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HO and CGL Coverage for Water Damage to a Hotel Room

Author: Mike Edwards

Travelers sometimes damage hotel rooms. Unless they’re rock starts, they probably do it accidentally, for example, by hanging a clothing item on a sprinkler head. The question is whether they have coverage under an HO policy if their stay is personal or under a CGL policy if they’re on business. The difference in coverage and the potential for loss may surprise you.

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