Introduction

Like any business, operating a guesthouse comes with risks for the customers and for the business. This policy is a comprehensive policy specially formulated to protect the whole portfolio of guesthouse operations to give its owners and operators peace of mind.

Coverage

ThisPolicyprovidesthefollowingcoverages:

• Fire & Additional Perils - Fire policy provides coverage for loss of or damage to insured property caused by: Fire, Lightening, Domestic Explosion (Gas Cylinder), Additional Perils and other Natural Perils (Earthquakes, Tsunami, Tidal Waves, Etc.)

• Theft - Forcible, violent and unlawful entry into or out of premises with the intention of depriving your property. General shoplifting not covered and not within the definition of theft

• Consequential Loss - This policy covers loss of business consequent upon a covered event

- Cover for reasonable interruption period until business revert to normal

• Money – Covers money kept at safe or strongroom, Money kept at counter, Money in transit between premises and bank, Personal assault to person or persons carrying money

• Personal Accident - Personal Accident provides coverage for the following related to staff employment:

- Death following only an accidental injury

- Permanently disability following accidental injury

- Medical expenses following accidental injury

• General & Product Liability - Covers liability to customers during the operation of premises:

- Liability consequent from serving food and drinks

- Cost of defending claims

- Liability for spreading fire to surrounding premises

Exclusions

As per standard policy terms and conditions.