Hotelkeepers and Restaurateurs
Who is it designed for
For hotelkeepers and restaurateurs, performing business activity in accordance with the law requirements to the respective type of activity.
Insurance cover
BASIC COVER
- All the sums that the Insurant is lawfully liable to pay to guests, clients and visitors as a compensation for occurred within the insurance term:
- death, bodily injuries or sickness resulting from an accident or food or drink poisoning on the territory of the hotel and/or the restaurant;
- full loss or partial damage of movable property (without motor vehicles and theft of belongings) caused by performing the activity in the hotel and the restaurant.
- Expenses for witnesses and expertise on civil lawsuits against the Insurant in relation to the risks covered by this insurance.
- Expenses advisably made by the Insurant for limiting or minimizing the damages from occurred insurance event.
ADDITIONAL COVER
- Liability for property damages resulting from burglary of personal belongings from the rooms of the hotel guests.
- Liability for damages on the motor vehicles of the hotel guests while they are on the parking places or in the garages, belonging to the Insurant.
Territorial scope
This insurance shall cover only the damages, caused on the territory of the Republic of Bulgaria.
Sum insured
For the basic cover limits of liability shall be agreed per person for one insurance event and in total for all the insurance events within the insurance term in a proportion defined by the Insurer.
For the risks from the additional cover separate limits of liability shall be agreed according to the tariff of the Insurer and depending on the capacity and the category of the site.
Insurance premium
The insurance premium shall be calculated on the basis of the expected turnover within the insurance term that is to be declared by the Insurant and depending on the limits agreed on the basic and the additional cover. The premium could be corrected by additional risk factors.
Conclusion and term of the insurance
The insurance shall be concluded on the grounds of a detailed proposal, filled in by the Insurant, and against payment of the insurance premium or the first installment of it (in case installment payment has been agreed). The insurance policy shall be issued on the grounds of the proposal for the period agreed.
When is the insurance indemnity paid
The insurance indemnity shall be paid, when after receiving a claim in writing, the grounds and the size of the damage caused by the Insurant are proven.
