Hotels are one of the busiest centers where many people travel in all units of these places. Due to the possibility of life and financial losses for guests and other people in hotels and residences, managers and owners of these places are looking for an insurance policy to compensate for possible losses. In this article, we want to review the coverage and conditions of insurance policies.
What is a hotel Liability insurance?
Hotel insurance in the form of liability insurance for hotel managers and accommodation facilities, sometimes against workers and employees working in that place, and an insurance policy against third parties who may be present in that place, either as resident guests or as daily visitors.
Hotel managers insurance
This insurance policy is actually the insurance policy of hotel managers for the employees who are working there in different departments. including services, facilities, offices, kitchens, and restaurants, etc.
In this insurance policy, if any personal injury happens to any of the people working in the hotel, it is covered by this insurance policy.
Insurance of hotel managers for guests
Now, if an incident or an accident happens in the hotel and the hotel’s common areas, and the hotel manager is found to be responsible for the incident, compensation will be made by the insurance company according to the damage caused.
Insurance coverage for hotel managers
- Compensation for death and dowry
- Medical expenses per person per accident
- Compensation for the death and disability of any person in any accident
- Financial compensation for each person in each accident
- The maximum liability of the insurer during the insurance period
- The maximum financial commitment of the insured for the duration of the insurance.
The amount of each coverage is activated and covered based on the ceiling included in the insurance policy. The ceiling of coverage is equal to the amount of diat of the forbidden month and the normal month of each year, which is included in the insurance policy.
Places covered in hotel managers’ liability insurance
All the places that belong to the hotel, such as the swimming pool, sports complex, parking lot, etc., are covered by this insurance.
Who are the contacts of hotel insurance?
All owners of hotels, inns, and accommodation units need this insurance policy for the users of these places.
Exceptions to liability insurance for managers of accommodation facilities.
- Conflict and rebellion
- Accidents caused by the danger of swimming pools and saunas
- Accidents caused by the dangers of the sports complex of the residential unit
- Damage caused by the policyholder’s intention and fraud
- Damage caused by a nuclear explosion and radioactive radiation
- Damage caused by war, revolution, rebellion, strike, and other such factors
- Damage caused by violation of government laws and systems
Declaration of liability insurance for hotel managers
If you have a loss in the liability insurance policies of the hotel managers, the policyholder is obliged to notify the insurance company of the loss in writing within 5 days by filling out the claim form and submitting the documents, and filing a case.
Necessary documents for payment of liability insurance for hotel managers
If there is loss of life and there is no death:
The following documents must be delivered to the insurance company by the insured and the injured party:
- Hospital bill
- Bills paid
- Description of the surgery performed
- Summary of the injured person’s hospital case
- Birth certificate and copy of the injured person’s birth certificate
- National card and copy of the injured person’s national card
- Completed “doctor’s certificate” form
- Copy of the original social security list (only for construction projects)
- Shafaha’s insured is informed to go to the insurance doctor for an examination.
- After the examination, the attending physician informs the expert of the claims department in a letter about the amount of the insured defect.
If there is loss of life and death has occurred:
The following documents must be delivered to the insurance company by the insured and the injured party:
- Copy of the original death certificate
- A copy of the original invalidated birth certificate
- A copy of the original submitted by the police force
- A copy of the original of the labor and social affairs inspector
- Copy of the original submission of the forensic medicine (examination of the dead body)
- A copy of the original inheritance certificate
- Copy of the original social security list (only for construction projects)
If the damage is financial:
The following documents must be submitted by the insured and the injured party to the insurance company.
- Damaged ownership documents
- The opinion of the court based on the percentage of fault of the insurer
The process of payment of liability insurance for hotel managers
The process of paying the loss of the hotel professional liability insurance policy, in all insurance companies, starts with the receipt of the claim notification letter from the insured. The insured must report the damage within 5 days after the damage occurred. The procedures for declaring damage and paying for damage are as follows:
- In the first stage, the insured submits the claim notification letter to the liability insurance claims office of all insurance companies. (If the insured wants, he can declare the damage by completing the form “Declaration of damage in liability insurance and special plans”).
The following information must be mentioned in the damage notification:- Full details of the policyholder
- Insurance policy number
- Type of incident
- Description of the incident
- The date and place of the accident
- Full details of the victims in the form of nationality and date of birth
- The received letter (form) is registered and numbered in the secretariat.
- The form “Summary of details of the civil liability insurance case” is completed by the expert of the liability insurance claim department and placed in the file according to the original policy issued.
- The technical expert of the insurance company’s claim unit is sent to the accident site.
- The technical expert of the insurance company visits the accident site and prepares and signs the minutes of the visit. The insured confirms the prepared minutes with his signature in the report sent by the insurance expert.
- The required documents will be informed to the policyholder by letter during the visit or after the visit.
- The insured submits the necessary documents to the liability insurance claims department.
- The damage is determined based on the documents submitted to the damage department and mentioned in the form “Summary of details of the civil liability insurance case”. Calculations of the paid damages are mentioned in full at the bottom of this form.
- The basic information section of the “Premium Payment Inquiry” form is completed by the liability insurance claims department expert and the form is delivered to the insurer.
- After going to the General Department of Accounting and Statistics and submitting the “Premium Payment Inquiry” form, the insured will receive the completed inquiry form for the paid insurance premiums.
- The expert of the loss department checks the liability insurance policies and the damage documents.
- The payable damages are calculated based on the information contained in the “Summary of Civil Liability Insurance Case Details” form of civil liability insurance and also the information on previous payments in Saman’s information system.
- The damage payment remittance is issued in 7 copies, sealed and signed. If the insured wants to receive the payment remittance, he must provide a notarized certificate of payment of damages to the insured (damaged party).
- Two pages of the issued money order and also the form “Mufasahasab (a receipt of payment)” are delivered to the policyholder/insured/legal representative of the insured to submit it to the General Department of Accounting and Statistics to receive his/her loss check.
The rest of the issued remittance slips are distributed as follows:- Sending to the General Directorate of Accounting and Statistics
- Sending to the Department of Statistics and Reliability
- Filing in the insurer’s file
- The following reports are prepared monthly in this unit and sent to the relevant departments:
- General Department of Accounting and Statistics: Monthly claims statistics and copies of claims remittances issued in the month
- General Department of Statistics and Reliance: Statistics of monthly claims payments and copies of remittances for claims issued in the month
- Insurance Policy Claims Monitoring Department: monthly claims statistics and copies of claims remittances issued in the month
Buying liability insurance for hotel managers
To buy hotel managers’ liability insurance, you can register your purchase request in the Time Insurance system. Before buying hotel liability insurance, you can get help from Time Insurance’s liability department experts to provide you with the necessary guidance to compare the prices and coverages of hotel managers’ insurance policies in different companies so that you can choose and buy the best liability insurance policy.