← Back to RFS homepage
Home › Industries › Hotels & Resorts
Industry Practice · Commerce & hospitality

Hotels & Resorts

Hospitality insurance for hotels and resorts, property, guest liability, employee compensation and food-borne illness exposure.

Guest liabilityProperty lossEmployee compensation
Request a Sector Review → Speak to an Advisor
The sector

A guest-facing operation where the building, the staff and the experience are all separately exposed.

Hotel and resort operations combine high-value property (often heritage or coastal-location), continuous guest exposure (slip-and-fall, food safety, asset theft from rooms) and large multi-shift workforces. Group health and life cover for staff is increasingly demanded by corporate clients placing bulk room bookings.

Risk profile

Where the exposure lives.

A hotel carries property, guest liability, spoilage and business-interruption risk simultaneously. These four lead.

01
Guest liability
Slip-and-fall, pool incidents, room-asset theft and food-borne illness exposing the hotel to guest claims.
02
Property loss
Fire, flood, storm and earthquake exposure, especially for resorts in coastal or hill stations.
03
Employee compensation
Large multi-shift workforces, kitchen burn-injury exposure and back-of-house manual handling claims.
04
Business interruption
Closure following property loss disrupts revenue from confirmed bookings and conference business.
Recommended cover

The programme we typically place.

Each cover below is a link to the policy page. The combination, the limits and the wording are what we negotiate on your behalf.

01
Fire & Burglary
Hotel package policy with property, contents, BI and theft of guest property.
Learn about this cover →
02
Public Liability
Combined PL with food-borne illness and guest-claim extensions.
Learn about this cover →
03
Workmen Compensation
EC Act cover for the full hotel workforce including kitchen and housekeeping.
Learn about this cover →
04
Group Coverage
Group medical, accident and life cover for staff, increasingly a corporate-client requirement.
Learn about this cover →
Claim reality

What a claim tends to look like here.

A common claim combines property damage, from fire, storm or a kitchen incident, with a guest liability claim and the business interruption of rooms going offline. Spoilage of food stock often rides along.

Questions

Questions we get in this sector.

Yes, through a business-interruption extension that pays lost gross profit and continuing costs while the property is restored, over an agreed indemnity period. We set the period to a realistic rebuild and re-launch time.
Public liability for injury to guests is core; guest property is usually an extension. We include the extensions that match the property's service level.
To a degree set by law and by the terms displayed, and guests will claim regardless. Cover for guests' property is a specific section, and safe deposit arrangements affect how far the liability extends.
Not automatically. Pools, water sports and adventure activities are frequently excluded or need to be declared and specifically included. This is the clause to check before the season rather than after an incident.
Yes. The property exposure does not pause out of season, and an empty property is in some respects more exposed, not less. What can be adjusted is the business interruption basis to reflect seasonal earning patterns.

Need a sector-specific risk review?

Speak with an advisor who has arranged cover for hotels before.

Request an Assessment →