Motel Insurance Quote

A breakfast and Bed or motel has to encounter a number of challenges. They need to be covered in case one of their staff or guests gets injured on their premises. If there is a natural calamity like a storm or fire or flood and they shut down the business for a while, the losses that they incur will also have to be taken care of. The building (motel premises), the furniture, or the business money on it's way to the bank or business money that is kept on the premises all these need to be thought off as well.

Business protection is provided through a motel insurance to the owners, managers and staff of he hotel. Keeping all this in mind, an owner needs to think of what he wants covered. A motel insurance quote covers flood, wind, builder's risk, machinery and boiler, earthquake, crime, interruption in business, expenses for cleaning up after a flood, improvements of the property pollution related liability and pollutants storage, in the property section. Most motels can also avail the umbrella insurance not only for motels but for the owners as well. Such a coverage is in millions for one person and can include a worldwide protection which is a special coverage. The motel insurance quote could include guestrooms, furniture, linen. damages or employers' liability, including legal expenses and cost involved if an employee gets injured on the premises.

While giving you a motel insurance quote, the contents of the business will be valued, the rebuild value of the property will also be looked at, checks will also be carried out to see if there was any damage, disability, injury or loss to the business in the last three years. while giving information, the business needs to be completely honest or else it could lead to partial or complete invalidation of the policy. The quote process itself is quite simple and is divided usually into two parts - questions related to you and your business and a quote which is basic and has options to increase or add cover levels depending on individual needs. Once you decide to buy the policy, you have the option of paying either monthly or annually.