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Hotel & Restaurant Package Policy

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Hotel & Restaurant Package Policy

What is Hotel & Restaurant Package Policy?

A particular kind of insurance policy created especially for the hospitality sector is called a Hotel & Restaurant Package Policy. This policy offers protection against a range of risks and liabilities that restaurants and hotels must deal with, such as property damage, liability for injuries to customers and staff, and revenue loss from business disruption.

Why Hotel & Restaurant Package Policy is important?

A Hotel & Restaurant Package Policy's thorough coverage will vary depending on the particular policy and the requirements of the hotel or restaurant. It's critical for hotels and restaurants to evaluate their unique needs and select a policy that offers sufficient protection for their unique risks and liabilities. Finding the right coverage for a particular business might be helped by an insurance expert. Just like InsureSMEs.​

What is Covered in Hotel & Restaurant Package Policy?

The 16 parts that make up this policy's coverage provide you with the option to pick and choose your level of protection based on your individual needs:

  1. Building / Contents (Excluding Money and Valuables)

  2. Alternate Accommodation

  3. Business Interruption (Fire)

  4. Electronic Equipments

  5. Reinstatement of Data

  6. Portable and Mobile Equipments

  7. Machinery Breakdown

  8. Burglary & Housebreaking

  9. Money Insurance

  10. Fixed Plate Glass

  11. Neon Sign/Glow Sign/Hoarding

  12. Accompanied Baggage

  13. Personal Accident

  14. Fidelity of Employees

  15. Liability

  16. Employee Compensation

What gets excluded from Hotel & Restaurant Package Policy?

We want you to be aware of some of the key exclusions under this policy so that you won't get a nasty surprise when you file a claim. Some possible exclusions include the following:

  1. The loss or damage due to nuclear perils

  2. Damage to property due to pollution and contamination

  3. Loss or damage due to wear and tear, gradual deterioration or slowly developing flaws

  4. Consequential loss of any kind

  5. Wilful act or gross negligence on the part of the insured, resulting in loss or damage

  6. Damage to the property if it is moved to any other location other than stated in the policy schedule

  7. Loss or damage due to burglary and housebreaking when insured a family member is involved

  8. Faults in electrical appliances existing at the time of commencement of the policy or manufacturing defects

  9. Shortage of money due to errors and omission

  10. Injury or death of the insured as a result of his/her participation in dangerous sport/hobbies, misuse of alcohol/intoxicant or resulting from HIV/ AIDS

  11. Loss or damage caused by or due to the action of any lawfully constituted authority or government body

  12. Loss or damage for which the manufacturer the supplier or repairer or transporter or any other third party is responsible either in law or under a contract

Disclaimer: This information is added only for informative purposes and collected from different sources across the Internet. InsureSMEs is not promoting or recommending anything here. Please verify the information before making any decisions.

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