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Hospitality

Chartis provides General Liability coverage enhancements for the Hospitality Industry to help businesses, such as hotels, food service providers, country clubs and golf courses, better address some of their common exposures.

Features and Benefits Back To Top
  • Features

    Hospitality Services Coverage     provides Bodily Injury or Property Damage arising out of hospitality services provided to an insured’s customers.  Coverage applies to hospitality services provided by businesses operating as:
    – Hotel, Motel, Inn or Resort 
    – Restaurant, Caterer or Food Service Provider
    – Yacht, Country or Fitness Club
    – Golf Course
    – Licensed and/or certified employees: 
       – Barbers, Beauticians, Manicurists, Shampooers
       – Massage therapists
       – Aerobics Instructors
       – Nutritionists
       – Lifeguards
       – Athletic Instructors 

    Innkeepers Liability (Bailment Coverage) builds coverage into the CGL policy to cover incidental exposure for the personal property of guests (e.g., clothing, inexpensive jewelry or athletic equipment). 

    Hotel Safe Deposit Box/Legal Liability Coverage     covers damages arising out of, relating to or in connection with on-premises Safe Deposit Boxes.
    – $25,000 Aggregate Sub Limit.


  • Benefits

    Our program benefits are in place to help clients mitigate losses and effectively manage or reduce costs.
    -  Loss control services provided by ISO 9001-2000 certified engineers.
    -  Account management services assist with loss adjustments and other service areas.
    -  Choice of in-house claims services or TPAs to manage claims.
    -  Online tools such as IntelliRisk® are available to manage claims.
Claims Back To Top

Our specialized claims services manage a broad spectrum of casualty exposures and are segmented by specialty to ensure claims are handled by claims professionals most experienced with any given loss and product type. Once a claim is reported, our approach brings to bear high quality investigative, legal and engineering expertise early in the claims process when it can have the greatest benefit for the client.

  • Chartis Claims Advantage

    -     Claims in litigation benefit from some of the nation’s top legal defense firms and forensic and evidence
       experts.  Claims that require field investigations are referred to a premier team of investigators who
       undertake a rigorous and methodological approach to protect our policyholders’ assets.

    -  Dedicated customer-focused teams for transportation/fleet, entertainment, retail, products liability,   
       commercial auto, construction, energy and many other industries facing particularly complex and
       unique risks.

    -  Positioned catastrophe teams to respond expeditiously to incidents nationwide and an expansive
       network of nurse consultants to conduct field-based case management.
  • Claims Capabilities Facts

    -  We paid approximately $19 billion in claims in 2009
    -  Our teams handled over 825,000 claims in 2009
    -  We have one of the largest, most specialized claims departments in the industry with unmatched
       credentials.
    -  Claims staff averages 11 years industry experience. 
    -  Our staff has more than two decades of experience writing specialty/complex lines.
    -  Our commitment and longevity in the insurance market means we’ll be here to handle our 
       policyholders' claims in the years to come.
    -  We have a dedicated structured settlements department that works closely with claims professionals
       in the claims resolution process to maximize savings to the insured.
    -  Chartis U.S. has a nationwide presence and global experience.
        -  Panel counsel firms that cover every jurisdiction in the U.S.
        -  25 service centers and numerous dedicated/specialty claims staff located nationwide.
        -  24 staff counsel offices in 15 states.
    -     Paperless claim handling process was implemented to improve operating flexibility. This paperless
       process is supported by two zonal Operations Centers located near the zonal headquarters. The
       Operations Centers are responsible for all mail processing, claim setup, medical bill processing and
       certain bill payment responsibilities within the zone and each contains a customer service call center.
  • To report or check the status of a claim please contact us:
    Tel: 877-399-6442
    For emergency claim reporting outside normal business hours, call toll-free: 888-244-2736
Loss Prevention Back To Top

Consultative Risk Controls Services offered by Chartis Global Loss Prevention

  • Onsite Physical Hazards Assessments to identify and correct hazards before a loss occurs 

  • Comprehensive Slip Trip and Fall assessments to identify root causes of slip, trip and falls; service includes walking surface Coefficient of Friction (COF) to measure slip resistance 

  • Best Practices Assessments: Consultation with hotel management staff to develop real business solutions that impact loss drivers

  • A full suite of web-based training resources with interactive participant functions to test knowledge of hospitality safety hazards and controls 

  • Premise Liability Assessments identify and correct safety hazards that are known to cause liability losses

  • Illumination surveys to evaluate interior and exterior lighting levels for security and visibility 

  • Industrial hygiene services to recognize, evaluate and control airborne contaminants and other bio hazards known within the hospitality industry 

  • Life Safety Assessments to identify and correct deficiencies associated with means of egress, panic hardware, emergency lighting and other emergency standards 

  • Onsite safety training of hotel staff in basic hazard recognition, evaluation and control of common safety hazards found in front the house and in back of the house 

  • Customized Safety Training Video Development including professional script writing

  • Interactive Fleet Safety Training for Courtesy Bus or Transportation personnel – Drivers Alert

Marketing Materials Back To Top