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Slip, trips & falls on the same level are the 2nd leading cause of injury. The potential for slips, trips and falls can be widespread, but it is important to understand where, on your premises, the greatest potential for danger lies. This is just one of the many risks that you would need to consider.
Our carriers can provide Risk Control services to help our customers identify hazards and implement proper controls to prevent losses from occurring; broad coverages to help protect insureds when a loss does occur; and expert claim handling to minimize the impact of a loss.
When building your hotel/motel insurance package, consider the fact that, although buildings are most likely your largest investment, you are several times more likely to experience a liability claim. Common examples can include guests experiencing a simple trip-and-fall in your parking lot, injuries on exercise equipment, or foodborne illness.
- Protects against injuries to people or property.
- Includes personal injury should the business be accused of libel, slander, or invasion of privacy. Also includes advertising injury.
- Contractual liability
- Medical payments – a sublimit of protection provided, regardless of which party is at fault for injury.
Umbrella Liability: to increase limits of liability on all underlying policies to limits desired. Umbrella limits can range from $1,000,000 to $50,000,000 or higher.
Non-owned auto liability: Can be endorsed onto a hotel/motel insurance policy to protect in the event an employee is driving a personal vehicle on company business, such as a supply run or to pick up the mail.
Cyber Liability: The fastest-growing liability protection that no business should be without. This coverage protects you against compromising personal information of your clients, employees, or vendors, whether electronically or in paper format.
Directors and Officers Liability
Let Payne Insurance & Financial Services help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Motel Insurance.