Industries we serve
Hotel insurance for the property and the business inside it
For a hotel owner, a property loss can interrupt room revenue as well as damage the building. We help owners and operators review those connected concerns alongside the guest services, employees and amenities that make each property different.
Your hotel’s operations
The room count is only the beginning
A limited-service hotel and a property with a restaurant, pool and event space need different conversations. Start with the services available to guests, who operates them and whether another business leases space on the property.
We will also ask about the building, roof, protection systems and recent improvements. Ownership and management arrangements matter too, especially when the building owner, operating company and franchise have different insurance responsibilities.
Coverage and recovery
Consider what it would take to reopen
Property coverage, general liability and business income are central review areas for many lodging businesses. The appropriate coverage depends on the operation and the policy. A restaurant, bar, shuttle or other service can create additional questions that should be identified before quotes are compared.
If a covered loss put rooms out of service, consider the time and expense involved in repairing the property and restoring operations. We can help review the business income terms and limits, along with deductibles and the property values used in the proposal.
Your renewal review
Bring the property information and the operating picture together
Send your current policies, renewal proposal, room count, revenue, payroll and loss history. Include the building details and a description of amenities, food or alcohol service, transportation and any planned renovation.
If a lender, franchise or management agreement sets insurance requirements, send those as well. We can use the full picture to review your existing coverage and discuss available alternatives for the property.
Related coverage and industries
Explore your options
Insurance for your building, business contents and other insured property.
General LiabilityCoverage for claims involving injuries to others, property damage and related liability.
Workers CompensationCoverage for work-related employee injuries and illnesses.
RestaurantsInsurance reviews for restaurants, with attention to kitchen operations, employees, equipment and service.
Coverage references
General information. Coverage depends on the policy, exclusions and underwriting.