Demanding customers are a given, regardless if you own a large scale holiday resort or a small restaurant. Specialised insurance products for this industry are available, to provide a seamless risk protection for you and your business. As for any service industry, the third party liability exposure is significant.

Main risks for HoReCa/Hospitality are related to:

• Assets (buildings&content, equipment, machinery)
• Business interruption due to occurence of insured risks
• Property damage/bodily injury to third parties (including production of food/beverages)
• Human resources
• IT & database (cyber attacks/GDPR breach)
• Managerial error

A complete insurance solution should include coverage for:

• Property & Business Interruption Insurance
• Machinery breakdown insurance (technical risk)
• Group life insurance
• Group Health insurance
• Trade credit insurance (TCI)
• Public & Products Liability
• Cyber risks insurance
• D&O insurance