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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.
Medical limits on a business insurance policy refer to the maximum amount of coverage that the policy will provide for medical expenses. These limits may apply to a variety of medical expenses, including hospital stays, surgeries, medication, and other medical treatments. The specific medical limits on a business insurance policy will vary depending on the specific policy and the needs of the business.
An Umbrella will 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.
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
D&O insurance is typically purchased by the company and covers the directors and officers for their personal financial losses resulting from claims made against them in their capacity as directors and officers. The policy may also cover the company for the cost of defending such claims.
Liquor liability insurance can cover a range of potential liabilities, including damage to property, personal injury, and medical expenses. It can also cover legal fees and settlement costs if a business is sued for serving alcohol to a visibly intoxicated person or a minor.
Let Cogswell Insurance Agency 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.