Hotel and Motel Insurance

Now is the time to evaluate your insurance package. With the tight economy and disruption in the hospitality industry you should have scalable insurance products and an agency that understand what your changing needs and can find you insurers that will work with you. That is why calling DRickard Insurance today is a great idea. What percentage of savings is worth calling 607-843-8860?

When purchasing insurance consideration needs to be given the specific needs of your business including what makes you different from your competitors. With your help we can build insurance packages unique to your business needs with appreciation for budget restrictions.

DRickard insurance approaches your Hotel/Motel insurance needs with many insurers' products. This means you are given options and choices to make you a satisfied client.

The types of coverage that may be available and concerns depending on the specific situation*.

• Property Coverage
• Up to Special Form Replacement Cost Coverage on your home and related private structures
• Replacement Cost coverage for your personal and business use contents
• Antiques and Fine Art Coverage for those special items that you have special values for
• Agreed Value Coverage for items that you want to be certain of what amount they are insured for
• Special causes of loss on Personal and Business Personal Property
• Ordinance of Law
• Mechanical Breakdown
• Coverage for the non-owned personal property you may become responsible for
• Personal Property of Guests
• Loss of Use Coverage
• Additional Living Expenses
• Loss of Use and Rents
• Additional Business Expenses
• Flood Insurance
• Liability Coverage
• Comprehensive Personal Liability
• Commercial or Business General Liability
• Premises and Location Specific Liability
• Special Events Liability
• Completed Products and Operations for the food served
• Advertising and Personal Injury Liability
• Medical Expense Benefit for guests
• Liquor Liability
• Busies Auto Insurance
• Payment plans are available on a case by case basis

*Please note that not all types of coverage will be available to every insured on every policy. In some cases it may take multiple policies and insurers to create your desired insurance package. Each individual policy must be referred to for specifics of coverage provided.