Property of Others Coverage
Specialized bailee coverage protecting guest belongings, luggage, and personal property while in your care, custody, or control at your hospitality property.
Assault & Battery Protection
Critical coverage for violent incidents that can occur in hospitality environments, protecting against claims from altercations involving guests or staff.
Flood & Water Damage
Enhanced property protection including flood and water damage coverage for hospitality properties with comprehensive building and equipment protection.
Equipment Breakdown
Comprehensive coverage for HVAC systems, elevators, kitchen equipment, and other critical hospitality equipment that keeps your property operational.
Why Hotels Need Specialized Coverage
Standard business insurance lacks the specialized protections that hotels, motels, and hospitality businesses require for their unique guest-focused operations and property exposures.
Standard Business Insurance
- No Property of Others coverage
- Limited guest protection
- No assault & battery coverage
- Basic water damage protection
- Limited equipment breakdown
- No hospitality expertise
Our Hospitality Coverage
- Property of Others/Bailee coverage
- Comprehensive guest protection
- Assault & battery liability
- Flood and water damage coverage
- Equipment breakdown included
- Hospitality industry expertise
Hotel & Hospitality Insurance Complete Guide
What is Hotel & Motel Insurance?
Hotel and motel insurance provides specialized coverage for hospitality businesses, including general liability, Property of Others coverage for guest belongings, assault and battery protection, and enhanced property coverage designed for the unique risks of hospitality operations.
Why Do Hotels Need Specialized Coverage?
- Guest Property Liability: Legal responsibility for guest belongings while in your care, custody, or control
- High Guest Volume: Increased liability exposure from large numbers of guests and visitors
- Security Risks: Potential for theft, assault, and other security-related incidents
- Property Exposures: Water damage, equipment breakdown, and property risks specific to hospitality
- 24/7 Operations: Round-the-clock operations create continuous liability exposure
Who Needs Hotel Insurance?
- Hotels: Full-service hotels and resort properties with guest accommodations
- Motels: Motor lodges and roadside accommodation facilities
- Inns: Smaller hospitality properties and boutique accommodations
- Bed & Breakfasts: Small hospitality operations with personal service focus
- Extended Stay Properties: Long-term accommodation facilities
- Vacation Rentals: Short-term rental properties and hospitality services
Coverage Features and Limits
Our hospitality coverage includes $1M/$3M Business Liability limits with umbrella coverage available. The policy features Property of Others/Bailee coverage for guest belongings, assault and battery liability protection, enhanced property coverage including flood and water damage, and comprehensive equipment breakdown coverage for hospitality-specific equipment.
Property of Others/Bailee Coverage
Critical protection for guest belongings, luggage, vehicles, and personal property while in your care, custody, or control. This specialized coverage addresses the unique liability hospitality businesses face for guest property, which standard business insurance typically excludes.
Assault & Battery Protection
Specialized coverage for violent incidents that can occur in hospitality environments. This protection covers legal defense and damages from altercations involving guests, staff, or third parties on your property, addressing a significant liability exposure in the hospitality industry.
Enhanced Property Protection
Comprehensive property coverage including flood and water damage protection, equipment breakdown coverage for HVAC systems, elevators, and kitchen equipment, and enhanced building protection designed for the specific needs of hospitality properties.
Berkshire Hathaway Financial Strength
Our coverage is backed by Berkshire Hathaway, providing exceptional financial stability and claims-paying ability. This ensures your hospitality business has reliable protection with industry-leading financial strength behind your policy.
Geographic Coverage
Available in 24 states with ongoing expansion. Our industry-specific coverage for hospitality exposures ensures comprehensive protection tailored to the unique risks and operational needs of hotels, motels, and hospitality businesses.