For industries in the automotive and hospitality sectors, having specialized insurance programs is essential to protect against unique risks. Two standout options—Resortguard and Automobile Service Center Insurance—are designed to meet the specific coverage needs of resorts and automotive service businesses.
These tailored programs offer more than standard policies, with broad protection that helps ensure business continuity and peace of mind for owners and operators.
Resortguard Insurance Program
Resortguard is crafted specifically for the hospitality industry, including resorts and hotels. It addresses the wide range of exposures these businesses face by offering a flexible insurance package.
Key Features of Resortguard
Property Protection
This coverage protects resort buildings, contents, and income against losses from fire, theft, storms, or other covered events. Business interruption coverage helps maintain operations during recovery periods.
Liability Coverage
With guests participating in activities and using on-site amenities, liability coverage helps protect against claims of injury or property damage occurring on the premises.
Cyber Liability Insurance
As resorts increasingly depend on digital systems for bookings and guest data, cyber coverage addresses the financial impact of data breaches or cyber-attacks.
Specialized Endorsements
Optional endorsements allow customization of policies to include coverage for golf courses, spas, pools, and more—ensuring protection fits each property's unique features.
Automobile Service Center Insurance Program
The Automobile Service Center Insurance Program is designed for automotive repair shops and service centers, offering protection against the operational and liability risks these businesses face daily.
Key Features of Automobile Service Center Insurance
Garage Liability Insurance
This coverage addresses bodily injury and property damage claims related to the garage’s operations, whether they occur on-site or during vehicle test drives.
Garagekeepers Insurance
Protects customers' vehicles while in the service center’s care from risks such as fire, theft, vandalism, and other covered perils.
Equipment Breakdown Coverage
Covers the cost to repair or replace essential mechanical or diagnostic equipment in the event of a breakdown, helping minimize business disruption.
Business Interruption Insurance
Helps replace lost income and covers necessary expenses so the business can maintain operations or recover quickly after a covered incident.
Frequently Asked Questions
What types of businesses can benefit from Resortguard insurance?
Resortguard is ideal for resorts, hotels, lodges, and similar hospitality properties that offer guest accommodations and amenities.
Does the Automobile Service Center Insurance cover test drives?
Yes, garage liability insurance typically covers incidents that occur during test drives as part of regular service operations.
Can these insurance programs be customized?
Yes, both programs offer endorsements and optional coverages to tailor the policy to the specific needs of the business.
What is garagekeepers insurance and why is it important?
Garagekeepers insurance protects customer vehicles under the care of the business, which is crucial for repair and service shops handling valuable assets.
Is cyber insurance necessary for a resort?
Yes, with digital bookings and customer data systems, cyber insurance helps protect against data breaches and the financial fallout of cyber incidents.
Still have questions? Talk to a local insurance expert.