Hotel Keepers Liability Insurance

Most Indian policies cover guest property only if it was kept in a locked safe provided by the hotel or deposited at the front desk. Insurers usually have a “per-guest limit” and a “per-article limit” for such claims.

Valet parking is a high-risk area in India. You must ensure your policy includes the “Valet Parking Extension.” This covers the hotel’s liability if a vehicle is damaged or stolen while in the custody of your drivers or parked in your designated lot.

Yes. If a guest is injured due to a slippery pool deck or faulty gym equipment, the policy covers medical expenses and legal compensation. Note: Insurers often mandate that you have qualified lifeguards and trainers on duty for this cover to remain valid.

Yes, provided you have the “Food and Beverages” extension. In India, this is vital for hotels that host weddings and large banquets, where a single batch of bad food could result in dozens of claims.

If the surge was due to faulty hotel wiring or negligence in maintaining the electrical system, the policy will cover the damage. However, general “voltage fluctuations” from the city grid might require a specific add-on.

If your hotel has a large convention center or handles hazardous chemicals (like large-scale laundry or pool chlorine), you may need a mandatory policy under the PLI Act, 1991. This hotel keeper’s policy can be structured to satisfy those legal requirements.

This policy covers your liability to the guest. If the guest is at fault, your Fire Insurance would typically handle the building damage, and the insurer may later seek recovery from the guest. This policy specifically protects you if the guest sues the hotel for negligence leading to the fire.