Hospitality insurance provides protection for both your income and your financial investments.
Safeguard your property and ensure the well-being of your guests by investing in hospitality insurance.
Running a hospitality business has its own unique risks.
A significant distinction between insuring a hospitality business and other types of enterprises is the requirement for innkeepers’ legal liability insurance. Legally, you are responsible for ensuring the safety and security of your guests' possessions, and in certain situations, you may be liable for any loss or damage incurred. Additionally, since legal obligations can differ based on your geographical area, your insurance requirements may become quite intricate.
What does hospitality insurance cover?
Hospitality insurance may include commercial property, equipment breakdown, crime, business interruption, utility interruption, and food spoilage.
What is innkeepers’ legal liability?
In the hospitality industry, it is essential to ensure the security and safety of your guests' personal belongings. The legal liability of innkeepers provides protection against potential losses of guests' items while they are kept on your premises.
Other unique risks for the hospitality industry.
In the hospitality industry, it is essential to ensure the security and safety of your guests' personal belongings. The legal liability of innkeepers provides protection against potential losses of guests' items while they are kept on your premises.
Protecting your business if you can’t serve guests.
In the hospitality sector, as in many other fields, the ability to effectively serve your guests is crucial for maintaining profitability. What steps would you take if you were unable to rent out rooms due to a fire or another insurable event? Business income insurance could safeguard you against revenue loss in such situations. Recognizing this risk and tailoring your coverage to meet your operation's unique requirements can be pivotal in determining whether your business can survive a disaster.
Hospitality businesses need general coverage, too.
Establishments such as hotels, motels, inns, and bed and breakfasts require a variety of insurance coverage options typical for most businesses. This includes cyber liability, general liability, workers’ compensation, and employment practices liability insurance, among others.
Are you interested in discovering the advantages of hospitality insurance for your business? Reach out to us to explore your specific needs and available coverage options.
Contact Us
Summerville, SC Office
870 College Park Road
Summerville, SC 29486
Orangeburg, SC Office
1628 Saint Matthews Road
Orangeburg, SC 29118
Experience the Value of an Independent Agency
At Dotterer Insurance, our mission is to help you protect what matters most with coverage you can count on from people you trust.
We are licensed in South Carolina, North Carolina, Virginia, and Georgia.
