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Hotel Management and Multiple Risks: Why Specialty Insurance Is Essential
Managing a hotel means welcoming the public 24/7, managing employees, securing the premises and protecting the property of customers. An error, a disaster or an incident can quickly become costly. Insurance designed specifically for hotel establishments, offered by insurance brokers, helps ensure your business continuity, reputation and peace of mind.
Why a specific insurance for hotels?
- High traffic volume: More visitors = more risk of damage or accidents.
- Responsibility to guests: You are legally responsible for the property and safety of your guests.
- Risk of fire, water damage, theft: Hotel infrastructures are exposed to many disasters.
- Expensive equipment: Industrial kitchens, bedding, security systems, etc.
- Large staff: Work accidents, service errors or conflicts can occur.
Essential guarantees for a hotel
| Recommended Warranty | Description |
|---|---|
| Commercial General Liability | Protects against injury or damage to a customer. |
| Commercial Property Insurance | Covers the building, furniture, equipment and décor. |
| Business interruption | Covers loss of income in the event of a temporary closure. |
| Employee liability | Protects the hotel against the faults or errors of its employees. |
| Insurance against damage to customers’ property | Protects against loss or theft of customers’ personal belongings. |
Why compare hotel insurance?
- Targeted offers : A hotel’s insurance needs are specific and complex.
- Optimize your costs : Access the best premiums for the benefits you need.
- Time saving : Compare multiple insurers in minutes.
- Expert support : Our broker partners are familiar with the realities of the hotel industry.
- Clarity of contracts : Easily compare exclusions, ceilings and deductibles.
Specialized insurers for hotels
| Insurer | Overall satisfaction | Hospitality Expertise |
|---|---|---|
| Intact Insurance | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| Aviva insurance | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐⭐ |
| The Unique | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| The Capital/Beneva | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
| Travelers Canada | ⭐⭐⭐⭐☆ | ⭐⭐⭐⭐☆ |
Is insurance required to operate a hotel in Quebec?
Yes. Civil liability insurance is mandatory, or even strongly recommended, depending on the municipality and the accommodation standards.
What does hotel insurance cover?
It can cover claims, civil liability, operating losses, equipment, etc.
Can home insurance cover my hotel?
No, home insurance does not cover hotel-specific business risks. Trade insurance is essential.
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