Insurance for Hotels
Running a hotel means managing risk around the clock — guests coming and going at all hours, large properties with pools, restaurants, and parking lots, valuable property and equipment, and a staff that needs to be protected too. A single slip in the lobby, a kitchen fire, a data breach exposing guest information, or a liquor liability claim from your bar can put serious financial pressure on your business if you’re not properly covered. We help hotel owners and operators put together insurance programs built specifically around the realities of hospitality.
Coverage hotels typically need:
General Liability — Protects against claims of bodily injury or property damage from guests, vendors, or visitors anywhere on your property — from a slip-and-fall in the lobby to an injury at the pool.
Commercial Property — Covers your building, furniture, fixtures, and equipment against fire, storm damage, theft, and other covered losses, including coverage for multiple buildings or large properties when needed.
Liquor Liability — If your hotel has a bar, restaurant, or serves alcohol at events, liquor liability covers claims related to injuries or damage caused by an intoxicated guest you served.
Workers’ Compensation — Hotels rely on a wide range of staff — housekeeping, maintenance, front desk, food service — and workers’ comp covers medical costs and lost wages if an employee is injured on the job.
Business Interruption — If a fire, storm, or other covered event forces you to temporarily close or limit operations, this coverage helps replace lost income and cover ongoing expenses like payroll and mortgage payments.
Cyber Liability — Hotels collect and store significant guest data — names, payment information, reservation details — making them a target for data breaches. Cyber liability helps cover the cost of responding to an attack and any resulting liability.
Umbrella/Excess Liability — Given the volume of guests and foot traffic hotels see, an umbrella policy adds an extra layer of liability protection above your other policies in the event of a major claim.
Equipment Breakdown — Covers the cost of repairing or replacing essential equipment like HVAC systems, kitchen appliances, and laundry machines when they break down unexpectedly — costly repairs that can disrupt operations if you’re not covered.
Every hotel is different — a boutique inn, a large resort, and an extended-stay property all carry different risk profiles based on size, amenities, and services offered. We’ll help you build a customized insurance program that reflects how your property actually operates, so you’re protected against the risks that matter most to your business.