Hotel and Motel Insurance Coverage

Hotel and motel operators face unique challenges every day. From guest injuries to property damage, Harper Insurance understands the complex risks that hospitality businesses encounter while providing accommodations, managing facilities, and ensuring guest satisfaction in competitive lodging markets.

Our comprehensive hotel and motel insurance policies are specifically designed for independent properties, chain affiliates, boutique hotels, and roadside motels. Whether you operate a single property or manage multiple hospitality locations, we provide tailored coverage solutions that protect your facilities, guests, and hospitality operations.

Essential Hotel and Motel Insurance Types

General Liability Insurance

Protects against guest injuries, slip-and-fall accidents, and property damage claims occurring throughout your property. Essential coverage for premises liability, swimming pool accidents, and guest-related incidents during stays.

Commercial Property Insurance

Comprehensive coverage for buildings, guest room furnishings, equipment, and business property. Protects against fire, theft, vandalism, and natural disasters that could damage your facility and disrupt operations.

Liquor Liability Insurance

Specialized coverage for properties serving alcoholic beverages in restaurants, bars, or hospitality areas. Protects against liability claims arising from alcohol service including overservice allegations and guest incidents.

Business Interruption Insurance

Replaces lost income and covers ongoing expenses when covered property damage forces closure or reduces occupancy. Essential protection for maintaining cash flow during renovations or unexpected shutdowns.

Workers' Compensation Insurance

Mandatory coverage for employee injuries while providing guest services, maintaining facilities, and performing hospitality duties. Covers medical expenses and lost wages for workplace injuries and accidents.

Cyber Liability Insurance

Protects against data breaches affecting guest information, credit card data, and reservation systems. Covers notification costs, credit monitoring, and regulatory compliance expenses from cybersecurity incidents.

Commercial Crime Insurance

Protection against theft of guest belongings, employee dishonesty, and robbery incidents. Essential for hotels handling guest valuables, cash transactions, and expensive property equipment.

Pool and Spa Liability Insurance

Enhanced coverage for swimming pools, hot tubs, and recreational water features including drowning incidents, chemical exposure claims, and pool equipment-related injuries affecting guests.

Hotel and Motel Properties We Serve

Independent Hotels & Motels
Comprehensive protection for owner-operated properties including boutique hotels, roadside motels, and independent lodging facilities with flexible coverage options for unique property characteristics.

Chain & Franchise Properties
Coverage meeting franchisor requirements including brand protection standards, corporate liability limits, and franchise-specific operational protections while maintaining local management flexibility.

Extended Stay Properties
Enhanced coverage for long-term accommodation facilities including kitchenette liability, extended guest relationships, and specialized coverage for residential-style lodging services.

Resort & Destination Properties
Specialized protection for vacation properties including recreational activities, event hosting, and seasonal operations with enhanced liability limits for resort amenities and guest activities.

Budget & Economy Lodging
Cost-effective coverage for value-oriented properties including essential liability protection, property coverage, and operational insurance suited for economy lodging business models.

Bed & Breakfast Operations
Tailored coverage for small hospitality operations including food service liability, residential property conversion, and intimate guest service operations with specialized B&B protections.

Hotel and Motel Risk Factors

Guest Safety & Premises Liability
Slip-and-fall accidents, swimming pool drownings, balcony falls, and elevator incidents that can result in serious guest injuries and significant liability claims against the property.

Security & Crime Exposures
Guest room break-ins, theft of guest property, assault incidents, and inadequate security allegations that can result in guest safety claims and property liability exposure.

Food Service & Restaurant Risks
Food poisoning from on-site dining, alcohol-related incidents, kitchen fires, and restaurant operations that can affect guest health and create additional liability exposures.

Property Damage & Maintenance Issues
Water damage from plumbing failures, fire incidents, HVAC system problems, and deferred maintenance issues that can damage guest rooms and create unsafe conditions.

Cyber Security & Data Breaches
Payment card data theft, reservation system hacks, guest information breaches, and technology failures affecting guest privacy and creating regulatory compliance obligations.

Seasonal & Economic Challenges
Occupancy rate fluctuations, seasonal revenue variations, economic downturns affecting travel, and competitive market pressures impacting profitability and operational sustainability.

Get Your Hotel and Motel Insurance Quote

Protect your hospitality business with comprehensive coverage designed for your industry. Our experienced agents understand lodging risks and will work with you to build a protection plan that covers your specific property, guests, and hospitality operations.

Key Benefits of Working with Harper:

• Specialized hospitality expertise
• Guest safety risk management
• Property-specific coverage options
• Expert hospitality claims handling
• Coverage for diverse amenities

Ready to protect your hotel or motel business? Contact Harper Insurance today for a comprehensive quote tailored to your lodging operations and guest service requirements.