Food & hospitality

Hotels & motels

Lodging operators from limited-service motels to full-service hotels and resorts.

Why it needs cover

The exposure

High guest volume creates slip-and-fall, guest-property, liquor, pool, and assault exposures, alongside large commercial property values. Amenities (pool, bar, shuttle, spa) each add a distinct claims category.

What we place

Coverages this class usually needs

Commercial propertyRequired (lender)

Building, contents, FF&ELarge property values

General liabilityRequired (contract)

Guest injury and third-party claimsHigh guest volume

Liquor liabilityOften

Bar/restaurant alcohol serviceOn-site alcohol

Commercial umbrellaOften (lender)

Excess limits matched to property valuesSeverity exposure

Workers' compensationRequired (with employees)

Staff injuriesHousekeeping/maintenance

Equipment breakdown / business interruptionOptional

System failure and lost revenueRevenue continuity

What it costs

National benchmark premiums

Rated on: Per available room and revenue

General liability

general liability can start around $67/mo for a small motel/B&B; full-service is far higher

BOP

BOP starts around $2,134/yr

Workers' comp

varies by payroll; property is 30-40% of a hotel's total insurance spend

Total annual (typical)

small hotel/motel (<=50 rooms) $20,000-$60,000/yr; insurance averages about 1.0% of revenue or roughly $671 per available room; $50,000-$300,000+ overall

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: CBRE via ProgramBusiness; CPK Insurance; Insuranceopedia; Tivly.

When it goes E&S

Where this risk gets hard to place

Coastal wind, wildfire (California), older frame construction, crime/assault loss history, and large property values frequently push habitational/hospitality property to E&S.

Contact

Talk to us about Hotels & motels.

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