Looking for Hotels & Motels Insurance?
Protect your lodging property from guest injuries, property damage, liquor liability, and business interruption. Harper provides comprehensive coverage for hotels, motels, inns, and hospitality properties.
What is Hotels & Motels Insurance?
Hotel and motel insurance protects lodging properties from risks associated with guest stays, property operations, theft, and service-related liability. Coverage typically includes general liability, property insurance, liquor liability, crime coverage, and business interruption. Lenders, franchisors, and management companies require proof of insurance before financing, branding, or management agreements.
Guest Liability Coverage
Protects against claims from guest injuries, slips, falls, or accidents occurring anywhere on hotel property.
Property Protection
Covers buildings, guest rooms, furnishings, equipment, signage, and hospitality assets against damage or loss.
Liquor & Food Service Liability
Protects against alcohol-related incidents and food service claims from bars, restaurants, or room service operations.
Crime & Theft Coverage
Covers losses from employee theft, guest theft, burglary, vandalism, and fraudulent activity.
Business Interruption Coverage
Helps replace lost income and cover ongoing expenses if operations are suspended due to a covered loss.
Certificates
Fast proof of insurance for lenders, franchisors, and management companies.
Who Needs Hotels & Motels Insurance?
- Hotels : Businesses requiring specialized insurance coverage
- Motels : Businesses requiring specialized insurance coverage
- Inns and bed & breakfasts : Businesses requiring specialized insurance coverage
- Extended stay properties : Businesses requiring specialized insurance coverage
Why Harper?
Hospitality Industry Expertise
Harper understands lodging risks including guest safety, theft exposure, alcohol service, and high-traffic property operations.
Fast Proof for Franchisors & Lenders
Brand standards and financing agreements require precise insurance documentation. Harper delivers certificates quickly to meet compliance requirements.
Clear, Straightforward Coverage Explanations
We explain liability, property, liquor, and interruption coverage in plain language so owners know how protection applies day-to-day.
Coverage Matched to Your Property
Whether you operate a limited-service motel or a full-service resort, coverage is aligned to your amenities, services, and guest volume.
Frequently Asked Questions
What insurance do hotels need?
Hotels typically need general liability for guest injuries, property insurance for buildings and contents, liquor liability if serving alcohol, crime coverage for theft, workers compensation, and business interruption coverage.
Is hotel insurance required?
Yes. Lenders require comprehensive property and liability coverage, and franchisors impose specific insurance requirements for branded hotels.
How much does hotel insurance cost?
Small motels often pay $8,000–$20,000 annually. Full-service hotels may pay $25,000–$150,000+ depending on size, amenities, and services.
Does insurance cover guest injuries?
General liability covers guest injuries such as slips, falls, or accidents when proper maintenance, lighting, and safety procedures are in place.
Does insurance cover theft?
Crime coverage protects against theft by employees or guests, while property coverage protects against burglary, vandalism, and break-ins.
Can franchisors be added as additional insureds?
Yes. Franchise agreements often require brand entities to be added as additional insureds. Harper handles certificates and endorsements.