Legionella is detected in the motel’s water system and a public authority orders part of the premises to close while testing, treatment, and remediation are carried out.

Business Interruption Insurance may respond to income losses arising from an authority-ordered closure. Cover for legionella or infectious disease events may be available as a policy extension.

Overnight, the motel’s front glass entry door is shattered, leaving reception exposed and requiring urgent temporary boarding before replacement glass can be fitted.

Glass Cover is a benefit commonly included under Business Pack Insurance. It is designed to respond to accidental breakage of insured glass at your premises, including temporary protection and replacement costs.

A severe storm damages the motel roof and several guest rooms. Water enters the premises, repairs are needed urgently, and multiple bookings are cancelled during closure.

Commercial Property Insurance is designed to respond to insured storm and water damage to your premises and contents. Business Interruption Insurance is designed to respond to lost income and additional costs incurred during the period of closure.

A guest slips on rainwater tracked into the motel lobby, fractures their wrist, and alleges the business failed to keep the common area safe during check-in.

Public Liability Insurance may respond to third party injury claims arising from your business premises and operations.