What coverage could be useful to a hotel recovering from a fire incident?

In the context of a hotel recovering from a fire incident, workers' compensation insurance is crucial. This type of insurance provides coverage for employees who may be injured or become ill as a result of their work duties. Following a fire, if hotel staff members were injured while trying to extinguish the fire or evacuating guests, workers' compensation would cover their medical expenses, rehabilitation costs, and potentially even lost wages while they are unable to work.

This coverage not only ensures that employees are financially protected but also demonstrates the hotel's commitment to their welfare, which is essential for maintaining morale and trust among the workforce during challenging recovery efforts.

The other options do not directly align with the immediate recovery needs of a hotel following a fire incident. For instance, personal liability coverage typically addresses claims arising from injuries or damages caused by the hotel's operations, rather than supporting recovery efforts. Cyber liability insurance pertains to data breaches and online security, which is not a direct concern in a fire incident. Renters insurance is designed for individuals renting living spaces, rather than businesses like hotels, making it irrelevant in this scenario.