Insurance for hotels and restaurants.

SMEs in the hotel and restaurant industry often opt for commercial liability insurance and business inventory insurance.

Business inventory insurance
Hotels, restaurants and guesthouses have valuable inventory that can be damaged by unfortunate events or mishaps. With business inventory insurance, your inventory is protected against fire, water, theft and glass breakage. Benefit from flexible coverage tailored exactly to the needs of your hotel. Insure your inventory for replacement value and avoid high costs in the event of damage.

Commercial liability insurance
Hotels accommodate and employ many guests and employees, which increases the risk of accidents and damage. For example, if a guest slips on a wet staircase and injures themselves, commercial liability insurance covers the resulting medical costs and any claims for damages. With commercial liability insurance, you protect your hotel against unexpected liability claims.

In addition, you are also insured against personal injury and property damage that can occur as a result of mistakes or mishaps in day-to-day operations. Commercial liability insurance offers financial protection and defends against unjustified claims.

Business interruption insurance
Business interruption insurance can be extremely valuable for restaurants and hotels as it provides financial security in the event of unexpected business interruptions. For example, if your hotel operations are interrupted by water, fire or burglary damage and your hotel loses revenue, the lost income will then be covered by business interruption insurance. 

Fixed costs such as wages and rent continue to accrue, even in the event of a business interruption. The insurance then covers these fixed costs, so that the hotel does not get into financial difficulties. 

Business interruption insurance thus ensures the survival of the hotel in the event of damage and offers comprehensive protection against financial risks.

Corporate legal protection insurance
Corporate legal protection insurance provides hotels and restaurants with legal and financial security in the event of everyday disputes. It covers legal and court costs in the event of disputes with guests, suppliers or employees, and protects against the high costs of legal disputes. 

Event third-party liability insurance
Do you host events? Then event third-party liability insurance is the perfect choice. It protects you against claims by third parties for personal injury or property damage.

Buildings insurance
Insure the property in which you do business with buildings insurance. This is recommended if you own the property.

The insurance costs for hotel and restaurant owners depend on a variety of factors. Premiums vary depending on the size of the business, its location, the scope of insurance coverage and the specific risks to the business. We would be happy to advise you personally and create a non-binding quote. 

Please note that no claims whatsoever may be derived from the description on our website:

• Non-binding information: All information on our insurance policies and benefits is provided for information purposes and does not constitute a legally binding offer.
• No guarantee that information is complete or up to date: As insurance policies and legal frameworks can change, we recommend that you always read the official contractual documents or seek advice.
• Individual contractual conditions apply: The final benefits and entitlements depend on individual policies, applications, insurance conditions and agreements.
• Exclusion of liability: Generali accepts no responsibility for errors or misunderstandings that may arise as a result of the content of the website.

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