Hotels

We specialize in Hotel and Hospitality Insurance Solutions

Insurance is one of the fastest-growing expenses for hotel owners and managers. At the same time, appropriate Property coverage is becoming increasingly more important. The National Condo & Apartment Insurance Group can help you find the right coverage at the right cost.

Insurance solutions for the Hospitality industry provide owners and manager of hotels, motels, spas and resorts with the coverage necessary to protect you from the unique needs of the industry.

Insurance packages specific to the needs of Hotel owners

We specialize in providing you insurance solutions that are specific to the needs of hotel and motel owners and managers. 

The most common coverage included in a Hotel Insurance policy can often be categorized into the following:

  • Property Section - in this section, you will find coverage for common property liabilities, including flood, earthquake, wind, builder's risk, crime, flood clean-up expenses and business interruption
  • Casualty- the casualty section of the solution will often include general liability, business auto, excess liability, liquor liability and umbrella coverage
  • Worker's Compensation - don't underestimate the need for insurance protection against job injury for your resort, hotel or motel employees

Additional Liability Coverages

If you own or manage a hotel, motel, spa or other building in the Hospitality Industry, you need to be aware of some other key areas of liability that require insurance coverage.  These include:

  • Pollution-related - includes clean-up, business interruption and coverage for storage of pollutants
  • Umbrella coverage -  includes coverage in the millions if necessary per person for people for special coverage needs
  • Employment practices liability- this coverage often includes protection against guest claims, prior acts, accidental death and dismemberment
  • Special Events - coverage for events such as trail rides at ranches or fitness classes at spas should have special coverage
  • Resort insurance policy add-ons - catered events, meetings, restaurants, pools, gift shops and lounges can all be covered under resort policies so long as they are part of the normal operations of the resort, hotel or motel