Commercial industry
Hotel Insurance for Independent and Select-Service Properties
A hotel is a real-estate asset that also serves food, pours drinks, parks cars, and stores guest data. The insurance file has to cover the building and the business that lives inside it — not just a lessor's risk form with a lobby.
We place programs for independent and select-service hotels, motels that are run as commercial lodging, and mixed properties with a restaurant or banquet room. Las Vegas, Reno, Seattle, Portland, Philadelphia, Pittsburgh, Austin, Dallas, Houston, and Indianapolis are markets we already serve as licensed brokers.
Property limits should be replacement cost to current lodging code, including ordinance-or-law for older motor-court and downtown masonry buildings. Business income needs an ordinary-payroll decision and a period that survives a long rebuild, not a 30-day placeholder. Equipment breakdown on chillers, boilers, elevators, and kitchen equipment is a hotel claim, not a factory claim, and we schedule it that way.
Guest premises liability is the everyday exposure: wet tile, a parking-lot trip, a pool if you have one. Pool chemicals, if on site, pull a limited pollution conversation. If amenities such as a spa or an outfitter are contracted to a third party, we want that contractor's certificate — your policy should not silently become theirs.
Liquor liability belongs on the file if you have a bar, room service with alcohol, or banquet pours. Garagekeepers or valet coverage belongs on the file if you take custody of guest vehicles. Cyber belongs on the file because reservation systems and guest records are a breach waiting for a weak password. We do not treat those as optional extras on a 80-key property.
Employment-practices liability is the management line hotels actually use: housekeepers, front desk, and late-night incidents create third-party and employee claims. In Washington, hotel payroll stays with L&I; we place stop-gap and any competitive-state WC for properties or employees outside WA.
Risks we actually schedule
- Guest injury on premises, including pools, parking, and banquet spaces.
- Fire, water, or equipment-breakdown shutdown and the room-night income that disappears with it.
- Liquor-law claims from the bar, banquet, or room service.
- Garagekeepers or valet damage to guest vehicles.
- Reservation-system and guest-data breach response.
Frequently asked questions
Is a hotel written on a BOP?
Some limited-service properties fit a package. Many do not, especially with restaurants, liquor, or larger room counts. We will use a monoline property and casualty structure when the package appetite is the wrong chassis.
Does the brand or franchise require specific limits?
Often yes — property valuation methods, liability limits, and sometimes cyber. Send the brand insurance exhibit with the application so we are not binding a program the flag will reject.
We contract out the restaurant. Do we still need liquor liability?
If the license is in your name, or guests reasonably believe the hotel is pouring, you still have an exposure. We want the operator's certificate and we still discuss your own liquor or contingent placement.
What about a small motel without a restaurant?
It is still a guest-premises and property account. Habitational-style apartments are a different class; transient lodging is what we are writing here. Tell us the average length of stay so we code it correctly.
Related coverage, industries, and locations
Commercial Property
Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.
Coverage detailsGeneral Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsLiquor Liability
Dram-shop and liquor-law liability for restaurants, hotels, and tasting rooms that serve as part of a hospitality operation.
Coverage detailsCyber
Ransomware, data-breach response, forensic IT, notification, and business income after a network event.
Coverage detailsEquipment Breakdown
Boilers, refrigeration, production machinery, diagnostic equipment, and the business income that follows a mechanical failure.
Coverage detailsRestaurant and Food Service
Kitchens, dining rooms, delivery, and liquor — packaged for restaurants that actually cook and serve.
Industry pageProperty Management
Managers of commercial office, retail, and industrial buildings — GL, E&O, EPL, and the owner certificates you issue every week.
Industry pageCommercial Lessors
Owners of office, retail, and light industrial buildings — lessors risk, not a habitational apartment form.
Industry pageNevada
Licensed commercial insurance broker serving Nevada.
State page