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Everything You Need to Know

What Is It? What is Hotels & Restaurants Insurance?

What is Hotels & Restaurants Insurance?

Hotels & Restaurants Insurance is a specialized package policy designed for hotels, resorts, restaurants, cafes, bars and cloud kitchens that deal with high guest footfall and valuable fixed assets. It provides comprehensive protection for your building, kitchen equipment, furnishings and cash against a wide range of operational, guest-related and financial risks. The policy covers your business across its full operating cycle — property and contents, guest and public liability, money at the counter and in transit, and employee-related risks — helping hospitality businesses stay open, protect their reputation, and keep guests' trust.

Fire & Property Damage Public & Product Liability Burglary & Money Fidelity Business Interruption

Why is it important? Why is This Policy Vital for Hospitality Businesses?

Why is This Policy Vital for Hospitality Businesses?

Hotels, restaurants and cafes run on constant guest footfall, live kitchens and high-value fixed assets, all in one high-exposure environment. A single fire, guest injury or food-safety incident can shut down operations, invite legal claims, dent your reputation and put real strain on cash flow. Hotels & Restaurants Insurance acts as a critical risk-management tool — protecting your property and capital, covering guest and third-party claims, and enabling faster recovery from unexpected losses. It lets hospitality owners focus on service and growth, knowing the business is protected against risks that could otherwise have long-term consequences.

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Understand Your Insurance Before Buying

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Who Needs this Policy?

Hotels & Resorts

Building, guest liability and in-room asset cover.

Restaurants & Fine Dining

Kitchen fire, dine-in and food liability cover.

Cafes & QSR Chains

Equipment, stock and walk-in guest protection.

Bars, Lounges & Banquet Venues

Liquor liability and large-event guest cover.

Cloud Kitchens & Caterers

Delivery, spoilage and third-party liability cover.

Types / Add-ons Commonly Offered

Fire & Property Damage Cover

Public & Product Liability

Money in Safe & Transit

Fidelity / Employee Dishonesty

Equipment Breakdown Cover

Business Interruption (Loss of Income)

Liquor liability

Lift Liability

Privacy breach

Valet parking liability

What all is Covered?

Fire & Explosion

Theft & Burglary

Guest Injury Claims

Food Poisoning Claims

Equipment Breakdown

Flood & Natural Perils

Riots & Strikes

Employee Dishonesty

Money Loss (Safe/Transit)

Inclusions & Exclusions

✓ Inclusions 5

Property & Contents Fire, explosion and natural-peril damage to your building, kitchen and furnishings.

Public & Product Liability Guest injury, food poisoning and third-party property damage claims.

Money in Safe & Transit Daily counter cash and takings to the bank, covered against theft.

Employee Dishonesty (Fidelity) Losses from internal theft, where included.

Business Interruption Loss of income while you rebuild after an insured event.

✗ Exclusions 5

Willful Misconduct Deliberate acts by the insured.

Wear & Tear Gradual deterioration or equipment past its working life.

Consequential Loss (Unless Opted) Indirect losses not covered unless business interruption is added.

Unreported / Uninsured Items Assets not declared in the policy schedule.

War / Nuclear / Sanctioned Events Standard political exclusions.

Claims — Process & Examples

Claims information will appear here.

Frequently Asked Questions

Is food poisoning liability covered? +

Yes, when public/product liability is included and the claim is medically substantiated.

Are guests' personal belongings covered in a hotel room? +

Not by default. Property cover applies to your own building and contents; guest belongings need a separate bailee/guest-property add-on.

Does the policy cover liquor liability for bars and banquet venues? +

Does the policy cover liquor liability for bars and banquet venues?

What documentation is needed to file a claim? +

FIR (for theft/burglary), incident report, medical or legal claim papers, purchase invoices, and the surveyor's report.

Can multiple outlets or branches be covered under one policy? +

Yes, multi-location cover can be structured under a single policy with location-wise sums insured.

Know Your Client. Earn Their Trust.

“Operating in the HoReCa industry, we need swift solutions whenever machinery at our hotel breaks down. CoverBizz's proactive team has consistently stepped in and delivered exactly what was needed.”

★★★★★

Mukul Asthana

CFO, Ahuja Residency

“Across a portfolio of properties, equipment damage and liability claims are inevitable. What has stood out with CoverBizz is how quickly they respond — claims are assessed and moved forward without the delays we have experienced elsewhere, which matters when a property needs to stay operational”

★★★★★

C S Sharma

CFO, Lemon Tree Hotels

Specialized Coverage for
Hotels & Restaurants

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