What is covered by General Liability Insurance of Tourist Units?
Civil Liability insurance covers the responsibility of the entrepreneur for compensation claimed by customers, for accidents (bodily injuries or material damage), which may occur during their stay at the business premises, due to wrongful acts, negligence or omissions of himself or of the persons he has in his service and related to the premises and facilities of the business.
The most common causes of accommodation liability claims from our experience are:
Responsibility from the operation of the pool
Food poisoning from consuming food or beverages prepared or sold by the establishment's bar, restaurant, tavern, etc.
Employer liability
Fire liability
Responsibility for the operation of gyms, sports facilities, spas, beauty centers (face or body)
Liability for loss or damage due to theft, personal belongings of customers after a burglary (provided only in hotel units)
Liability of additional lifeguard services provided (for swimming pool).
Liability for the fall of illuminated signs and / or signs placed on the company's premises
Liability for loading and unloading goods within the premises of the company
Responsibility for renovation / maintenance of facilities
Responsibility for the operation of elevators
Responsibility for the execution of repair and maintenance works of the building facilities
The choice of coverage has to do with the type of tourist unit you have (such as Hotel, Rooms for Rent or residence for rent)