Liability Insurance for Hotel & Restaurant

Any loss or damage caused to a third party can be claimed by the policyholder under the comprehensive general liability insurance for hotel & restaurant. However, such damages or losses must be caused due to the negligence act of the policyholder. While running a business, an unprecedented accident may take place. It may inflict harm to a third party which is expected to be compensated by the business owner. Therefore, in order to mitigate such liability, people subscribe to a general liability policy.

₹1 Crore cover starting at ₹4,720/year⁺

Safeguard your business against

claims of bodily injury

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Liability Insurance for Hotel & Restaurant: Inclusions

The comprehensive general liability policy provides coverage for the following.

Any liability arising within the premises of the policyholder shall be covered under a general liability policy.

Any liability arising due to the product of the insured shall be covered under a comprehensive general liability policy.

Any damage or injury caused to a third party due to fire in the course of business operation shall be covered under the comprehensive general liability policy.

Any medical expenses in case of an accident shall be covered under a comprehensive general liability policy.

Any personal injury such as reputation injury caused to a third party due to the advertising method of the policyholder shall be covered under a comprehensive general liability policy.

Any case filed by a third party, such as the case of harassment or discrimination or segregation shall be dealt with under the comprehensive general liability policy.

Trade breaches shall be covered under a comprehensive general liability policy.

Liability Insurance for Hotel & Restaurant: Exclusions

Any intentional injury inflicted on a third party shall not be covered under the comprehensive general liability policy.

Any deliberate attempt of the policyholder shall not be covered under the comprehensive general liability policy.

Any loss or damage arising due to the pollution shall not be covered under the comprehensive general liability policy.

Any property damage arising shall not be covered under the comprehensive general liability policy.

Any product damage shall not be covered under a comprehensive general liability policy.

Any work-related damage shall not be covered under a comprehensive general liability policy.

Any loss or damage arising due to war shall not be covered under the comprehensive general liability policy.

Any loss or damage that arises due to a nuclear explosion shall not be covered under a comprehensive general liability policy.

Liability Insurance for Hotel & Restaurant: Claiming Process

The policyholder must inform the insurer upon acknowledging the damage or loss caused to a third party.

The policyholder must file a claim by filing the claim form.

The claim form can be issued from the insurer.

The policyholder must provide the required documents asked by the insurer.

A surveyor shall be appointed by the insurer in order to analyze the extent of the loss.

The surveyor shall investigate and make a report.

He shall submit it to the insurer.

On the basis of the report submitted by the surveyor, the insurer shall either deny or accept the claim.

FAQs

Q: Can a policyholder avail of coverage for a trademark breach?

Ans: A loss or damage to a third party caused due to the trademark breach. Such loss is generally incurred due to advertising of the product. A comprehensive general liability policy covers such damage.
Q: Under which scenarios it is wise to buy a liability policy?
Ans: An individual must purchase a general liability policy in the following scenario
- If the business conducts face-to-face interaction with the partners or clients
- If a business holds some crucial details of the client
- If the business has access to the asset of the client
- If the business engages in representing the business of the client
Q: Can a policyholder avail of the coverage for contractual liability?

Ans: The comprehensive liability policy does not provide any coverage for contractual liability.
Q: Who needs liability insurance for hotels & restaurants?

Ans: Small and medium-sized businesses need a comprehensive general liability policy