Hotel Comprehensive Insurance

Our tailor made insurance covers are global in nature, with competitive terms provided by rated insurance companies in the region.

What is Hotel Comprehensive Insurance?

This is a package policy specially designed to meet the mandatory insurance requirements, whilst giving you the choice to customize your cover, suitable for clients involved in the hospitality business. 

Risk are simply part of business and covers which are automatically covered include;

  • Property Damage & Business Interruption
  • Machinery Breakdown
  • Money and Fidelity Guarantee
  • Public Liability including Food Poisoning
  • Employer’s Liability and Workmen’s Compensation

What is covered?

1

Loss and/or damage to the hotel property

2

Plate glass

3

Loss of revenue following damage caused by fire

4

Machinery breakdown

5

Third party liability arising from the operations

6

Loss and/or damage to personal effects of the guests

7

Loss of money

8

Infidelity of employees

The policy may also be customized to suit the requirements of hoteliers. 

What is not covered?

1

Property being worked upon

2

Property in course of construction / erection

3

Electrical or mechanical breakdown

4

Normal wear and tear

5

Normal wear and tear

6

Motor vehicle, water craft or aircraft

7

Animals, growing crops or standing timber

8

Property whilst in transit

9

Consequential losses

10

Loss resulting from unexplained circumstances

11

Mysterious disappearance

12

War, sabotage and terrorism

Period of Insurance

The coverage is provided for a period of 12 months.

Presale and After-Sale Services

We have a professional and experienced team of underwriters who can assist you

  • in the proper understanding of the insurance coverage
  • in answering your queries
  • by advising you on the information required by underwriters to quote competitive terms
  • by assisting in completing the proposal form if applicable
  • by advising you on covers to meet your requirements

You must alert us of any accident that may lead to a claim covered under the policy, and our team of experts will assist you in the quick settlement of the claim. 

Premium rates are based on:

  • Type of occupancy
  • Values at risk
  • Nature of risk
  • Location
  • Selected covers and benefits
  • Limits opted under various sections of the policy.
  • Policy deductibles  
  • Loss record/ past claims if any

Important Information

Please note that for the easy understanding of the insurance policy, we have highlighted the important aspects. We will be glad to receive your queries and discuss the full set of policy terms, conditions and exclusions. 

Call us as soon as possible, in case of an accident, and our team of experts will guide you through the claim process. For more information, please contact ( Premier Insurance Broker ) at +971 2 658 8880. 

Claim Settlement

In case of a claim

  • Notify us of the incident immediately.
  • Notify the relevant authorities, e.g., police, civil defense if applicable.
  • Provide an incident report.
  • Provide estimates of repairs or list of damaged stock as applicable.
  • We shall appoint surveyors where necessary.
  • Await instruction from us/surveyors prior to repairs/ destruction of damaged material.
  • Preserve recovery rights if applicable by notifying third party.
  • Provide invoice/proof of repairs for settlement of claim.
  • In case of business interruption claims, your financial statements will be required and we shall advise you on a case-by-case basis.

Call us as soon as possible, in case of an accident, and our team of experts will guide you through the claim process. For more information, please contact ( Premier Insurance Broker ) at +971 2 658 8880. 

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