

Employee Dishonesty

$10,000*

Extended Business Income

60 days

Exterior Building Glass

Included with bldg

Fine Arts - Blanket

$10,000* / $2,500

Fire Department Service Charge

$10,000

Fire Extinguisher Systems Recharge

$5,000

Forgery or Alteration

$5,000

Guests' Evacuation Expense

$10,000

Guests' Inconvenience Cost Reimbursement

$25,000 / $500

Guests' Property

$10,000

Leasehold Interest

$10,000*

Lock Replacement Coverage

$5,000* / $5,000*

Lost Lease - Lessor's  Interest

$5,000*

Money and Securities-Inside & Outside the Premise

$10,000*/ $2,500*

Money Orders and Counterfeit Paper Currency

$2,500

Ordinance or Law - Equipment

$10,000*

Outdoor Property - Antennas and Satellite Dishes

$10,000*

Outdoor Property - Trees, Plants, Shrubs and Lawns

$10,000*

Outdoor Property - Fences and Walls

$10,000* / $1,000

Outdoor Signs

$5,000*

Personal Effects

$2,500

Personal Property Off Premises

$10,000*

Pollutant Clean Up and Removal

$10,000

Premises Boundary

1,000 feet

Preservation of Property

30 days

Protection Response Service Expense

$10,000

Tenants Move Back Coverage

$5,000*

Unauthorized Business Card Use - Aggregate / Occurrence

$5,000 / $1,000

 

Utility Services - Direct Damage (Building)

$10,000*

Utility Services - Direct Damage (BPP)

$10,000*

Utility Services - Time Element

$5,000*

Valuable Papers - On Premises/Off Premises


$25,000* / $5,000

* Higher Limits Available


** Other Limits Available


Business Liability Coverages

Limit of Insurance

General Aggregate Limit 

As selected

Products and Completed Operations Aggregate Limit

As selected

Personal & Advertising Injury

Selected Occurrence limit

Each Occurrence Limit

As selected

Tenants Legal Liability

Selected Occ' limit

Medical Expenses- Any one person

As selected

Newly Acquired or Formed Organizations – 90 days

As selected

Unintentional Errors and Omissions

Included with liability 

Pollution Exclusion – Hostile Fire Exception

Included with liability 

Services Errors and Omissions

$5,000

Delivery Errors and Omissions

$5,000