Hotel Insurance
Protect your hotel with flexible and customized insurance strategies designed for the unique risks of the hospitality industry. Hotel insurance can help protect your building, guest rooms, furnishings, employees, income, and liability exposure—so an unexpected loss doesn’t put your entire operation at risk.
Whether you operate an independent hotel, boutique property, motel, extended-stay hotel, limited-service property, or full-service hotel, the right coverage can help protect against common exposures such as guest injuries, fires, water damage, theft, equipment failure, employment-related risks, and temporary business shutdowns.
Below are common coverages hotel owners and operators choose to include. If you need coverage not listed here, don’t hesitate to reach out—we can help build an insurance program around your property, operations, amenities, and budget.
Commercial Property Coverage (Building, Contents & Guest Rooms)
Helps protect the physical property your hotel depends on—including the building, guest-room furnishings, lobby furniture, computers, laundry equipment, kitchen equipment, signage, inventory, and other business property—after a covered loss such as fire, wind, theft, or vandalism. Coverage depends on the policy, limits, deductibles, and endorsements selected.
General Liability (Guest Injury & Premises Claims)
Hotels welcome guests, visitors, vendors, and employees every day. General liability can help protect your business if someone claims they were injured on the property or that your hotel caused damage to their property. Common exposures include slip-and-fall accidents, injuries in hallways or common areas, elevator incidents, and accidents around entrances, restaurants, fitness areas, or other hotel amenities.
Business Interruption (Lost Income After a Covered Loss)
If a covered property loss forces your hotel to close completely or operate at reduced capacity, business interruption coverage can help replace eligible lost income and help pay continuing expenses such as payroll, loan payments, utilities, taxes, and other operating costs while repairs are completed.
Equipment Breakdown (HVAC, Electrical & Hotel Systems)
Hotels depend heavily on HVAC systems, boilers, elevators, refrigeration, electrical equipment, laundry systems, commercial kitchens, and other mechanical equipment. Equipment breakdown coverage can help pay eligible repair or replacement costs following certain mechanical or electrical failures that may not be covered by standard commercial property insurance.
Water Damage & Sewer Backup Coverage
Water losses can affect multiple rooms, floors, and common areas at once. Depending on the policy and endorsements, coverage may be available for certain types of water damage, sewer or drain backup, plumbing failures, and resulting damage to hotel property. Reviewing water-related exclusions and limits is especially important for larger or multi-story properties.
Cyber Liability & Data Breach Coverage
Hotels collect and process sensitive guest information, including names, contact information, reservation details, and payment data. Cyber liability insurance can help address certain expenses related to data breaches, ransomware, network incidents, notification requirements, cyber investigations, and other covered technology-related losses.
Worker’s Comp (Employee Injury Protection)
Hotel employees can face a wide range of workplace hazards, including lifting injuries, slips and falls, cleaning-related accidents, kitchen injuries, maintenance accidents, and repetitive-motion strain. Worker’s compensation helps protect the business and provides eligible benefits when employees suffer work-related injuries or illnesses.
Crime Coverage (Theft, Fraud & Employee Dishonesty)
Hotels handle payments, valuables, inventory, supplies, and frequent financial transactions. Crime coverage can help protect against certain losses involving employee dishonesty, theft, forgery, fraud, or other covered criminal activity.
Commercial Auto / Hired & Non-Owned Auto
If your hotel operates airport shuttles, guest transportation, maintenance vehicles, or company-owned vehicles, commercial auto coverage may be needed. Hired and non-owned auto coverage can also help address liability exposures when rented vehicles or employee-owned vehicles are used for hotel business.
Umbrella / Excess Liability
Hotels may have significant liability exposure because of the number of guests and visitors on the premises. Commercial umbrella or excess liability coverage can provide additional limits above certain underlying policies and can be especially important for hotels with pools, restaurants, bars, event spaces, fitness centers, transportation services, or other higher-risk amenities.
Quick Answers People Search For:
What does hotel insurance cover?
Hotel insurance typically combines commercial property, general liability, business interruption, worker’s compensation, and other coverages based on the property’s operations. Hotels may also need cyber liability, equipment breakdown, crime, commercial auto, liquor liability, umbrella liability, and coverage for specific amenities.
Do hotels need general liability insurance?
General liability is an important part of most hotel insurance programs because hotels have continuous guest and visitor traffic. It can help protect against covered claims involving bodily injury, property damage, and other premises-related liability exposures.
How much hotel insurance do I need?
A strong starting point is insuring the building and contents to appropriate replacement values, selecting liability limits based on occupancy and amenities, and carrying enough business interruption coverage to help protect hotel income and continuing expenses after a significant covered loss. The appropriate limits depend on the property, location, revenue, construction, operations, and individual risk profile.
At StarNet Insurance Group, we make hotel insurance clear and practical — helping hotel owners protect their property, guests, employees, revenue, and long-term investment with confidence.
