What are the hotel insurances?

Just need insurance one: property insurance

It is necessary to open a hotel. After the fire, typhoon and flood, the property loss is compensated by the insurance company, so the boss will not suffer losses.

Just need insurance 2: public liability insurance

In response to customer accidents, insurance companies will pay for accidents (such as wrestling and sudden death) or theft of property in hotels.

Recommended insurance-employer liability insurance

Foreign employees refuse to buy social security or have temporary workers, and it is strongly recommended to buy employer liability insurance. In the absence of industrial injury insurance, replace commercial insurance. To the greatest extent, hotel owners will not bear losses because of employees' work-related injuries.

Recommended insurance-business interruption insurance

Natural disasters lead to the interruption of hotel business, and the insurance company compensates for the losses. For example, the Jiuzhaigou earthquake, the Qiandao Lake flood last year, and the typhoon that occurs every year in Zhejiang and Guangdong.

And:

1: public liability insurance for fire: prevention of property loss and personal injury compensation for guests caused by fire 2: elevator liability insurance: prevention of property loss and personal injury compensation caused by elevators owned by hotels 3: personal accident insurance: insurance for employees of hotels 4: property insurance: protection of fixed and current assets owned by hotels.