Every business has exposures and risks that threaten its viability. Lyman & Sheets has more than a century of experience defining risk and recommending specific coverage that fits both your business and your budget.
Lodging
Including: Hotels • Inns • Resorts • Ski Lodges • Spas • Water Parks
Lodging places provide sleeping and eating facilities to their patrons. Some also offer recreational and exercise facilities as well as meeting rooms and convention arrangements. Property coverage is necessary because of high building and business personal property values at risk that are subject to a number of potential causes of loss, chief of which is fire due to cooking operations. Liability insurance is absolutely necessary because of the high volume of guests, with potential for losses ranging from slips and falls to food consumption to loss of life in the event of a fire and the need to vacate the premises. Other liability concerns to consider are the additional hazards of swimming pools and exercise rooms. Crime losses involving guest property and theft of inventory and supplies must also be considered.
Coverage Applicable: Liability, Property, Loss of Income, Equipment Breakdown, Commercial Auto, Umbrella, Employment Practices Liability, Crime Coverage, Workers’ Compensation, Life & Health Coverage