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.
DocumentsRequired
• Company/Entity Registration Certificate
• Property Registration
• Pictures of items declared for insurance
• Valuation Report (If Available)
How to Claim
Email us
Email to us on
claims@dhivehiinsurance.com
sales@dhivehiinsurance.com
info@dhivehiinsurance.com