Your sector
Hotels and restaurants: protecting your business and employees
Hospitality depends on employees, facilities and organisation working together.
Let’s talk about your businessStarting from what you actually do.
In a hotel or restaurant, an absence or breakdown can change an entire day's service. Seasonality, working hours and bookings affect the consequences. We start with how your establishment operates, not a list of insurance covers assumed to be the same for everyone.
Employee numbers, payroll and commitments to employees need to be checked against insurance for your people. The scope of the applicable L-GAV/CCNT (national collective labour agreement for the hotel and restaurant industry) and the consistency of the sickness daily allowance insurance policy with its requirements need to be assessed, without presenting benefits as universal.
In your day-to-day work
Three situations to examine
- 01
Seasonal employees arrive
Check employment status, start dates and declared categories. Prepare clear information on absence procedures and contacts rather than handing out an outdated notice.
- 02
The kitchen or refrigeration stops working
Distinguish between damaged equipment, food stocks and the inability to serve customers. Gather values and replacement scenarios to assess each item and its period of cover.
- 03
An incident affects a customer
Document the facts and identify potentially relevant policies. Hospitality services, premises and the services sold need to match the activities described in the liability policy.
Points to watch
- Pay and sickness daily allowance insurance: compare employment contracts, L-GAV/CCNT where applicable and the policy for the same employee categories.
- Bookings and business interruption: check the financial consequences and coverage conditions, without assuming every cancellation will be compensated.
- Workload and cover arrangements: organise collective prevention measures and absence management, not just notification forms.
How we support you
We bring employees, facilities and hospitality activities together in a single overview. Discrepancies in declared pay, values or described services become specific questions for insurers. With your managers, we also prepare a process for tracking notifications and renewals that takes seasonal changes into account.
Documents to prepare
- Up-to-date employee numbers, employment status and payroll
- Employment contracts, applicable L-GAV/CCNT and sickness daily allowance insurance policy
- Inventory of kitchen equipment, refrigeration, furniture and food stocks
- Activities offered, sites and booking commitments
- Policies and continuity and absence arrangements
Frequently asked questions
Your questions
Does L-GAV/CCNT automatically apply to our situation?
Have its scope and your activities assessed. The relevant obligations then need to be checked against employment and insurance contracts.
Is having a sickness daily allowance insurance policy enough to demonstrate that it meets the requirements?
Its existence alone is not enough. Compare the employee groups, pay and conditions with the applicable obligations, then clarify discrepancies before an absence occurs.
Does cover for an appliance breakdown include lost bookings?
Not automatically. Damage to the appliance and the business consequences need to be assessed separately, according to the events, items and limits in the policy.
Sources
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.