Protect Your Livelihood
As the owner of a hotel, motel, bed and breakfast (B&B), inn or other commercial lodging, you face unique risks on a daily basis. In addition to providing boarding, your businesses most likely incorporates multiple hospitality services like recreation (swimming pools, tennis courts, ect.), food service (restaurants and bars), transportation (limo and shuttle) and more. All of these functions require specialized insurance coverage to keep you fully protected from liability exposure. At Child-Genovese Insurance Agency Inc., we been serving New England’s diverse coverage needs for over a century with products like hotel insurance in Massachusetts, Rhode Island and throughout the region.
Like all businesses, insurance for hotels should include commercial property, general liability and business interruption coverage. In addition to protecting your building from fire, vandalism and more, your commercial property component can also cover furnishings, perishables and other valuable inventory. If the volume of your business corresponds with annual holidays and school vacations, we recommend adjusting this coverage to include specific language about seasonal stock levels as well. For example, if you host a Thanksgiving dinner, you’ll want to make sure your surplus of turkeys is insured. It is also advisable to expand your general liability as much as you can reasonably afford. Too often, businesses discover their policy is inadequate only after a guest has an accident like slipping in the lobby, shower or elsewhere on the premises. If forced to pay out of pocket, recovery from events like this can be hard to impossible. The lifeblood of your business is capital. If a covered event forces you to cease operations, business interruption coverage can keep you in the black. Our team of professionals at Child-Genovese Insurance Agency can tailor coverages that meet your risk profile and budget.
Please contact us to receive a free quote for hotel insurance in Massachusetts!
Call 781.749.7566 today!
As a multifaceted hospitality business, your hotel is susceptible to risks that require special coverage. If your hotel has a bar, you’ll need liquor liability insurance to protect you from cases of drunk driving, assault, alcohol poisoning and more. In the Commonwealth, a minimum level of this coverage in order to obtain a license to serve. We recommend going beyond this minimum requirement for more complete protection. Another important component to consider is premise pollution liability. If guests become sick in your accommodations due to mold or other impurities, this coverage will help compensate them. If you use shuttles, vans or limousines, we can also bundle commercial auto coverage into your package of hotel insurance in Massachusetts.
These are just a few considerations to make when shopping for hotel insurance in Massachusetts. Discuss your options with our professionals at Child-Genovese Insurance Agency Inc. Call 781.749.7566 or email info@cgiins.com to get started.
Our Business Insurance Coverage Options Include, But Are Not Limited To...
Cyber Liability Insurance
Designed to help your business mitigate risk exposure by offsetting costs involved with recovery after a cyber-related security breach or similar event.
General Liability Insurance
Can protects you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.
Commercial Auto Insurance
Liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business.
Directors & Officers Liability Insurance
Protects against losses or advancement of defense costs in the event of a legal action brought for alleged wrongful acts in their capacity as directors and officers.
Workers Compensation Insurance
Can help pay for medical expenses and missed wages for employees who are hurt on the job.
Commercial Package
Combines coverage for multiple perils, such as liability and property risk.
Business Personal Property
Protection for building, equipment, fixtures, furniture, merchandise, etc.
Our most important goal is to serve our clients and to make sure that their coverage protects them to the fullest extent at their time of need.
- William Genovese, President
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