Comprehensive General Liability Insurance for Hotel & Restaurant

Comprehensive General Liability Insurance for Hotel & Restaurant: Inclusions

The comprehensive general liability policy provides coverage for the following.

• Any liability arising within the premises of the policyholder shall be covered under a general liability policy.
• Any liability arising due to the product of the insured shall be covered under a comprehensive general liability policy.
• Any damage or injury caused to a third party due to fire in the course of business operation shall be covered under the comprehensive general liability policy.
• Any medical expenses in case of an accident shall be covered under a comprehensive general liability policy.
• Any personal injury such as reputation injury caused to a third party due to the advertising method of the policyholder shall be covered under a comprehensive general liability policy.
• Any case filed by a third party, such as the case of harassment or discrimination or segregation shall be dealt with under the comprehensive general liability policy.
• Trade breaches shall be covered under a comprehensive general liability policy.

Comprehensive General Liability Insurance for Hotel & Restaurant: Exclusions

A comprehensive general liability policy shall not cover the following risks.

• Any intentional injury inflicted on a third party shall not be covered under the comprehensive general liability policy.
• Any deliberate attempt of the policyholder shall not be covered under the comprehensive general liability policy.
• Any loss or damage arising due to the pollution shall not be covered under the comprehensive general liability policy.
• Any property damage arising shall not be covered under the comprehensive general liability policy.
• Any product damage shall not be covered under a comprehensive general liability policy.
• Any work-related damage shall not be covered under a comprehensive general liability policy.
• Any loss or damage arising due to war shall not be covered under the comprehensive general liability policy.
• Any loss or damage that arises due to a nuclear explosion shall not be covered under a comprehensive general liability policy.

Comprehensive General Liability Insurance for Hotel & Restaurant: Add-ons

The policyholder may extend the policy coverage by adding the following.

• Loss or damage caused due to an act of god
• Pollution extension
• Personal injury or reputational damage to the third party
• Medical expenses incurred by the third party

Comprehensive General Liability Insurance for Hotel & Restaurant: Claiming Process

• The policyholder must inform the insurer upon acknowledging the damage or loss caused to a third party.
• The policyholder must file a claim by filing the claim form.
• The claim form can be issued from the insurer.
• The policyholder must provide the required documents asked by the insurer.
• A surveyor shall be appointed by the insurer in order to analyze the extent of the loss.
• The surveyor shall investigate and make a report.
• He shall submit it to the insurer.
• On the basis of the report submitted by the surveyor, the insurer shall either deny or accept the claim.

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