What does Hotel Business Insurance Cover?

• Hotel General Liability Insurance

  • This coverage protects hotels and motels against claims of bodily injury or property damage caused by their operations. For example, if the premises causes damage to customers by them slipping on the floor, a general liability policy will pay for the damages.

• Hotel Property Insurance

  • This coverage protects your hotel's property, furniture, equipment, food, inventory, and supplies, against damage or loss due to events like fire, theft, or vandalism. 

• Workers Compensation Insurance

  • If you have employees you will need to carry workers compensation insurance. This policy covers work-related injuries/illnesses that your employees may sustain during their employment. Finding the right work comp for your hotel business is important. ​

• Auto Insurance

  •  Commercial auto insurance for a hotel can be a necessity if employees use vehicles in their business operations. This coverage protects against accidents, property damage, and liability claims while driving company vehicles.

• Liquor Liability Insurance

  • This coverage protects hotels against claims of bodily injury or property damage caused by over serving, failing to identify, and negligence when selling, serving, and distributing liquor.