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Hotel & Motel by Legacy Insurance

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Hotel & Motel provided by Legacy Insurance

Hotels provide guests with many services, and each one a hotel offers exposes the hotel to certain potential risks. Almost any hotel, for instance, might be sued by a guest who’s injured while spending the night or could have property damaged during a burglary.

What is Hotel & Motel Hospitality Insurance ?

Hotels provide guests with many services, and each one a hotel offers exposes the hotel to certain potential risks. Almost any hotel, for instance, might be sued by a guest who’s injured while spending the night or could have property damaged during a burglary. Hospitality insurance is different from other business insurance because the industry faces a broader range of risks. A hotel or motel business owner’s policy (BOP) should cover property and assets, protect against liability, and keep you in compliance with state and federal employment regulations. Our knowledgeable agent can custom-tailor a hotel and motel hospitality insurance package that meets your business needs.

What is covered under Hotel & Motel Hospitality Insurance ?

A hotel or motel is a significant financial investment. Protecting your business against property and income losses makes good business sense. Types of hotel and motel insurance coverage you may need may include:

  • General property: In case of theft, vandalism, fire, or other perils
  • Business interruption: If you are forced to close because of a covered event
  • Equipment breakdown: To repair damage and replace lost income
  • Food spoilage: To protect you from financial loss in case a power failure or equipment breakdown causes food to spoil
  • Utility interruption: To compensate your business for losses caused by a sustained utility outage
  • Crime: To protect you from losses caused by guest or employee theft 

The cost of hotel and motel hospitality insurance can vary widely, depending on several factors, including the location and size of your hospitality business and the types of services you offer. Our experienced agent can help you find the right coverage at the best available rates. 

The Importance of Hotel & Motel Hospitality Insurance

Whether you’re running a 5-star hotel that caters to pop stars or a nightly motel that caters to late-night travelers, your hotel business will face its fair share of risks. And with those risks comes a need to protect your business and all that comes with it. There are many different liability risks faced by the owners and managers of hotels and other hospitality businesses. Therefore, having sufficient hotel liability insurance is vital to keeping your business financially healthy. Hotel-motel insurance is a specific type of insurance policy or BOP tailored to meet your business’s unique coverage needs. There are several different coverage options available, which help give you the freedom to build a portfolio of coverages that‘s just right for your specific needs. 

Already have Hotel & Motel? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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