Insurance for Hotels and Motels

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844--9933 anytime.

Better, Regardless of Your Size

Coverage Plans for All Your Needs

Any number of daily events can cause incredible financial loss to your hotel or motel. From poor food served, to unclean rooms and more, liability coverages can protect you from lawsuits by unhappy customers. We have the coverage you need.

BASIC

Essential coverage for your hotel business


General Liability

From
39
Month
Instant quote »

Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

Required coverage to operate


General Liability + Property (bundle them with a BOP)

Instant quote »

All Basic plan benefits and:

  • Natural disasters
  • Equipment breakdown
  • Revenue loss
  • Construction costs

PRO

Get protected against employment-related issues


BOP + Workers Compensation*

Instant quote »

All Standard plan benefits and:

  • Coverage for work-related issues and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation

CUSTOM

When you have specific requirements


Including Business Interruption, Liquor Liability, Cyber Liability etc.

Instant quote »

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

We've Got You Covered with Coverage You Need

All hotels and motels need commercial property and general liability insurance. If you have a shuttle, you also need business auto insurance; and if you have employees, worker’s compensation and employee dishonesty are a must.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Get a free quote, all you need to enter is your zip code to get started.

Or call (646) 844--9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

What is Hospitality insurance?

Your hotel business focuses on serving the needs of your customers. Therefore, having the right insurance coverage will help you continue to serve your customers even at the event of a loss. Hospitality insurance serves as a safety net and ensures that your business runs as efficiently as possible.

Why do I need Hotel insurance?

As a hotel owner, it is your responsibility to ensure that your guests are protected and safe in their rooms. However, accidents can happen when you least expect it. When guests slip and tumble on the stairs, they could sue you for negligence and seek compensation. Hotel insurance covers the costs of the claim and the legal costs.

Which insurance would cover an accidentally set fire by a guest?

Business Property insurance protects your building and its contents, even if it is an accidentally set fire by a guest.

Do I need Liquor Liability insurance as a Hotel or Motel?

If your hotel/motel sells or serves liquor, then you need this type of insurance. The damage resulting from the sale or distribution of alcoholic beverages from your hotel or motel will be fully covered.

Why do Hotels and Motels need insurance?

These establishments provide temporary lodging as well as various entertainment and leisure services. Businesses in this industry include bed-and-breakfasts, hotels, motels, and inns. These establishments provide food and beverages as amenities, as well as different room types with different rates. Hospitality establishments like hotels and motels provide guests a sense of comfort and safety away from their home. While you offer a highly needed service to travelers, your hospitality puts you at great risk every day. If you don’t properly protect yourself with insurance for your hotel or motel, you risk the biggest loss of all, financial hardship and business failure.

What risks could Hotels and Motels face?

  • Fire destroys your building: If a guest starts an accidental fire in their room or an electrical explosion causes a fire, you can be forced to close your doors until you rebuild or fix the damage.
  • A child drowns in the swimming pool: The majority of hotels and motels don’t have lifeguards at their swimming pools. What happens in the swimming area is often out of your control. if a child slips into the deep end with nobody noticing, and drowns, the family can file a lawsuit holding you responsible.
  • Restaurant food causes sickness: Today, many hotels have restaurants. if you serve spoiled or contaminated food that causes food poisoning, you are responsible for any Medical expenses associated with it.
  • Stolen customer records: To properly do business and stay organized, you have a vast database full of sensitive customer information. This data includes names, addresses, e-mails, and credit card information. Hackers flock to small businesses with little or no cyber security in place to steal this valuable information. When that happens, there are a lot of notification, investigation, and settlement expenses involved that you have to pay.
  • Theft of guest’s belongings: You can be held liable for missing items from cars, rooms, and common areas even if you have signs posted saying otherwise.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

why coverwallet

Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

We are making headlines!

Already insured?

No worries, keep your insurance, just get an account with us to manage your policies, certificates of insurance and more

Get CoverWallet »

Need help? Get free advice

Understand in 10 seconds what type of insurance your industry needs, and why

Insurance Assessment »

The Power Behind CoverWallet

Algorithms, Science, Magic
Customized, Intelligent Application
State of the Art Technology

Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

State of the Art Technology

We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

Are you ready to get down to business?

Enter your zipcode to get started or call (646) 844--9933 anytime.