Start with how the operation works
Hotel insurance should account for the property, people, services, and around-the-clock operations that make hospitality unique. For commercial auto, commercial auto planning matches vehicles, drivers, use, radius, and contracts to the business’s real road exposure.
Operating details to document
- Room count, occupancy, revenue, and amenity schedule
- Building values, renovations, and property-improvement plans
- Pools, food service, shuttle, event, and security procedures
Coverage details to review
- Owned vehicle liability and physical damage
- Hired and non-owned auto exposure
- Driver eligibility, vehicle use, and operating radius
- Cargo, mobile equipment, or special vehicle considerations
Prepare for a More Productive Renewal
A useful review goes beyond selecting a policy name. It connects current information to eligibility, policy structure, and the consequences of a significant loss.
- Begin before the market needs the final submission
- Update values, payroll, sales, fleets, locations, and operations
- Explain losses and improvements with supporting documentation
Guest injuries and premises liability
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Property and equipment damage
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Business interruption and lost income
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Owned vehicle liability and physical damage
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Hired and non-owned auto exposure
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Driver eligibility, vehicle use, and operating radius
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Cargo, mobile equipment, or special vehicle considerations
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Information to have ready
- Room count, occupancy, revenue, and amenity schedule
- Building values, renovations, and property-improvement plans
- Pools, food service, shuttle, event, and security procedures
- Vehicle schedule with use and stated values
- Driver list and driving-record review process
- Operating radius and typical destinations
- Personal, rented, borrowed, and employee-owned vehicle use
Questions for the coverage review
Which amenities create separate liability or auto exposure?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Do values reflect current reconstruction and franchise standards?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
How would a partial closure affect room revenue?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Who may drive on behalf of the business?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Are vehicles taken home or used personally?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Frequently asked questions
Who should use this hotels commercial auto guide?
Business owners and insurance buyers can use it to prepare for a focused review of renewal planning. It is educational guidance, not a quote or a substitute for policy terms.
What information should a hotels account gather first?
Start with room count, occupancy, revenue, and amenity schedule, building values, renovations, and property-improvement plans, pools, food service, shuttle, event, and security procedures, plus currently valued loss information when available.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, exclusions, and policy terms vary by risk and market. Review actual policy documents with an appropriate insurance professional.