What is the Ocaso SMEs Hotels insurance?

This insurance policy has been especially designed for hotels, hostels, paradors, aparthotels and rural houses, and provides protection for the most common risks these establishments tend to face, such as events involving the disappearance of guests’ personal belongings or food poisoning.

What are its guarantees?

As with the Ocaso SMEs insurance, this policy covers damage caused by fire, smoke, floods, collision of vehicles, sound waves, acts of vandalism, damage caused during the course of legal strikes, spills from automatic fire extinguishing facilities.

However, it also provides specific guarantees such as compensation for the disappearance of cash and jewellery deposited in the safe deposit box of the rooms, luggage, due to food poisoning of the guests or due to damage caused to garments delivered to the laundry service.

What are the main advantages?

Specific guarantees

This insurance includes a series of specific guarantees for this type of establishments, with which you can focus on your responsibilities towards your guests without having to worry about any risks that may occur.

Optional guarantees

This insurance will also allow you to take out a series of optional guarantees based on the insurability needs of your hotel, including material damage due to broken windows or mirrors, damage caused by water, theft and burglary, civil liability, claims for damages and loss of income, electrical damage caused to computers, deterioration of goods in cold chambers, transport of goods or aesthetic repair.

Guarantees

Standard Cover

Material damage insured
Material damage insured
Fire, explosion and lightning Smoke Damage Vehicle and aircraft impact Sonic waves Acts of vandalism, legal strikes and civil commotion Flood Leakage from automatic fire extinguishing equipment Rain, wind, hail and snow
Insured expenses
Insured expenses
Extinguishment of fires Salvage, demolition and rubble clearance Replacement of files, moulds and dies Licence expenses, permits and professional fees Refilling of fire extinguishing equipment
Other insured risks
Other insured risks
24 hours assistance Replacement cost as new Automatic revaluation and indexing of sums insured Automatic cover up to 10% Extraordinary risks

Specific Cover

Specific
Specific
Cash and jewellery deposited in the safety deposit boxes in the rooms Baggage Sanitary ware Food poisoning Damage to clothes taken to the laundry

Optional Cover

Insured damage
Insured damage
Breakage of panes, mirrors, glass and signs Water damage including tracingss and repairing the breakage Theft and robbery Public liability, legal costs, deposits and bail Claims for damages Loss of profits
Other insured risks
Other insured risks
Electrical damage Damage to computers and electronic equipment Deterioration of merchandise in refrigerated rooms Transport of merchandise Cosmetic repair