Accommodation establishments face a multitude of risks: property damage, guest injuries, equipment breakdowns, theft, or even business interruption in case of an incident. In an industry where customer experience is paramount and profit margins are sometimes tight, a single unforeseen situation can jeopardize your reputation and profitability.
Insuring a hotel, motel, inn, or guesthouse is not just about ticking a few boxes. It requires coverage tailored to the specificities of your establishment, its size, services, and clientele. This is where the experts at J. Gérard Fortin & Associates come in.
We assist you in identifying your actual risks, negotiating the most suitable protections with our partner insurers, and helping you reduce your insurance costs. This way, you gain the peace of mind essential to focus on what you do best: welcoming your guests in a safe, warm, and professional environment.
Choosing multi-risk insurance for your accommodation establishment is based on a thorough analysis of your needs. Every place is unique, and so is its protection. Whether you manage a roadside motel, a regional inn, or an urban hotel, the risks you face vary greatly.
With the help of J. Gérard Fortin & Associates, you obtain coverage that aligns with the reality of your accommodation, without excess and without blind spots. We assist you in making the right choices to protect both your assets, your income, and your guests’ satisfaction.
To protect the building, furniture, bedding, and essential equipment in case of fire, water damage, breakage, or vandalism.
To cover you if a guest is injured on your property, suffers theft, or experiences property or bodily harm during their stay.
To compensate for lost income if you must temporarily halt operations following a claim.
To intervene promptly in case of malfunction of essential appliances, such as heating systems, air conditioning, or industrial washers.
Some protections include coverage for guests’ personal belongings in case of theft or damage within your establishment.
For inns or guesthouses offering additional activities or services (e.g., excursions, care, meals), this coverage can protect against errors or omissions.
Yes, depending on the insurers, certain criteria related to safety, facilities, or classification may apply. An expert can guide you to ensure you are compliant.
In some cases, it is possible to group several units or sites under the same coverage, which can simplify management and potentially reduce costs.
Basic coverage generally does not include digital risks, but it is possible to add cyber liability insurance if you manage personal data, online reservations, or an electronic payment system.