HOTEL AND MOTEL INSURANCE FOR LODGING, HOSPITALITY, EXTENDED-STAY AND GUEST PROPERTY OPERATIONS
Hotel and motel insurance should be built around the actual lodging operation: guest rooms, property values, pools, parking lots, restaurants, bars, liquor exposure, housekeeping, maintenance, employee injuries, cyber risk, crime, guest injury claims, equipment breakdown, business income, franchise requirements and lender requirements.
WHO THIS PAGE IS FOR
This page is for hotel owners, motel owners, hospitality groups, franchise operators, independent lodging properties, extended-stay hotels, limited-service hotels, boutique hotels, inns, roadside motels, property managers and investors with guest lodging exposure.
- Hotel insurance and motel insurance
- Hospitality insurance for lodging properties
- Franchise hotel insurance and independent hotel insurance
- Property, general liability, liquor liability, workers compensation, cyber and umbrella review
WHAT TYPE OF LODGING OPERATION ARE YOU INSURING?
Select the closest option below. Hotel and motel insurance changes quickly depending on amenities, occupancy, franchise requirements, property condition, guest services, food and alcohol exposure, security, claims history and renovation activity.
HOTEL OR MOTEL INSURANCE
Hotel and motel insurance should review property, general liability, guest injury exposure, business income, workers compensation, crime, cyber, umbrella, equipment breakdown, signs, parking areas and contractual requirements.
WHAT HOTEL AND MOTEL INSURANCE MAY NEED TO ADDRESS
A lodging property is not just a building with rooms. Hotels and motels combine property ownership, guest safety, premises liability, employee exposure, housekeeping, maintenance, parking lots, life safety systems, food service, alcohol, cyber, crime, utilities, equipment and reputation-sensitive claims.
PROPERTY INSURANCE
Coverage review for buildings, guest rooms, furniture, fixtures, equipment, signage, outdoor property, laundry areas, office areas, mechanical systems and business personal property.
GENERAL LIABILITY
Liability coverage for guest injury allegations, slip and fall claims, premises hazards, parking areas, common areas, lobby areas, stairways, sidewalks and property operations.
BUSINESS INCOME
Hotels and motels may need review for loss of income, extra expense, restoration period, waiting periods, utility interruption and dependent property concerns.
WORKERS COMPENSATION
Housekeeping, maintenance, front desk, management, food service, laundry and grounds employees may create workers compensation exposure.
CYBER LIABILITY
Reservation systems, payment cards, guest data, Wi-Fi networks, employee records and vendor systems can create cyber and data breach exposure.
UMBRELLA & EXCESS
Higher liability limits may be needed for franchise agreements, lenders, investors, contracts, premises exposure, liquor exposure or severe guest injury claims.
HOTEL AND MOTEL RISKS THAT SHOULD NOT BE TREATED AS AFTERTHOUGHTS
Lodging properties can look simple on an application but become complicated during underwriting. Amenities, safety controls, crime history, neighborhood, building age, claims activity, fire protection, renovation work and guest services can change the insurance conversation.
GUEST INJURY
Slip and falls, stairways, bathrooms, sidewalks, parking lots, pools, fitness rooms, elevators and common areas should be reviewed.
FIRE PROTECTION
Sprinklers, alarms, fire extinguishers, kitchen systems, smoke detectors and inspection records can matter during underwriting.
SECURITY
Lighting, cameras, locks, key cards, staff procedures, incident history and premises security allegations can affect the risk profile.
POOL EXPOSURE
Pools, hot tubs, fitness areas and recreational amenities may create separate liability and safety documentation concerns.
LIQUOR EXPOSURE
Hotel bars, restaurants, banquet operations, minibars and catered events may require liquor liability review.
EMPLOYEE SAFETY
Housekeeping, laundry, lifting, maintenance, ladder use, chemicals, snow removal and kitchen work can drive workers compensation issues.
RENOVATIONS
Active renovation, vacant rooms, contractor work, roof work, electrical upgrades and construction activity should be disclosed and reviewed.
FRANCHISE TERMS
Franchise insurance requirements may include specific limits, additional insured language, property requirements and umbrella limits.
HOTEL, MOTEL AND HOSPITALITY OPERATIONS WE HELP REVIEW
INDEPENDENT HOTELS
Independent hotel insurance should review property values, liability, business income, guest services, amenities, restaurant exposure, claims history and management structure.
FRANCHISE HOTELS
Franchise hotel insurance may need to satisfy brand requirements, lender requirements, ownership requirements and certificate language.
MOTELS
Motel insurance may involve exterior corridors, parking lot exposure, transient occupancy, crime history, building age, life safety and premises liability concerns.
EXTENDED-STAY HOTELS
Extended-stay operations may create different guest profile, cooking, occupancy, housekeeping, security and long-term lodging considerations.
BOUTIQUE HOTELS & INNS
Boutique hotels and inns may require careful property valuation, hospitality liability, special events, liquor exposure and high-touch guest service review.
HOTELS WITH RESTAURANTS OR BARS
Restaurants, bars, banquet rooms, catering, room service and alcohol sales can add liquor liability, food service and workers compensation considerations.
WHAT TO HAVE READY FOR A HOTEL OR MOTEL INSURANCE REVIEW
RELATED HOSPITALITY, PROPERTY AND BUSINESS INSURANCE RESOURCES
BUSINESS & LIABILITY
Hotel and motel operations may connect with general business coverage, general liability, umbrella and contract requirement review.
PROPERTY & BUILDING
Lodging properties may need property, building, equipment breakdown, flood, vacant property or renovation-related review.
LIQUOR & FOOD SERVICE
Hotels with restaurants, bars, banquet rooms, catering or alcohol sales may need liquor liability and food service insurance review.
CYBER & MANAGEMENT
Guest data, online booking, payment cards, employee records, employment practices and management decisions may create separate coverage needs.
WORKPLACE & EMPLOYEES
Housekeeping, maintenance, food service and management payroll should be reviewed for workers compensation and workplace-related coverage.
ABOUT KELLY INSURANCE GROUP
Learn more about Kelly Insurance Group, the team, agency history, carrier relationships and how to send your hotel or motel insurance information.
SEND THE HOTEL OR MOTEL INSURANCE DETAILS.
Use this form to start the review. Include the property address, room count, construction, year built, updates, franchise information, amenities, revenue, payroll, current policies, loss runs and any lender or franchise insurance requirements.
LODGING INSURANCE SHOULD BE BUILT AROUND THE PROPERTY, THE GUESTS AND THE OPERATIONS.
A hotel or motel insurance review should not stop at a building value and a room count. Send the operating details, current coverage, loss history and requirements so the account can be positioned correctly from the start.
Disclaimer: The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.