Hotel & Motel
Hotel and motel insurance addresses a complex intersection of property, liability, and hospitality exposures. Property exposure includes not just the building and contents but the systems that make a hotel function — elevators, HVAC, pool and spa equipment, commercial laundry, and kitchens for food …
Who Needs This Coverage
- Independent hotel and motel operators
- Boutique hotels and bed & breakfast operations
- Extended-stay and apartment-hotel properties
- Hotel franchisees requiring brand-mandated coverage
- Motel owners in tourist corridors
What's Covered
- Building and contents at replacement cost
- Business income and extra expense — revenue loss during closure
- Commercial general liability for premises injuries
- Liquor liability for bar, minibar, and catered event service
- Crime coverage — guest property theft and employee dishonesty
- Equipment breakdown for HVAC, elevators, and laundry equipment
Frequently Asked Questions
Does hotel insurance cover guest property?
Crime coverage can include theft of guest property from rooms. California's innkeeper liability statute limits hotel exposure for guest property if the hotel maintains a proper safe and posts required notices. Coverage for guest property claims is im…
What is business income coverage for a hotel?
Business income reimburses lost revenue and continuing expenses when a covered property loss forces rooms out of service. For a hotel, BI is based on actual average daily rate and occupancy. A good BI policy covers the full restoration period includi…