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Hotel & Hospitality Insurance
Hotel & Hospitality Insurance
Insurance for the business behind the guest experience.
Hotels, motels, inns, resorts, and hospitality businesses face a unique combination of property and liability risks. From guest injuries and property damage to business interruption and equipment breakdown, the right insurance program can help you prepare for the unexpected.
We work with hospitality businesses to develop coverage tailored to their property, operations, employees, and unique exposures.
Protect your property. Protect your business. Protect your investment.
Protecting Your Hospitality Business From Check-In to Check-Out
Protecting Your Hospitality Business From Check-In to Check-Out
Running a hotel or hospitality business means taking care of your guests, your employees, your property, and your reputation—every day.
From guest injuries and property damage to unexpected equipment failures or a fire that temporarily closes your business, hospitality businesses face risks that are different from those of many other industries.
Our goal is simple: help protect your business, your property, your employees, and your ability to keep serving your guests.
Hospitality Insurance Designed Around Your Business
Hospitality Insurance Designed Around Your Business
Your insurance program should account for more than just the building.
A hospitality operation may have guest rooms, common areas, kitchens, restaurants or bars, pools, parking areas, laundry facilities, equipment, employees, vehicles, and valuable business property—all creating different exposures.
Depending on your operation and insurance needs, coverage may include:
Commercial Property Insurance – Helps protect your building, furnishings, equipment, fixtures, and other business property from covered losses.
General Liability Insurance – Helps protect your business against covered claims involving bodily injury or property damage arising from your operations.
Business Income & Extra Expense – Helps protect your income and assist with additional expenses when a covered property loss interrupts your operations.
Workers' Compensation – Helps provide coverage for employees who are injured or become ill as a result of their work, subject to applicable state requirements.
Commercial Auto Insurance – Protection for business-owned or business-used vehicles.
Umbrella & Excess Liability – Provides additional liability limits above certain underlying policies when higher limits are appropriate for your operation.
Equipment Breakdown – Helps address losses involving critical equipment and systems that keep your property operating.
Cyber Liability – Can help address certain risks associated with cyber incidents, data breaches, and other technology-related exposures.
Coverage availability, limits, exclusions, and eligibility vary by policy and insurance carrier.
Common Risks Facing Hotels & Hospitality Businesses
Common Risks Facing Hotels & Hospitality Businesses
Hospitality businesses are constantly interacting with the public. A single incident can potentially result in significant financial costs.
Some common exposures include:
Guest Injuries
Guest Injuries
Slips, trips, falls, and other accidents can happen in guest rooms, hallways, lobbies, parking areas, pools, restaurants, and other areas of your property.
Property Damage
Property Damage
A fire, storm, water damage, theft, or other covered event could damage your building or the property you rely on to operate.
Business Interruption
Business Interruption
A significant property loss could force you to temporarily close rooms or suspend operations. Business income coverage may help protect against certain income losses resulting from a covered interruption.
Equipment Failure
Equipment Failure
Hotels depend on boilers, HVAC systems, refrigeration, laundry equipment, electrical systems, elevators, and other equipment. An equipment failure can quickly become an operational problem.
Employee Injuries
Employee Injuries
Housekeeping, maintenance, kitchen, front-desk, and other hospitality employees perform physically demanding work and may face a variety of workplace hazards.
Liability Claims
Liability Claims
Your business may face claims involving guests, vendors, contractors, employees, or other third parties. Having appropriate liability protection is an important part of a comprehensive hospitality insurance program.
More Than Insurance—A Partner for Your Business
More Than Insurance—A Partner for Your Business
A small independent motel has very different needs than a large hotel, resort, or property with restaurants and other amenities.
That's why we take the time to understand your operation, including:
The type and size of your property
Number of rooms and occupancy
Building and property values
Amenities and guest services
Restaurants, bars, pools, or other facilities
Number of employees
Business-owned vehicles
Equipment and mechanical systems
Lease or lender requirements
Your current insurance program and coverage limits
From there, we can help identify potential gaps and build an insurance program that fits your business.
Protect Your Investment
Protect Your Investment
Your hospitality business represents a significant investment of time, money, and hard work. Don't leave your protection to a one-size-fits-all insurance program.
Talk with Mike Smith Insurance about coverage for your hotel or hospitality business.
