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)