Is it necessary to contract insurance for hotels in the Canary Islands?
Hotels are exposed to endless unforeseen situations that, if they did not have adequate insurance protection, would mean the loss of income and profits for the hotel company. Our canarian insurance brokerage perfectly knows the insurance needs of the hotel sector in the Canary Islands. We carry out a complete program of insurance for hotels in Tenerife and Las Palmas.
What insurance does a Hotel in the Canary Islands need?
Mainly, a Hotel must have a Civil Liability policy to cover customer claims, and a Damage policy that covers any unforeseen event. At Canarisk, we are specialists in insurance for hotels in the Canary Islands. With our risk audit service, we advise companies in the hotel sector in Tenerife and Las Palmas. designing the insurance they need.
What coverage does a Hotel in the Canary Islands need?
A Hotel must have a damage and CR policy with extensive coverage and drawn up after a detailed analysis of its risks. In general, hotels and any tourist establishment in the Canary Islands need a All Risk Policy Hotels with the following coverages:
- All Risk Material Damage Guarantee. The Hotel must have total protection and have all unforeseen accidental events covered in the policy.
- Theft of hotel goods
- Theft of customer property
- Electrical damage
- Breakdown of machinery and electronic equipment
- Impairment of refrigerated goods.
- loss of benefits, for the partial or total stoppage of the activity.
What does Hotel Civil Liability insurance cover?
It is very common for hotels to receive damage claims from their guests: falls in the facilities or food poisoning are the most common. With a Civil Liability insurance for Hotel, the company has a legal service that will analyze the existence of the Hotel's responsibility for the facts that are claimed, and if applicable, will assume the corresponding compensation or the legal defense of the claim.
What is the All Risk Hotels insurance for?
Our Hotels in the Canary Islands are exposed to unforeseen events. Unforeseen damage of a certain size can lead to the partial or total stoppage of hotel activity, with the economic consequences that this would entail. For this reason, it is essential for hotels to have a All Risk insurance for hotels in Tenerife and Las Palmas.
Is it mandatory to take out the Hospitality Labor Agreement insurance?
In the Canary Islands, the labor agreements of the province of Santa Cruz de Tenerife and Las Palmas de Gran Canaria, include the obligation of companies dedicated to the hospitality sector to take out insurance with guarantees for death and disability for any reason. The insured capital differs from one province to another: in Tenerife, €15.000; in Las Palmas, €12.000. In our insurance brokerage we help you to contract the Hospitality Agreement insurance in Tenerife and Las Palmas.
Can I insure a house for tourist rental?
The houses or apartments that are destined to be rented for vacations, it is necessary that they have the best insurance. Mainly, they need Civil Liability insurance to deal with guest claims, such as Damage to cover unforeseen events suffered by the home. Contact our team of corridors in Tenerife and Las Palmas, and we explain how to contract the best tourist home insurance in the Canary Islands.
Is it necessary to take out insurance to organize an event?
Depending on the type of event and the place where it takes place, you may find yourself required to take out insurance Civil liability for damages to third parties. It is evident that the risk of damage that third parties may suffer during the development of an event of any kind (parties, cultural events, sports, etc.) is very high. In such a way that, although it is not mandatory, we will always recommend hiring a RC insurance for the organization of events in Tenerife and Las Palmas.
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