Hotel/Motel Insurance

Hotel/motel insurance is a specialized type of commercial insurance policy designed to protect owners and operators of lodging establishments from a variety of risks. This coverage typically includes property insurance to safeguard the building, contents, and grounds against damages from fires, storms, theft, and vandalism. It also provides general liability coverage for injuries or accidents that occur on the premises, protecting against lawsuits from guests or visitors. Additionally, hotel/motel policies usually include business interruption insurance to cover loss of income if operations are suspended due to an insured peril. Other common coverages are liquor liability, employer practices liability, cyber liability, and commercial auto insurance for shuttle services or valet operations. With unique exposures like serving food, managing guests, and secured key control, comprehensive hotel/motel insurance packages are essential for mitigating risks inherent to the lodging industry.

Contact our agency to learn more.