Hotel and restaurant business insurance

Hotel and restaurant business insurance is an important procedure that can protect a legal entity from a large amount of expenses. The main thing is to entrust the protection of your property to a reliable insurance broker IC AXIOMA, and we will offer you an insurance company that will provide you with an appropriate insurance package that will meet your interests. Insurance of such a business must be comprehensive.

This type of insurance is intended to protect hotels, restaurants, complexes, health facilities, and their owners from financial losses associated with possible payments in case of damage or injuries that may be caused to guests or clients of these institutions, which occurred on the territory of the facilities.

What risks are covered?

General risks:

  • fire, lightning strike, domestic gas explosion, as well as damages that occurred as a result of measures to save property, extinguish a fire or prevent its spread;
  • explosion of steam boilers, gas storages, gas pipelines, machines, devices and other similar devices;
  • natural phenomena (storm, whirlwind, hurricane, tornado, landslide, flood, flooding, downpour, hail, earthquake, etc.);
  • falling of a piloted aircraft on the insured property or their wreckage; 
  • water damage from various sewage, water supply, heating and fire extinguishing systems;
  • burglary, robbery;
  • deliberate actions of third parties;
  • other risks as agreed by the parties

Risks that can be covered individually under the specific requests of Clients:

  • Civil liability of the enterprise to consumers of services: 
    • causing damage to guests is any action aimed at causing damage to hotel guests, such as damage to property, theft, physical and emotional aggression, violation of privacy, etc., which may lead to civil liability. (For example, poisoning by fresh products, hot food falling from a tray on a guest; damage to a guest's property, icicles falling on a car parked in the parking lot, guests falling on a slippery floor, etc.) 
  • Military risks;
  • Risks of legal expenses etc. 

For hotel and restaurant business owners, we also recommend paying attention to the following types of insurance:

1. Property insurance of legal entities.

2. Voluntary health insurance.

3. Insurance of vehicles Compulsory MTPL, CASCO.

Why is it necessary to purchase a hotel and restaurant business liability insurance policy with IC AXIOMA?

Buying a liability insurance policy through an insurance broker is a smart investment decision for the hotel and restaurant business. Insurance helps protect your business from financial risks and ensures smooth operation in the field of hospitality, service and entertainment. IC AXIOMA offers you to get a high-quality insurance policy, the conditions of which will be examined in detail, which will be drawn up for you in a short period of time, after detailed examination of your individual wishes and needs. All purchased Contracts will be stored in your Personal Cabinet on the IC AXIOMA website, to which you will have unhindered access 24/7. In addition, we guarantee quick settlement and receipt of insurance compensation in case of an insurance event.

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