Do you need a Hoteliers Combined Insurance policy?
The Hoteliers Combined Insurance Policy is an insurance product that is designed to provide you, as a hotelier in Malta, with all your insurance requirements in one policy, offering the convenience of one renewal date, one document and one premium.
Our message is simple and clear. You need a reliable insurance plan that will protect you in your time of need.
The Hoteliers’ Combined Insurance Policy covers buildings and contents, revenue and liabilities of the hotel as well as other specified contingencies.
The policy has a wide range of covers
- Accidental physical loss or damage to
> Buildings and contents
> Radios, televisions
> Business and trade machinery
> Glass, signs and sanitary fixtures
> Chilled/refrigerated stock
> Stocks in transit
> Machinery, boiler and pressure plant (engineering) - Loss of rent
- Loss of revenue following accidental physical loss or damage
- Loss of revenue following engineering losses
- Loss of book debts
- Loss of money
- Employers’ liability
- Public and products liability
- Motor contingent liability
- Personal accident assault
- Group personal accident
- Fidelity guarantee
THE FOLLOWING ARE NORMALLY INCLUDED AS PART OF THE STANDARD COVER OF THE POLICY
BUILDINGS AND CONTENTS
- A seasonal increase in the stock sum insured by this section of up to 25% for a six week period as from 1 December for each policy period.
- Employees’ effects
- Loss of keys
- Loss of metered water
GLASS, SIGNS, AND SANITARY FIXTURES
- Cost of temporary repairs and / or boarding-up following breakage
- Cost of any lettering or decoration subject to a limit of €232.94 (Lm100) during any one period of insurance
- Accidental damage to goods incidental to the Insured’s Business caused by breakage of glass subject to a limit of €232.94 (Lm100) any one event
CHILLED / REFRIGERATED STOCK
- A seasonal increase in the stock sum insured by this section of up to 25% for a six week period as from 1 December for each policy period.
PUBLIC AND PRODUCTS’ LIABILITY
- All legal costs recoverable by any claimant and any other costs and expenses incurred with the written consent of the Insurers
- Legal liability for loss or damage to the motor vehicles and / or their contents belonging to or the responsibility of guest, customers and visitors, arising out of the use of car park facilities provided by the Insured
MOTOR CONTINGENT LIABILITY
- All legal costs recoverable by any claimant and any other costs and expenses incurred with the written consent of the Insurers
ENGINEERING
- Reasonable additional costs incurred in effecting temporary repair or in expediting permanent repair of indemnifiable damage to Machinery
- The cost of removal of cooling, lubricating or insulating oil, refrigerant or brine for the insured machinery following indemnifiable damage thereto
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