A hotel is more than a building with rooms. It is a living, breathing business full of people, activity, and moving parts. With each guest check-in and every busy day, new risks can show up. Hotel owners have much to protect from slips in the lobby and data breaches at checkout
Insurance helps turn significant risks into manageable problems. Let’s explore a few must-have types of hotel insurance coverage that every hotel should consider
Cover the Basics with General Liability
This is the starting point for hotel protection. If a guest is hurt, claims their belongings were damaged, or files a lawsuit after an accident on your property, general liability insurance helps cover the cost. It protects your business from everyday incidents that can happen at any moment.
Get Extra Protection with Hotel Liability Insurance
Hotels face unique risks that go beyond the usual. Someone may damage a room, lose valuables, or fall ill after dining at your restaurant. Hotel liability insurance is designed for these specific situations. It offers broader protection that reflects the real world of running a hotel.
Safeguard Your Space with Property Insurance
Fires, storms, broken pipes, or theft can damage the space where you work and serve guests. Commercial property insurance helps cover the costs to repair or replace your building, furniture, equipment, and supplies, helping you get back to business faster.
Protect Your Team with Workers’ Compensation
Your team keeps the hotel running—from front desk staff to room attendants. Workers’ compensation helps with medical bills and lost income if someone is injured while working. It also shields your business from legal trouble linked to workplace injuries
Stay on Track with Business Interruption Coverage
Unexpected closures can hit your revenue hard. A fire, storm, or significant repair may stop you from welcoming guests. Business interruption insurance helps cover lost income while you work on getting back up and running. It acts like a safety net during tough times.
Defend Your Data with Cyber Insurance
Hotels store personal guest information, credit card details, and online booking records. A cyberattack or data breach can cause serious damage to a business and its guests. Cyber insurance helps cover the cost of restoring systems, alerting customers, and managing legal claims.
Serve Responsibly with Liquor Liability
If your hotel serves alcohol at a bar, restaurant, or event, this coverage matters. If a guest drinks too much and causes harm, your business could be held responsible. Liquor liability insurance helps protect you from claims linked to alcohol service
Running a hotel means offering comfort and safety while preparing for the unexpected. Every guest interaction, employee shift, and property feature brings potential risks. With the right insurance, you can manage those risks and keep your business on solid ground.
Hotel liability insurance plays a key role in this strategy. Along with six other essential coverages, it helps build a strong layer of protection around everything you’ve worked to create.
At GrayStone Insurance Group, we help hotel owners like you find the right coverage for real-world risks. Contact us today at (866) 988-3709 to explore your options for hotel insurance.
Get In Touch
