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Nature is unpredictable, but your protection doesn’t have to be. Our Natural Disaster Insurance is designed specifically for hotel and villa owners who want to safeguard their property and possessions against the unpredictable forces of nature. Whether you live in a coastal area prone to cyclones or in a seismic zone at risk of earthquakes, this coverage acts as a financial shield, helping you recover quickly with minimal stress and loss.
From floods and landslides to storms and lightning strikes, this add-on to your property insurance offers broad protection for your building, interiors, and valuable contents. It’s especially ideal for properties in disaster-prone regions, offering you not just compensation for damages, but also peace of mind knowing your home is backed by reliable support and fast claims processing when you need it most.
Our cover is built on standard commercial property wordings used across Asia (e.g., Fire & Allied Perils / Industrial All Risks). It protects your hotel or villa against earthquake, storm, cyclone/typhoon, flood, inundation, tsunami, and volcanic eruption—with optional Business Interruption for loss of income. Policies, deductibles, and ratings follow local regulations, so we configure them country-by-country for accuracy and compliance.
We guide your team on immediate loss-mitigation steps, evidence, and paperwork so nothing critical is missed.
Round-the-clock help for emergency coordination, claim intimation, and logistics after earthquakes, floods, cyclones/typhoons, or volcanic events.
Natural-disaster insurance primarily covers physical damage (buildings, interiors, equipment). Income loss isn’t automatic—add Business Interruption (Loss of Profit) if you want coverage for cancellations and downtime after insured physical damage.
Natural Disaster Insurance is a specialized property cover that protects hotels, resorts, and private villas from damages caused by calamities such as earthquakes, floods, cyclones, tsunamis, and volcanic eruptions. It ensures that both your property structure and contents are financially protected, while optional add-ons can cover income loss during downtime.
This insurance typically covers:
Structural damage to the building due to earthquakes, storms, or floods.
Damage to interiors, furniture, and electronic equipment.
Business Interruption (Loss of Profit) for loss of revenue while the property is unusable.
Risk Assessment & Preventive Advisory to help owners strengthen preparedness before disasters occur.
Standard property insurance often covers common risks like fire, theft, or accidents. Natural Disaster Insurance focuses on catastrophic perils such as floods, cyclones, and earthquakes, which are usually excluded or need to be added separately in basic policies. For hotels and villas, this difference is crucial because natural disasters can cause both physical damage and extended business downtime.
Yes, but only if you add the Business Interruption (Loss of Profit) extension. This covers loss of income, operating expenses, and standing charges when your property cannot function due to disaster-related damage. This feature is especially important for hospitality owners who face cancellations and reduced bookings after calamities.
Yes, common exclusions include:
Losses from war or nuclear risks.
Gradual wear & tear, poor maintenance, or pollution.
Indirect losses not tied to insured events.
Additionally, higher deductibles may apply to earthquakes and floods depending on the region. Always review your policy schedule to understand exact terms.
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