What distinguishes hotel and motel insurance cover from other business insurances?

Hospitality insurance differs from other business insurances because the industry faces a greater number of risks. A hotel or motel operator's policy (BOP) should cover property and assets, protect against liability and keep you in compliance with state and federal regulations for employers. Our knowledgeable agent can tailor a hotel and motel insurance package to meet your business needs.

Liability coverage for hotels and motels

Restaurant owners face a high risk of liability, due to the nature of the company. It is important that you have adequate liability insurance to protect your hotel or motel. Types of liability protection that you may want to include in your BOP include:

• General Liability: If guests are injured or their property is damaged in the hotel area, this coverage may protect your business.
• Cyber ​​Liability:
• This can provide liability protection in the event of a data breach that allows criminals to access your guests' personal information, including names, addresses and credit card numbers.
• Employee compensation: Employers are required by law to take out this insurance. It covers healthcare costs and compensates for lost wages for workers injured at work.
• Commercial car: Liability coverage under a commercial car insurance can protect your hospitality business if a company vehicle, such as a transfer or limousine, is involved in a crash.
• Responsibility for recruitment procedures: Turnover is high in the hotel industry, and litigation for employees is not uncommon. Liability insurance for employment methods protects your company from lawsuits filed by employees due to discrimination or harassment.
• Local Pollution Liability: This coverage begins if guests are exposed to mold or airborne contaminants on site and become ill. It helps to pay for medical bills, cleaning costs, etc.
• Liquor liability : If your hotel has a bar or serves alcoholic beverages, alcohol liability insurance is a must. It protects your business from liability if a drunk guest causes bodily injury or property damage.
• Responsibility for foodborne illness: You will need this coverage if your hotel has a restaurant or room service. It protects you from responsibility for foodborne illnesses, such as Salmonella or E. coli.