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Hospitality Insurance

Hospitality Insurance

Some of the typical coverages that our policies offer:

Property, Inland Marine, and Crime Coverages

Limit of Insurance

Accounts Receivable – On Premises/Off Premises

$25,000* / $5,000

Alternative Key Systems – Reprogramming Costs

$50,000*

Back up of Sewer or Drains

$25,000

Business Income & Extra Expense (BI&EE

Actual Loss Sustained

BI & EE – 72-Hour Waiting Period Buyback

Included

BI – Tips included

Included

Building – Automatic Increase Amount

4%

Building – Newly Acquired or Constructed Property

$500,000

Building – Tenant Obligation

$10,000

Building Ordinance or Law – A

Included with building

Building Ordinance or Law – B & C Combined

$50,000*

Business Personal Property – Newly Acquired Or Constructed Property

$500,000

Business Personal Property Seasonal Increase

25%

Claims Expense

$5,000

Computer Fraud And Funds Transfer Fraud

$10,000*

Crime Conviction Reward

$10,000

Debris Removal

25% of loss+$10K

Electronic Data Processing & Media (EDP) – Blanket

$10,000* / $2,500

Employee Dishonesty

$10,000*

Extended Business Income

60 days

Exterior Building Glass

Included with bldg

Fine Arts – Blanket

$10,000* / $2,500

Fire Department Service Charge

$10,000

Fire Extinguisher Systems Recharge

$5,000

Forgery or Alteration

$5,000

Guests’ Evacuation Expense

$10,000

Guests’ Inconvenience Cost Reimbursement

$25,000 / $500

Guests’ Property

$10,000

Leasehold Interest

$10,000*

Lock Replacement Coverage

$5,000* / $5,000*

Lost Lease – Lessor’s  Interest

$5,000*

Money and Securities-Inside & Outside the Premise

$10,000*/ $2,500*

Money Orders and Counterfeit Paper Currency

$2,500

Ordinance or Law – Equipment

$10,000*

Outdoor Property – Antennas and Satellite Dishes

$10,000*

Outdoor Property – Trees, Plants, Shrubs and Lawns

$10,000*

Outdoor Property – Fences and Walls

$10,000* / $1,000

Outdoor Signs

$5,000*

Personal Effects

$2,500

Personal Property Off Premises

$10,000*

Pollutant Clean Up and Removal

$10,000

Premises Boundary

1,000 feet

Preservation of Property

30 days

Protection Response Service Expense

$10,000

Tenants Move Back Coverage

$5,000*

Unauthorized Business Card Use – Aggregate / Occurrence

$5,000 / $1,000

 

Utility Services – Direct Damage (Building)

$10,000*

Utility Services – Direct Damage (BPP)

$10,000*

Utility Services – Time Element

$5,000*

Valuable Papers – On Premises/Off Premises


$25,000* / $5,000

* Higher Limits Available


** Other Limits Available


Business Liability Coverages

Limit of Insurance

General Aggregate Limit 

As selected

Products and Completed Operations Aggregate Limit

As selected

Personal & Advertising Injury

Selected Occurrence limit

Each Occurrence Limit

As selected

Tenants Legal Liability

Selected Occ’ limit

Medical Expenses- Any one person

As selected

Newly Acquired or Formed Organizations – 90 days

As selected

Unintentional Errors and Omissions

Included with liability 

Pollution Exclusion – Hostile Fire Exception

Included with liability 

Services Errors and Omissions

$5,000

Delivery Errors and Omissions

$5,000

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