With so many customer’s coming into your hotel each day, general liability is a must. This insurance helps protect your motel from liability if something goes wrong. Whether a customer is injured at your hotel or their car or other property is damaged in some way, general liability covers those damages.
General liability protects you from customer liability due to products you offer or sell. If the complimentary shampoo at your hotel causes a woman’s hair to turn green she may sue your company. General liability pays for those and similar types of damages.
A business owners insurance policy or BOP provides you with general liability plus property protection.
BOP covers the physical structures of your business. The hotel building itself for example, and your outdoor pool furniture is protected by loss with a business owners policy.
The physical assets inside your motel are covered as well. Beds and chairs, refrigerators, carpeting, wall art and so on. A BOP protects you from the loss of these items in addition to any improvements or other decor and furnishings you may have in place.
The business owners insurance policy also helps protect you from losses of intangible business assets. The valuable papers that you keep in the motel offices for example, and the electronic data files you keep stored on your computer systems.