As the list below shows, Selective’s program for hotels offers a wide array of coverages to meet your specific needs. And many coverages are built in at no additional cost. Please contact your Selective agent for more information.
Property
- Guests’ Property On Premises (including safe deposit box)
- Accounts Receivable, which provides coverage if your records are destroyed and you are unable to collect payment
- Credit Card Slips
- Accidental Discharge of Automatic Cooking Protection Systems
- Valuable Papers and Records, which will pay you the cost to reproduce papers or records that are damaged or destroyed
- Outdoor Signs, Fences and Landscaping
- Ordinance or Law, which includes protection for your undamaged building, increased construction costs and demolition costs
- Spoilage of Refrigerated Property in the event of a power failure
- Extra Expense Insurance to help cover costs over and above normal expenses if you’re forced to rent additional equipment or space to restart or continue your operations as a result of an insured loss
- Equipment Breakdown should an electrical or mechanical breakdown result in property damage
- Computers and Media
Liability
- Bodily Injury and Property Damage to help cover claims arising from your business operations
- Personal Injury Protection against claims from libel, slander, invasion of privacy and false arrest
- Advertising Injury Liability, which helps protect you against claims that could arise from your advertising program
- Contractual Liability for oral or written contracts in which you become involved
- Medical Payments to help cover payments arising from injuries to others that occur on your business premises, or as a result of your business operations
- Fire Damage Legal Liability, including fire, lightning and explosion
To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:
- We offer you many options to individualize your program, such as:
- Reservation and Wake-up Service Liability
- Liquor Liability
- Workers Compensation
- Commercial Automobile Coverage – when purchased, the program automatically provides the following:
- Blanket Additional Insureds
- Hired Car Physical Damage
- Lease Gap Coverage (not available in New York)
- Crime Insurance
- Fidelity Bonds
- Commercial Umbrella
- Wide Range of Deductibles
When you purchase insurance from Selective, you get more than just a policy. Our Safety Management team offers a wide array of value added services you need to help create a safer environment for your employees and customers and to help you manage your insurance costs by reducing claims.
- Best practices assessment/gap analysis
- Contractual liability consultation
- Customized workers compensation cost containment
- Driver and fleet safety programs
- Exposure reduction consultations
- OSHA 30-hour training
- Premises liability reviews
- Regulatory guidance
- Safety assessment and benchmarking tools
- Sprinkler system evaluation and analysis
- Supervisor accountability programs
- Thermographic infrared surveys
For more information about Selective's Safety Management services, click here.