Specialist hotel insurance +41 21 888 31 11 info@hotelas.ch
Solutions

Solutions for every risk your hotel faces

From protecting the building to protecting your directors, we build a coherent insurance programme tailored to the size, positioning and ambitions of your property.

Comprehensive hotel risk cover

A policy designed for hotel operations: it brings the risks of the building, furniture, stock and activity together in one readable programme.

In practice

  • Property: fire, water, theft, breakage
  • Business interruption after a loss
  • Valuables, stock and guests’ belongings

Employee benefits & staff

Your staff are your first resource. We structure compliant and attractive social cover, including for seasonal employees.

In practice

  • Occupational pension (BVG/LPP)
  • Accident insurance (UVG/LAA) and top-up
  • Sickness daily allowance and executive plans

Payroll management

We lighten your administration around social insurance and make sure your payroll statements are compliant.

In practice

  • Payroll statements and declarations
  • Social contribution checks
  • Liaison with fiduciary and pension funds

Public & professional liability

Liability insurance covers damage caused to third parties by the operation of the business: guests, visitors, suppliers.

In practice

  • Bodily injury and property damage
  • Damage to guests’ belongings
  • Defence against unfounded claims

Key person insurance

The death or incapacity of a key person can weaken the entire business. This cover protects cash flow and the transition.

In practice

  • Capital paid to the company
  • Funding of the transition
  • Reassures banks and partners

Directors’ & officers’ liability (D&O)

Directors can be held personally liable for management decisions. D&O covers the defence and, depending on the policy, any compensation.

In practice

  • Defence and legal costs
  • Claims by the company, shareholders or third parties
  • Protection of personal assets

Fire risk audit

An on-site audit to assess existing protections, reduce the likelihood of a loss and limit its consequences.

In practice

  • Site visit and equipment checks
  • Kitchens, technical installations, evacuation
  • Prioritised action plan

Cyber risks

Online bookings, payments, guest data: a cyberattack can paralyse operations. We assess your exposure and transfer it appropriately.

In practice

  • Crisis management and IT experts
  • Business interruption
  • Liability in case of data leaks

Comprehensive risk management

An overall view of your risks, of what is insured and of what can be reduced or retained – so you can decide with full knowledge.

In practice

  • Risk mapping
  • Prioritisation by impact and likelihood
  • Medium-term insurance strategy

Contract audit

We review your existing policies to spot gaps, overlaps and excessive premiums, then propose concrete improvements.

In practice

  • Critical reading of policies
  • Comparison with the market
  • Quantified recommendations

The information on this page is general in nature and does not replace personalised advice.

A question about your property’s insurance cover?

Let’s talk: we review your situation and reply to you personally.

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