Resort hotel associations are responsible for a number of hotel operations on a daily basis. While you may place a lot of focus on the comfort and experience of your guests, there are many instances in which you may need liability coverage. With so many activities and people moving around in one space, it can be difficult to decipher all the many ways you could be held liable in an unfortunate situation. Insurance programs for resort hotels have plenty of coverage options you can consider when building the right policy for your association.
Employees are responsible for many of the moving parts in a hotel, and workers’ compensation can help your staff get the care they need in case of an accident. The faster they recover, the faster your hotel operations can return to order. Without this coverage, losing staff to illness or injury could negatively impact the hotel’s performance. In case of a lawsuit, Directors and Officers liability insurance can protect board members. With the many activities going on, people passing through and the number of jobs that need performing, your hotel could be at risk for a variety of claims. There are other coverage options, like crime insurance, umbrella liability insurance, and cyber liability insurance that can help protect your hotel association. If you’re unsure about the type of insurance programs for resort hotels you need, an experienced insurance professional should be able to accurately assess your risks.