Hospitality Insurance

Hospitality Insurance

Some of the typical coverages that our policies offer:

Property, Inland Marine, and Crime Coverages Limit of Insurance
Accounts Receivable – On Premises/Off Premises $25,000* / $5,000
Alternative Key Systems – Reprogramming Costs $50,000*
Back up of Sewer or Drains $25,000
Business Income & Extra Expense (BI&EE) Actual Loss Sustained
BI & EE – 72-Hour Waiting Period Buyback Included
Building – Automatic Increase Amount 4%
Building – Newly Acquired or Constructed Property $500,000
Building – Tenant Obligation $10,000
Building Ordinance or Law – A Included with building
Building Ordinance or Law – B & C Combined $50,000*
Business Personal Property – Newly Acquired Or Constructed Property $500,000
Business Personal Property Seasonal Increase 25%
Claims Expense $5,000
Computer Fraud And Funds Transfer Fraud $10,000*
Crime Conviction Reward $10,000
Debris Removal 25% of loss+$10K
Electronic Data Processing & Media (EDP) – Blanket $10,000* / $2,500
Employee Dishonesty $10,000*
Extended Business Income 60 days
Exterior Building Glass Included with bldg
Fine Arts – Blanket $10,000* / $2,500
Fire Department Service Charge $10,000
Fire Extinguisher Systems Recharge $5,000
Forgery or Alteration $5,000
Guests' Evacuation Expense $10,000
Guests' Inconvenience Cost Reimbursement $25,000 / $500
Guests' Property $10,000
Leasehold Interest $10,000*
Lock Replacement Coverage $5,000* / $5,000*
Lost Lease – Lessor's  Interest $5,000*
Money and Securities-Inside & Outside the Premise $10,000*/ $2,500*
Money Orders and Counterfeit Paper Currency $2,500
Ordinance or Law – Equipment $10,000*
Outdoor Property – Antennas and Satellite Dishes $10,000*
Outdoor Property – Trees, Plants, Shrubs and Lawns $10,000*
Outdoor Property – Fences and Walls $10,000* / $1,000
Outdoor Signs $5,000*
Personal Effects $2,500
Personal Property Off Premises $10,000*
Pollutant Clean Up and Removal $10,000
Premises Boundary 1,000 feet
Preservation of Property 30 days
Protection Response Service Expense $10,000
Tenants Move Back Coverage $5,000*
Unauthorized Business Card Use – Aggregate / Occurrence $5,000 / $1,000  
Utility Services – Direct Damage (Building) $10,000*
Utility Services – Direct Damage (BPP) $10,000*
Utility Services – Time Element $5,000*
Valuable Papers – On Premises/Off Premises $25,000* / $5,000
* Higher Limits Available  
** Other Limits Available  
Business Liability Coverages Limit of Insurance
General Aggregate Limit  As selected
Products and Completed Operations Aggregate Limit As selected
Personal & Advertising Injury Selected Occurrence limit
Each Occurrence Limit As selected
Tenants Legal Liability Selected Occ' limit
Medical Expenses- Any one person As selected
Newly Acquired or Formed Organizations – 90 days As selected
Unintentional Errors and Omissions Included with liability 
Pollution Exclusion – Hostile Fire Exception Included with liability 
Services Errors and Omissions $5,000
Delivery Errors and Omissions $5,000