Insurance solutions for catering and accommodation companies
Various different unexpected surprises can occur for companies offering catering and accommodation that can cost valuable time and money for the company. The building and its interior may get damaged due to a fire or flood. The visitors might also get into accidents. As a result of accidents the business activities might stop and income will be lost. To manage these risks better, we recommend to buy insurance. This way the company can focus on its core business and leave the mitigation of risks to ERGO.
What kind of risks may materialise?
A company offering accommodation and catering faces various risks. Here are some real-life examples of insured events.
Fire started in the kitchen
Fire started in the kitchen of a restaurant in the shopping centre. The restaurant kitchen, property as well as stores and their inventory in the shopping centre got damaged. The restaurant’s property insurance compensated the restaurant’s property (e.g. kitchen appliances) and loss of income of the restaurant; liability insurance compensated the damage to the stores in the shopping centre.
Theft in the hotel
Personal belongings of visitors were stolen from hotel rooms. The belongings of customers were compensated under the liability insurance agreement.
Customers eating in the hotel restaurant got food poisoning. Insurance paid compensation to visitors for the missed excursions, medical treatment and medications.