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Desmond Insurance Blog

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3 Kinds of Coverage Needed For Your Hospitality Business

10/2/2019

1 Comment

 
Picture
​If you’re in the hospitality business, you provide the following to your customers:
  • Accommodation facilities
  • Dining and relaxation
  • Activity-oriented amenities

Now, when your customer stays in your business premise, they can be exposed to a lot of risks. This is the reason why you need insurance. Aren’t sure what type of coverage you need for your hospitality business? Every business necessitates protection, and to give you the knowledge, here are the three kinds of coverage that can help you if you are in the hospitality industry. 

  1. Business Property Coverage
    By having business property coverage, you’ll have confidence that the physical structure of your business and their contents are all protected from these:

    - Burglary
    - Fire
    - Structural element malfunction
    - Natural disaster
    - Vandalism

    Good to know: You can get insurance with a lower rate when you have the necessary technology — security, alarm, and monitoring systems — to increase security and safety within your business building. Also, you can maintain your structural integrity through regular building inspection.

  2. Guest Property Coverage
    If your business includes providing accommodation for customers, you need to ensure that your customers receive the utmost comfort by providing them what they need while they stay in your premise. One of the most significant things to keep in mind is protecting the belongings of your guests. When you have guest property coverage, you, as the business owner, will be protected against claims if the guest’s property gets stolen from their room while they are not around. 

  3. Equipment Breakdown and Business Interruption Coverage
    In spite of having a consistent inspection and following precautionary measures, some issues may still arise that can impact your hospitality business. For instance, it will be a tough time for you if you need to fix something and have to spend more when you’re in a tight budget. In this case, you need to find the best way that will help you keep your business up.

    When you have equipment break down and business interruption coverage, you will have adequate assistance to afford to do the fix, and this can help you avoid business interruptions. Remember this — your success in managing a hospitality business depends on the quality of service that you provide to your customers.

    Good to know: Consult a reliable insurance agent to obtain the necessary options for your hospitality business for your convenience. Most insurance providers can provide you with a policy that can include all the options mentioned above.                           

One More Thing Before You Go
Customers stay on your business property to be catered to in many ways. To guarantee your protection while running a hospitality business, get the essential commercial insurance for hotels and restaurants now from a reliable insurer.

At Desmond Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (859) 491-5100 or Click Here to request a free quote.
1 Comment
pre purchase building inspection Bayswater link
9/18/2022 10:24:30 pm

Very well written. Your blogs always impress me. Keep up the good work. Expecting the same from you.

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