This type of insurance is required in most jurisdictions if you have employees. It provides benefits to employees who are injured or become ill while performing their job duties. It covers medical expenses, lost wages, and rehabilitation costs.

If your hotel experiences a covered loss, such as a fire or natural disaster, and is temporarily unable to operate, business interruption insurance helps cover lost income and ongoing expenses during the downtime. It ensures that you can continue paying bills, salaries, and other financial obligations while your hotel is being restored.

Non-profit organisation often hosting events such as fundraisers, workshops, concerts, or sports activities. Event insurance provides coverage for potential liabilities, accidents, property damage, or event cancellations. It may also include coverage for event organizers and volunteers.

This insurance protects the community center’s board members, directors, and officers from legal claims alleging wrongful acts, errors, or omissions in their management decisions or actions. It covers defense costs, settlements, or judgments arising from these claims.

If organisation is handling sensitive data, including personal information of members or participants. Cyber liability insurance safeguards against data breaches, cyberattacks, or other cybersecurity incidents. It helps cover costs associated with data recovery, legal fees, notification to affected parties, and potential liability claims.

If your hospitality place includes a bar or offers alcohol service, this is essential. It protects against claims resulting from accidents or injuries caused by intoxicated guests. This coverage can help cover legal costs and potential settlements or judgments.

If your hotel owns vehicles for transportation services or other business purposes, commercial auto insurance is necessary to protect against accidents, property damage, or injuries caused by the vehicles.