Commercial Property Insurance
Covers the building, furniture, and fixtures across guest rooms and common areas against fire and other damage.
How it worksFood & Hospitality
Insurance for Hotels and Motels
Protect your property, your guests, and your staff with coverage built for the lodging industry.
One application, shopped to our A-rated carrier network. Number of offers depends on carrier appetite for your class, state, and loss history.
What underwriters look at
Hotels and motels combine several businesses under one roof: lodging, food service, event space, sometimes a pool or fitness area, and often a bar. Each of these functions carries its own risk, which is why lodging properties typically need a more comprehensive insurance program than a single storefront business would require.
Guest safety is central to the exposure. Slip-and-fall incidents near pools, injuries on stairs or in parking lots, and theft of guest property are common sources of claims. Because guests are staying overnight and often unfamiliar with the property, hotels also carry innkeeper liability considerations that go beyond typical premises liability for a retail or office space.
Property values at hotels can be substantial, covering the building itself, furniture and fixtures across many rooms, and often commercial laundry or kitchen equipment. Business interruption coverage is also an important conversation for lodging properties, since a fire or major system failure that closes rooms can create significant lost income while repairs are underway.
Guest injuries throughout the property
Pools, stairwells, parking lots, and hallways all present slip-and-fall risk, and because guests are on the property around the clock, exposure is more continuous than in many other businesses.
Theft or loss of guest property
Claims involving stolen luggage, valuables from rooms, or vehicles from the parking lot are a recurring exposure for lodging properties.
Fire and business interruption
A fire affecting even a portion of the building can force room closures for weeks, creating lost income on top of repair costs.
Liquor liability from onsite bars or events
Hotels that operate a bar or host events with alcohol service take on liability exposure tied to overserving, similar to a standalone bar or restaurant.
The coverage stack for hotels & motels
Most owners in this class start here. A licensed agent will confirm what your contracts, state, and payroll actually require.
General Liability Insurance
Covers guest injury claims occurring anywhere on the property, from lobbies to pool decks.
How it worksWorkers' Compensation Insurance
Covers injuries to housekeeping, maintenance, and front desk staff during daily operations.
How it worksCommercial Umbrella Insurance
Adds a higher liability limit given the volume of guests and range of amenities on a typical lodging property.
How it worksCyber Liability Insurance
Responds to breaches involving guest payment data and reservation systems handled by the property.
How it worksWhat it typically costs
Lodging insurance costs typically scale with number of rooms, amenities like pools or bars, and the age and condition of the building.
| Business size | Typical annual range |
|---|---|
Small motel, under 30 rooms Fewer rooms and limited amenities generally keep exposure and premiums lower than larger properties. | $8,000 – $18,000 / yr |
Mid-size hotel with pool or restaurant Additional amenities like pools, bars, or event space increase liability exposure and cost. | $20,000 – $50,000 / yr |
Large hotel with full amenities High room counts, extensive amenities, and higher property values drive premiums toward the upper range. | $55,000 – $150,000+ / yr |
Illustrative ranges only. Premium varies by state, carrier, limits, payroll, and loss history — it is not a quote.
What moves your premium
- Number of rooms and total property square footage
- Amenities such as a pool, bar, restaurant, or fitness center
- Building age, construction type, and fire protection systems
- Number of employees across housekeeping, maintenance, and front desk
- Location and exposure to weather events like hurricanes or flooding
- Claims history and occupancy rates
Hotels & Motels insurance questions
Ready to compare hotels & motels quotes?
One application. Up to 10 competing quotes from A-rated carriers. A licensed agent presents your best options, usually within one business day.