Hotels and Inns Insurance
Lodging combines a large building, around-the-clock guest exposure, amenities, and employment practices in one risk.
How this coverage works
Coverage built around your operations
Lodging combines a large building, around-the-clock guest exposure, amenities, and employment practices in one risk.
Insurance for hotels and inns is usually assembled from several policies, rather than one policy that covers everything. Locations, services, employees and contracts shape which coverage forms should be reviewed together.
Exposures that deserve attention
Common review topics include guest injury in rooms, pools, fitness areas, and parking; building and contents values with catastrophe exposure; business income and extra expense after a shutdown; guest data and payment card handling. Disclose changes in these activities so the insurance description stays aligned with your actual work.
Compare the details, not just the premium
Have current policies, loss runs and contract requirements ready. We can help compare deductibles, exclusions, valuation, claims reporting and coverage limits. Carrier eligibility and state availability vary, and coverage begins only after binding is confirmed.
Details to review
- Room count, amenities, and pool or shuttle operations
- Building construction, roof age, and sprinkler protection
- Security staffing and incident reporting procedures
- Years in operation and ownership experience
- Annual revenue and payroll by role
- Prior loss history for the last three to five years
- Contract insurance requirements you must satisfy
What the coverage includes
Coverage names, terms, and availability vary by insurance carrier and state. These descriptions are educational and are not a policy contract.
Common optional add-ons
Endorsements change what a policy covers. Availability differs by insurance carrier and state.
Spoilage and refrigeration breakdown
Ask about perishable inventory, qualifying equipment failures, utility interruption and any temperature-monitoring requirements.
Food contamination and recall
Specialty forms may address certain contamination, withdrawal or shutdown expenses; triggers and sublimits need individual review.
Liquor liability
Businesses that sell, serve or furnish alcohol may need separate liquor liability rather than relying on general liability.
Outdoor property and guest amenities
Review signage, patio furniture, pools and other amenities; property and liability treatment varies by operation.
Who this is generally written for
Eligibility is set by each insurance carrier and can differ by state. Nothing here is a guarantee of eligibility or coverage.
Commonly a good fit
- Owners and operators of hotels and inns seeking a coordinated coverage review
- Established operations with current policies approaching renewal
- New businesses with a clear operating plan, budget and required licenses
- Businesses preparing proof of insurance for a landlord, client or lender
- Organizations adding staff, locations or equipment and reviewing existing limits
Worth a conversation first
- Room count, amenities, and pool or shuttle operations
- Building construction, roof age, and sprinkler protection
- Prior claims, canceled coverage or a lapse in insurance
- Subcontracted work, temporary staff or unusual contractual obligations
- New services, interstate operations or high-hazard activities
Availability varies by state
State regulation notice
- Monopolistic workers compensation states
- A small number of states require workers compensation through a state fund rather than a private insurance carrier.
- Catastrophe-exposed regions
- Coastal wind, wildfire, and earthquake exposures often require separate deductibles, sublimits, or specialty markets.
- Licensed trades and permits
- Some states and municipalities require specific bond forms or minimum liability limits before a permit is issued.
Frequently asked questions
Coverage that often comes up next
Related coverage worth reviewing at the same time. Nothing is added without your direction.
- Commercial PackageA Commercial Package Policy assembles individually underwritten coverage parts into one policy, giving larger or more complex businesses control a packaged BOP cannot provide.Learn more
- Commercial PropertyCommercial property coverage responds to physical damage to the buildings, contents, and improvements your business depends on to operate.Learn more
- Business IncomeBusiness income coverage addresses the financial consequence of a property loss: the revenue you cannot earn and the extra costs you incur while operations are restored.Learn more
- Cyber LiabilityCyber coverage addresses the cost of responding to a security incident and the liability that follows when data you hold is exposed.Learn more
A coordinated industry coverage review
Review these policies together for overlapping terms, gaps and contractual requirements. Nothing is added without your direction.
- Commercial Package
- Commercial Property
- Business Income
- Cyber Liability
- Employment Practices
- Employment PracticesEPLI responds to claims brought by employees and applicants alleging wrongful employment practices, which general liability and workers compensation do not cover.Learn more
Ready to compare your options?
Start online in a few minutes or speak with a licensed insurance professional. There is no obligation, and quoting does not bind coverage.
Insurance coverage is not bound or effective unless and until it has been confirmed in writing by TruvaLink Insurance Agency or an authorized representative of the applicable insurance carrier. Submission of a quote request, application, payment, or other information does not guarantee coverage or constitute proof of insurance.