Why choose IOA for accommodation insurance?
At IOA, we go beyond standard insurance. Our proprietary risk management program is built specifically for the hospitality industry, leveraging your business’s own data to target risks, reduce claims, and enhance profitability.
Our program uses proven strategies to manage risks and minimize losses, including:
- Supervisor training to handle injuries on the spot, with immediate access to program doctors for on-site treatment
- Quarterly risk audits of operational segments like housekeeping, food service, and valet
- Educational resources tailored to audit findings, helping your team stay informed and proactive
Our loss control measures help reduce the frequency and severity of claims, protecting your profits by avoiding premium increases.
IOA brings years of experience and partnerships with leading insurers to deliver customized coverage options and enhanced risk management. We’re more than a provider. We’re a team member dedicated to your safety and success.
Our accommodation insurance markets
Hotels and resorts
Extended stay facilities
Boutique and independent hotels
Luxury accommodations
Our accommodation insurance products
IOA offers a wide range of insurance products tailored to meet the needs of the accommodation industry.
Commercial property
Commercial property insurance safeguards physical assets, including buildings, equipment, and inventory, against risks such as fire, theft, and natural disasters.
Workers compensation
Workers compensation insurance covers employee medical expenses and lost wages resulting from work-related injuries or illnesses.
General liability
General liability insurance covers bodily injury, property damage, and personal injury claims arising from business operations.
Cyber liability
Cyber liability insurance helps businesses recover from incidents like data breaches, ransomware attacks, and regulatory penalties.
Business income
Business income insurance safeguards businesses by covering income loss due to disruptions, ensuring financial stability during recovery.
Crime
Crime insurance covers financial losses resulting from theft, fraud, forgery, and other dishonest acts committed by employees or external actors.
Commercial umbrella
Commercial umbrella insurance extends the coverage limits of primary policies, offering an additional layer of protection against large claims.
Employment practices liability
Employment practices liability insurance protects businesses against claims arising from employment-related claims, like wrongful termination, discrimination, and harassment.
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