Resorts & Lodges Insurance Insurance: Average Premiums & Pricing Factors
Quick Answer
How much does Resorts & Lodges Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or down.
Comprehensive FAQ, cost guide, and claims examples for resorts and lodges insurance — coverage for hospitality properties.
What You Need to Know
Resorts and lodges insurance covers property, liability, guest injury, and business interruption for hotels, resorts, and lodges.
Resorts & Lodges Insurance Cost by Business Size
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Small Lodge (10–30 rooms) | $500K–$2M | $5,000–$15,000/yr | Basic property and liability. |
| Large Resort (200+ rooms) | $10M+ | $50,000–$200,000/yr | Comprehensive coverage with amenities. |
What Determines Your Premium?
- Property Size (High impact) — Larger resorts with more rooms and amenities require higher coverage.
- Amenities (High impact) — Pools, ski areas, spas, and restaurants increase liability exposure.