Contact Mike Smith Insurance
Addressing the Liability Risks Other Insurance Programs May Exclude
Addressing the Liability Risks Other Insurance Programs May Exclude
Don't Overlook the Exclusions
Don't Overlook the Exclusions
One of the most important parts of a hospitality insurance program isn't simply determining what is covered—it's understanding what may be excluded.
We are seeing liability carriers increasingly address certain difficult hospitality exposures through exclusions, sublimits, restrictive endorsements, or other policy provisions.
For hotel and hospitality owners, these changes can create significant coverage gaps.
We have successfully helped clients address and, in appropriate circumstances, remove or negotiate exclusions involving some of the most challenging liability exposures facing the hospitality industry.
Assault & Battery
Assault & Battery
Hotels, motels, bars, restaurants, and other hospitality properties can face allegations involving fights, physical altercations, injuries, and other incidents occurring on or around the premises.
Assault & Battery exclusions can significantly restrict a policy's response to these types of claims.
Rather than simply accepting an exclusion as part of the insurance program, we work to understand the exposure and explore available options with insurance markets.
Our goal is to help preserve meaningful liability protection wherever the marketplace allows.
Firearms & Weapons
Firearms & Weapons
Firearms and weapons can create another area of concern for hospitality operators and their insurance carriers.
A claim involving a firearm on the premises can potentially result in significant bodily injury allegations and substantial litigation costs. Some liability programs may attempt to address this exposure through specific firearms or weapons exclusions.
We understand the importance of identifying these provisions before a loss occurs and can work with the appropriate insurance markets to determine whether broader coverage can be negotiated.
Abuse & Molestation
Abuse & Molestation
Hotels and hospitality businesses can have numerous interactions involving guests, employees, contractors, and other individuals.
Allegations of sexual abuse, molestation, or other misconduct can result in extremely serious claims and complex litigation. Abuse & Molestation exclusions or restrictive endorsements can create significant gaps in an otherwise comprehensive liability program.
We help hospitality clients identify these provisions and explore coverage options that may provide broader protection when available.
Human Trafficking
Human Trafficking
Human trafficking has become an increasingly important risk consideration for the hospitality industry.
Hotels and motels can face allegations involving trafficking activity occurring on their premises, including claims alleging that a property failed to recognize, prevent, report, or otherwise respond to trafficking-related activity.
As a result, some insurance carriers are taking a closer look at human trafficking exposures and may introduce specific exclusions or limitations into hospitality liability programs. We believe these provisions deserve careful attention.
A hotel owner should know whether their liability policy responds to allegations involving human trafficking before a claim occurs—not after.
We can review your policy for potentially restrictive language and work with insurance markets to determine whether coverage can be improved.
The Difference Is in the Policy Language
The Difference Is in the Policy Language
Two insurance policies can appear very similar on the surface while providing very different protection when a serious claim occurs.
That's why we don't stop at reviewing the declarations page.
We look closely at the policy wording, including:
Assault & Battery exclusions
Firearms and weapons exclusions
Abuse & Molestation exclusions
Human trafficking exclusions
Liquor liability provisions
Security-related exclusions
Communicable disease exclusions
Employee-related exclusions
Contractual liability provisions
Other endorsements that may restrict coverage
Our objective is to identify potential gaps before they become a problem.
We Don't Automatically Accept the Exclusion
We Don't Automatically Accept the Exclusion
When a carrier adds a restrictive endorsement, the conversation shouldn't necessarily end there.
We've successfully worked with insurance markets to remove or negotiate certain exclusions from hospitality insurance programs where the risk, underwriting, loss history, and available markets allowed us to do so. That can make a meaningful difference.
Broad coverage matters when you're protecting a business with significant assets, substantial guest traffic, and potentially severe liability exposures.
Let Us Review Your Hospitality Program
Let Us Review Your Hospitality Program
If you're a hotel, motel, inn, resort, or other hospitality operator, we can review your current liability program and help identify restrictive exclusions or coverage limitations.
You may already have a competitive premium.
The question is:
How much coverage are you actually getting for that premium?
Let us review your hospitality insurance program and look for potential coverage gaps—including exclusions that may not be obvious until you need the policy.
Request a Coverage Review →
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