It depends on the policy. Guest injury claims from bed bugs may fall under general liability, but many policies limit or exclude pest-related claims, and the cost of treatment and lost room revenue is often not covered.
A regular professional pest control program, prompt response to guest reports, and good records are your best defense. Ask your agent how your policy treats these claims.
Have a question about your own property? Contact Ace Insurance Consultants for a free coverage review.
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