The ARM Hotel & Resort Liability insurance facility has been developed in consultation with various regional Caribbean Tourism Associations and offers exactly what hotels and resorts have identified as areas needing coverage.
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Hotel & Resort Liability
HIGHLIGHTS
- Insured by leading A+ rated global underwriters
- Policy limits ranging from USD 1 million to as high as USD 100 million in coverage
- Rates/premium tailored to each hotel’s unique set of circumstances/activities, resulting in the most competitive premiums
- Ongoing risk assessment, including reviews of potential risks of the various contracts hotels may enter into with tour operators, concessionaries and suppliers
- Online application and administration
TOTAL PROTECTION
The Hotel & Resort Liability Insurance is suitable for hotels, holiday resorts and boutique hotels and includes:
- Coverage for food & drink poisoning of guests, on and away from the hotel premises (i.e. excursions, catering, or catering sub-contractors employed by the hotel)
- Coverage for injury to guests arising from the provision of first aid services
- Protection from automobile liability claims on a contingent basis for owned and non-owned vehicles, in case of hotel caused injury or damage to guests or their property
- Coverage for both water sports and watercraft provided by or on behalf of the hotel
- Extended definition of bodily injury
- Coverage for recreational activities such as site seeing, golf tours, excursions, horse riding, gymnasiums, spas, therapies and massage provided by or on behalf of hotel
- Coverage for the hotel if liable for the actions of its concessionaries
- Coverage for loss or damage to property belonging to hotel guests
- Coverage for Advertising liability
- Coverage for valet parking Worldwide jurisdiction (including USA)

Tailor Made
Complete liability protection developed to meet specific liability cover requirements of Hotel and Tourism Association members in the Caribbean region.