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 workers' compensation, workers’ compensation planning should reflect actual duties, payroll, locations, supervision, and workplace controls.
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
- Employee classifications and payroll estimates
- Medical and lost-wage benefits for covered injuries
- Employer liability limits
- Multi-state work, subcontractor, and return-to-work considerations
Understand the Factors That Can Affect Cost
A useful review goes beyond selecting a policy name. It connects current information to eligibility, policy structure, and the consequences of a significant loss.
- Separate controllable operating factors from market conditions
- Test how limits, deductibles, and valuations affect the program
- Document risk controls that distinguish the account
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.
Employee classifications and payroll estimates
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Medical and lost-wage benefits for covered injuries
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Employer liability limits
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Multi-state work, subcontractor, and return-to-work 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
- Payroll by employee duty and location
- Employee counts, shifts, and seasonal changes
- Subcontractor certificates and payment records
- Loss runs and workplace safety procedures
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.
Are employees classified by what they actually do?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Do employees travel or work in more than one state?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Frequently asked questions
Who should use this hotels workers' compensation guide?
Business owners and insurance buyers can use it to prepare for a focused review of cost and eligibility. 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.