Comprehensive General 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.

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Liability from Product or Service
Property damage or Bodily Injury
Medical & Legal Costs Covered

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Medical & Legal Costs Covered
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Comprehensive General 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.

Comprehensive General Liability Insurance for Hotel & Restaurant: Exclusions

A comprehensive general liability policy shall not cover the following risks.

  • 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.

Comprehensive General Liability Insurance for Hotel & Restaurant: Add-ons

The policyholder may extend the policy coverage by adding the following.

  • Loss or damage caused due to an act of god
  • Pollution extension
  • Personal injury or reputational damage to the third party
  • Medical expenses incurred by the third party

Comprehensive General 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.

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Written By: PolicyBazaar - Updated: 07 June 2023
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Policybazaar for Business - Comprehensive Liability Insurance - Customer Reviews
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Based on 27 reviews
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4.3 April 09, 2023
Shubh
Competitive Premiums
The premiums offered by PolicyBazaar for the Comprehensive General Liability Insurance are competitive, considering the extensive coverage and top-notch customer service they provide.Truly recomend it.
Ludhiana
4.3 March 28, 2023
Prakhar
Worth Buying
PolicyBazaar worked closely with me to tailor the coverage to meet the specific needs of my business.Worth buying.
Dehradun
3.8 March 16, 2023
Veer
Wide Coverage
One of the most significant aspects of this insurance is its coverage. It provides extensive protection against a wide range of liabilities, including bodily injury, property damage, etc. Thanks for the policy PB
Lucknow
3.8 March 04, 2023
Akash
Peace Of Mind
I have been a satisfied customer of PolicyBazaar for several years now. It offers a comprehensive and reliable safety that has given me peace of mind and allowed me to focus on growing my business without constant worry about unforeseen events.Thankyou PB.
Bareilly
3.8 February 20, 2023
Ram
Claim Process Is Hassle Free
PolicyBazaar's claims process is efficient and hassle-free. In the unfortunate event of a claim, they handled everything swiftly and professionally, ensuring a smooth resolution without unnecessary delays. This reliability and promptness have further strengthened my trust in their services.Thankyou.
Delhi
4 February 20, 2023
Rohan
Great Customer Support
PolicyBazaar can help you get your Insurance as I am in the construction Industry and needed some guidance on risk concerns. I contacted PolicyBazaar Team, whO explaned to me the process to get the Insurance. Thank you PolicyBazaar.
Jamshedpur
3.8 February 16, 2023
Aditi
Damages Covered
I recently purchased CGL insurnace from PolicyBazaar. They helped me to cover my damages. Thankyou.
Jamshedpur
4 February 12, 2023
Neha
Helpful Team
We were looking to buy Comprehensive General Liability Insurance Plan that protects Third party property from any accidental damage at my workplace. So we landed on the PolicyBazaar website. It was well managed and described all the benfits in detaill... We contacted their Customer support and dcided to buy from them. Thanks, PolicyBazaar Team
Coimbatore
3.8 February 08, 2023
Veer
All In One Platform
It is an All in one platform which provided me unique perks, Low premium prices and a fast claim settlement process. Thankyou PB. Excellent platform.
Vadodara
4.3 February 04, 2023
Amar
Good Package
Got a really good coverage. Thanks, PolicyBazaar
Lucknow