Hotel Property
Risk profile for a hotel property (accommodation, food and beverage, conference/event operations): the risk attributes typically assessed in underwriting and the resulting commercial insurance programme architecture.
Risk picture
Hotel properties combine an occupied sleeping-risk building (life-safety critical given guests unfamiliar with the premises, often overnight and in some cases impaired mobility) with commercial kitchen, laundry, spa/wellness and conference or banqueting operations that each carry their own fire, liability and business interruption exposure. Fire is the most severe loss scenario given the sleeping-risk classification and the reputational and life-safety consequences of an evacuation, while guest and visitor liability (slips, food-borne illness, pool and spa accidents) drives frequency. Seasonality, event cancellations and high staff turnover in shift-based operations add revenue-volatility and operational-continuity dimensions that are less pronounced in purely industrial risk profiles.
Risk attributes to capture
The table below is generated from this profile’s linked risk attributes and grouped by category; see the individual attribute pages for underwriting logic, evidence requirements and mitigation measures.
Coverage architecture
Employee accident cover is compulsory in Switzerland (UVG) wherever staff are employed, and general/hotelier’s liability responds to guest and visitor bodily injury and property claims arising from accommodation, food and beverage and event operations, including guests’ property in the hotelier’s custody. Property all risks covers the building, fixtures and contents, and business interruption is aligned to the same perils and to the hotel’s actual indemnity period given seasonality effects on revenue. Event cancellation cover is relevant wherever conference, banqueting or wedding business represents a material share of revenue, and cyber cover is increasingly warranted given the guest payment and personal data processed through booking and property management systems.
Prevention
Loss prevention priorities are a fire protection concept aligned to the sleeping-risk occupancy classification, including fire compartmentation between guest floors, kitchen and back-of-house areas, and a documented evacuation and fire safety management programme with regular fire drills and staff training given high shift-based turnover. Kitchen fire suppression, laundry and spa-specific hazard controls, and a structured safety training programme for housekeeping, food and beverage and maintenance staff round out the core measures.
- Kind
- Object
Risk attributes to capture
Building
- Building Floor Area — Building floor area records the footprint and total gross floor area of a building, and is queried in property proposal forms to size fire compartments, accumulation and probable maximum loss.
- Construction Class — Construction class categorises a building by the combustibility and fire resistance of its structural materials, and is queried in property proposal forms to gauge fire severity potential and set base rates.
- Occupancy Type — Occupancy type records the actual use of a building or premises, and is queried in property and liability proposal forms because it determines the hazard class applicable to fire, business interruption and third-party risk.
- Fire Compartmentation — Fire compartmentation records how a building is subdivided into fire-resistant sections, and is queried in property proposal forms to assess how effectively a fire can be contained before it spreads.
Operations
- Shift Operations — Shift operations record whether a production or processing site runs single, double, triple or continuous shifts, as this pattern drives supervision levels, equipment wear and the frequency of hazardous shutdown and start-up events.
People
- Number of Employees — Employee headcount records the total number of persons employed by the policyholder, used to size exposure for liability, accident and group health underwriting and to benchmark rates per employee.
- Safety Training Programme — Safety training programme records whether the policyholder runs a structured, documented occupational safety training scheme for employees, a key mitigation factor in accident and liability underwriting.