Guest House Insurance

Enjoy complete coverage and peace of mind with the Maldives finest Guest House Insurance packages. Our three tailor-made insurance packages are designed to cater to your every need as you seek to manage risk while pursuing your business goals as a proud guest house owner in paradise. 
 
From Natural perils, accidents malicious damage, theft and liability damages to water sports liability, our packages offer complete peace of mind and total protection solutions at the best rates in the market.
 
Guest House Budget package gives you the basic insurance covers you require to operate your guest house such as fire insurance with an extension for third party liability insurance. You can also get special add-ons that you may require for your guest house at preferential unbeatable rates. 

Coverage  

  • Natural Perils: Earthquake, Tsunami, Tidal Waves, Hurricanes, Cyclones, Typhoons, and Flood
  • Fire, Lightning and Domestic Explosion
  • Explosion
  • Riots & Strikes
  • Malicious damage
  • Impact by road vehicle
  • Impact by aircraft including other aerial devices & articles dropped 
  • Bursting or overflowing of water tanks, apparatus or pipes
  • Third Party Liability Insurance: protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or 'pure economic' loss resulting from your negligence.
 

Add-Ons

  • Group Personal Accident Insurance: coverage for accidental injury, permanent disability and accidental death of permanent employees
  • Marine Hull Insurance
  • Marine Cargo Insurance 
  • Comprehensive Motor Insurance: Excluding Theft 
  • Jet ski: Total Loss Only
  • Machinery Breakdown Insurance
  • Electronic Equipment Insurance
  • DAN Dive Insurance 
  • Individual Short Term
 
Guest House Budget+ package gives you all the benefits of the Guest House Budget Plan with an extension option for Theft and Burglary. You can also get special add-ons that you may require for your guest house at preferential unbeatable rates.

Coverage  

  • Natural Perils: Earthquake, Tsunami, Tidal Waves, Hurricanes, Cyclones, Typhoons, and Flood
  • Fire, Lightning and Domestic Explosion
  • Explosion
  • Riots & Strikes
  • Malicious damage
  • Impact by road vehicle
  • Impact by aircraft including other aerial devices & articles dropped 
  • Bursting or overflowing of water tanks, apparatus or pipes
  • Third Party Liability Insurance: protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or 'pure economic' loss resulting from your negligence.

Extensions

  • Theft & Burglary: Involving entry to or exit from the premises by forcible or violent means

Add-Ons

  • Group Personal Accident Insurance: coverage for accidental injury, permanent disability and accidental death of permanent employees
  • Marine Hull Insurance
  • Marine Cargo Insurance 
  • Comprehensive Motor Insurance: Excluding Theft 
  • Jet ski: Total Loss Only
  • Machinery Breakdown Insurance
  • Electronic Equipment Insurance
  • DAN Dive Insurance 
  • Individual Short Term
Guest House Premium package gives you all the benefits of the Guest House Budget and Budget+ Plan with coverage for Consequential Loss and Electrical Installations. Guest House Premium also gives you extension options for Water Sports and various other activities. You can also get special add-ons that you may require for your guest house at preferential unbeatable rates.
 

Coverage  

  • Natural Perils: Earthquake, Tsunami, Tidal Waves, Hurricanes, Cyclones, Typhoons, and Flood
  • Fire, Lightning and Domestic Explosion
  • Explosion
  • Riots & Strikes
  • Malicious damage
  • Impact by road vehicle
  • Bursting or overflowing of water tanks, apparatus or pipes
  • Consequential Loss: Compensates you for lost income if your company has to vacate the premises due to any peril covered under your fire insurance policy, such as a fire, lightning and other perils. Consequential Loss Insurance covers the profits you would have earned, based on your financial records, had the disaster not occurred. The policy also covers standing charges that continue even though business activities have come to a temporary halt.
  • Theft & Burglary: Involving entry to or exit from the premises by forcible or violent means
  • Third Party Liability Insurance: Protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or 'pure economic' loss resulting from your negligence.
  • Group Personal Accident Insurance: Coverage for accidental injury, permanent disability and accidental and natural death of permanent employees
 

Extensions

  • Water Sports: Cover water sports activities and other activities as below.
    • Snorkeling trips
    • Day fishing
    • Surfing
    • Windsurfing
    • Canoeing
    • Night fishing
    • Dolphin cruise
    • Whale Shark watching
    • Manta watching
    • Resort excursion
    • Sand bank trip
    • Picnic island trip
    • Trolling on a traditional boat
    • Exploring the atoll and reefs on a traditional boat
    • Maldivian night with Boduberu
    • Weddings
    • Photography | Liability arising from photography activities
    • Jet Skiing
    • Banana Boat riding
    • Big Game fishing
    • Honeymooner’s barbeque
    • Transfer Arrival and Departure | Speed Boat / Dhoni
    • Full day excursions
  • Electrical Installations: Cover your electrical installation damages. 

Add-Ons

  • Marine Hull Insurance
  • Marine Cargo Insurance 
  • Comprehensive Motor Insurance:Excluding Theft 
  • Jet ski: Total Loss Only
  • Machinery Breakdown Insurance
  • Electronic Equipment Insurance
  • DAN Dive Insurance: Individual Short Term
 

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