This type of policy provides protection for businesses operating in the management of public establishments such as hotels, restaurants, bars, farm stays, B&Bs, and, more broadly, all accommodation facilities, offering tailored coverage to safeguard not only the typical risks of the activity but also those arising in more specific contexts.
The areas generally covered by this type of policy include: Third-Party / Employer’s Liability, direct damage (fire, atmospheric events, vandalism, etc.) and indirect damage (compensation for losses due to business interruption), theft and robbery, and IT system failures.
Optional coverages include guest protection, legal protection, and employee dishonesty coverage.
Protection of property and/or assets, as well as access to any assistance services related to the operation of the commercial activity.
