Hotels, restaurants and venues welcome guests every day, which keeps people, property and reputation in constant contact.
Follow a typical day and see where exposures appear.
Slips, luggage handling and valuables left at the desk can lead to injury or loss claims.
Food-related incidents, kitchen fire and equipment breakdown can harm guests and disrupt service.
Guest property, pools, lifts and housekeeping bring liability and property exposures.
Large gatherings add crowd, contractor and third-party risks, and cancellation concerns.
Slips, food-related incidents and injuries on premises can lead to liability claims.
Furnishings, kitchens, cash and stock face fire, theft and breakdown.
A closure after a loss can stop income while costs continue.
Look at how guests use the venue, from entry to kitchen to events.
Identify exposures across front of house, back of house and outdoor spaces.
Build cover for liability, property and income, tuned to seasonal peaks.