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This type of insurance provides coverage for legal liabilities to third parties for bodily injury or property damage caused by the insured entity. In hospitality, it can protect from claims resulting from accidents occurring on the business premises.

Covers damage to or loss of the business's property, including buildings, equipment, and inventory. For hospitality businesses, this can safeguard against risks like fires, storms, or theft.

Protects a business's income stream if operations are halted due to a covered cause, like a fire or natural disaster. In hospitality, this ensures continued cash flow even when the business can't operate normally.

Provides coverage for claims of bodily injury or property damage caused by intoxicated patrons. Crucial for hospitality businesses that serve alcohol, as it helps mitigate the financial risks associated with over-serving.

Covers liability for injury or damage caused by products sold by the business. For hospitality entities, this can relate to food items that might cause illness or injury.

Insurance that covers medical expenses and a portion of lost wages for workers who get injured or sick on the job. In the hospitality industry, it helps ensure that employees are protected in case of workplace accidents.

Provides protection for vehicles owned by the business against damage and liability coverages. For hospitality businesses with transportation services, this insures company vehicles such as shuttle buses or delivery vans.

Offers additional liability coverage beyond the limits of other policies. This type of insurance is beneficial for hospitality businesses that face high liability risks and need more coverage than standard policies provide.

Covers financial losses resulting from cyber incidents like data breaches or cyberattacks. Hospitality businesses that handle sensitive customer data, such as credit card information, can benefit from this protection.

Provides coverage for claims arising from environmental incidents such as pollution or contamination. Hospitality entities with risks related to waste disposal or hazardous materials can secure themselves with this insurance.

Also known as errors and omissions insurance, it protects against claims alleging negligent professional service or advice. For hospitality consultants and advisory services, it safeguards against the financial implications of such claims.

Offers financial protection to the company's directors and officers against claims resulting from managerial decisions that have adverse effects. This insurance is vital to protect personal assets of hospitality leaders.

Provides coverage against claims made by employees alleging discrimination, wrongful termination, harassment, and other employment-related issues. Helps hospitality businesses mitigate the risks associated with human resource challenges.

Protects a business from losses due to business-related crimes such as theft, robbery, or fraud. In hospitality, this can cover losses from employee theft or customer fraud.

A form of insurance that protects against losses caused by fraudulent acts of employees. For hospitality businesses, fidelity bonds can insure against losses stemming from employee dishonesty or theft.

Health insurance coverage provided to employees, offering a package of health benefits at a reduced cost. In the hospitality industry, it can be an important part of an employee benefits package to attract and retain quality staff.

A contract among three parties – the obligee, the principal, and the surety – that guarantees the principal will perform contractual obligations to the obligee. In hospitality, this ensures the fulfillment of contracts such as with suppliers or for construction projects.

Covers liability for automobiles that are hired (like rental cars) or not owned by the business (like employees' personal vehicles) when used for business purposes. Hospitality businesses that require employees to travel could find this insurance necessary.

Offers protection from damage caused by flooding. Given that standard property insurance often excludes flood damage, hospitality businesses in flood-prone areas should consider this additional coverage.