Why this coverage matters for hotels
Hotel insurance should account for the property, people, services, and around-the-clock operations that make hospitality unique. General liability can respond to common allegations involving bodily injury, property damage, products, completed work, and personal or advertising injury, subject to the policy.
Industry exposures to review
- Guest injuries and premises liability
- Property and equipment damage
- Business interruption and lost income
Coverage details to discuss
- Premises and ongoing operations liability
- Products and completed operations where applicable
- Contractual requirements and additional insured obligations
- Defense costs, occurrence limits, aggregates, and deductibles
Build a stronger submission
Accurate, current information helps distinguish the operation and supports a more useful coverage discussion.
- Room count, occupancy, revenue, and amenity schedule
- Building values, renovations, and property-improvement plans
- Pools, food service, shuttle, event, and security procedures
- Annual revenue and a clear description of operations
- Customer-facing activities and off-premises work
- Contracts, leases, and certificate requirements
- Currently valued loss history when available
Questions the review should answer
Which amenities create separate liability or auto exposure?
The answer helps clarify exposure, program structure, limits, and the appropriate quote path.
Do values reflect current reconstruction and franchise standards?
The answer helps clarify exposure, program structure, limits, and the appropriate quote path.
How would a partial closure affect room revenue?
The answer helps clarify exposure, program structure, limits, and the appropriate quote path.
Do all disclosed activities fit the policy classification?
The answer helps clarify exposure, program structure, limits, and the appropriate quote path.
Which contracts require special limits or endorsements?
The answer helps clarify exposure, program structure, limits, and the appropriate quote path.
Could one occurrence affect multiple people or properties?
The answer helps clarify exposure, program structure, limits, and the appropriate quote path.
Frequently asked questions
Why should hotels review general liability separately?
Hotels combine guest rooms, amenities, employees, restaurants, pools, shuttles, events, franchise requirements, and continuous occupancy. A separate coverage review helps connect those operating details to appropriate limits, deductibles, exclusions, and policy terms.
What information helps prepare a hotels insurance submission?
Useful information includes room count, occupancy, revenue, and amenity schedule, building values, renovations, and property-improvement plans, pools, food service, shuttle, event, and security procedures, along with currently valued loss history 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.