Partner for BiH
Tourism & Hospitality
Tourism, the hotel industry, and hospitality bring together a broad range of activities — hotels and accommodation, restaurants and catering, travel agencies and tour operators, and tourist attractions.
The sector is highly sensitive to seasonality, fluctuations in visitor numbers, and external events, while carrying a constant responsibility for the safety of guests, food, and property. Guest accidents, equipment failure, business interruption, refrigeration breakdown, or damage to a property can seriously threaten revenue and reputation.
VIPOX analyses the specific risks of hospitality and tourism operations and prepares an insurance programme that protects property, guests, employees, and business continuity.
Who It Is For
These solutions are intended for hotels and accommodation providers, restaurants and catering establishments, travel agencies and tour operators, tourist attractions, and leisure service providers. We tailor the programme to the size and seasonality of each operation — from a family guesthouse to a large hotel group.
Risks We Cover
We cover property and business interruption, liability towards guests and third parties, food and beverage liability, refrigeration and stock spoilage, group personal accident and travel insurance, damage from natural perils, tour operator liability and travel guarantees, and cyber risks over booking and payment systems.
Practical Examples
A guest slipping in a hotel or food poisoning in a restaurant can trigger a claim covered by liability insurance. A fire, flood, or installation failure can close a property mid-season and cause a major loss of revenue, and a cancelled trip or an insolvent partner can hit an agency — risks covered by property, business interruption, and travel guarantee insurance.
Our Approach
As an independent broker, we take into account the seasonality and specifics of each operation, select insurers with the relevant experience, negotiate terms tailored to the actual exposure, and manage the entire claims notification and recovery process. With a sound knowledge of the domestic market and dedication to every client, our partnership with AON for BiH also provides access to the international market for larger hotel groups and complex insurance programmes.