Kosten für Haftpflichtversicherung in Gastgewerbe
Definition
Liability insurance for B&B/hostel operators is practically essential despite not being universally mandatory, with costs rising for high-risk setups like furnished/shared guest housing. Premiums cover property damage, injuries, and financial losses from negligence, with deductibles adding per-claim costs.
Key Findings
- Financial Impact: €47-300 annual premium per policy; €100 deductible per claim; up to €10/month for comprehensive coverage
- Frequency: Annual recurring; deductibles per incident
- Root Cause: Lack of automated risk documentation leading to higher premium classifications
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Bed-and-Breakfasts, Hostels, Homestays.
Affected Stakeholders
Innkeepers, Homestay hosts, Facility managers
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
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Related Business Risks
Unversicherte Schäden und Eigenrisiko
Nacharbeitskosten durch Inspektionsfehler
Gästeabbruch durch Zimmerverzögerungen
Kartendiebstahl und ungültige OTA-Zahlungsdaten
GoBD-Verstoß durch unstrukturierte Rechnungen aus Zahlungen
Kapazitätsverlust durch Putzengpässe
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