Hospitality

Hotels, Restaurants & Resorts

Hospitality operations combine high-value property, significant guest liability exposure, and business interruption risk that can extend well beyond physical damage. Reputation damage from incidents adds another dimension.

Key Exposures

Guest injury and property damage claims
Food & beverage liability
Property damage and business interruption
Cyber and payment card breaches
Event cancellation and no-show losses

Coverage Framework

Commercial Property & Business Interruption
Public & Products Liability
Cyber & Data Privacy Insurance
Event Cancellation
Employee Benefits
Fidelity & Crime

Hospitality

Common questions about Hospitality coverage.

Hotel BI must reflect average daily rate, occupancy patterns, and seasonality. Indemnity periods of 18–24 months are common because rebuilds are protracted and brand recovery takes time.

F&B operations require explicit food contamination and product extensions. Standard public liability often excludes or sub-limits food-related illness claims. We negotiate higher sub-limits and recall extensions.

Hotels handle large volumes of payment-card and personal data. PCI-DSS exposures and DPDP-driven notification costs can run into crores per incident. Standard policies are silent on this — dedicated cyber cover is essential.

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Could one incident disrupt the experience you've built?

We'll help identify gaps across property, guest and food liability, cyber, business interruption, events and employee exposures.

Review My Hospitality Risks →