Hotel & Resort Liability

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.


  • 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


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

Tailor Made

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