Connect coverage to the actual operation
Full-service hotels combine lodging with food, alcohol, meetings, recreation, vendors, valet, security, and substantial building systems. Each operation should be visible rather than compressed into room count alone.
Risks to review
- Guest, event, liquor, pool, and premises liability
- Kitchen, laundry, boiler, electrical, and equipment loss
- Large property and income concentrations
- Cyber, employment, crime, and umbrella severity
Information to prepare
- Rooms, occupancy, revenue by department, and event activity
- Restaurants, bars, pools, spas, valet, shuttle, and recreation
- Buildings, contents, equipment, income, and franchise values
- Safety, security, maintenance, contracts, and losses
Frequently asked questions
Should hotel restaurants and bars be disclosed separately?
Yes. Food, alcohol, hours, entertainment, sales, employees, and kitchen protection can materially affect liability and property underwriting.
How should meeting and event space be evaluated?
Capacity, event types, alcohol, security, vendors, contracts, temporary structures, and the frequency of public gatherings should be documented.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.