Hotel Insurance

Owning and operating a hotel can be a rewarding endeavor. However, hotel operators have to manage numerous exposures related to lodging, and many offer amenities—including pools, exercise facilities, bars and restaurants—that can dramatically increase the number of insurable risks.

These challenges are magnified when you consider that risks related to property damage, equipment breakdowns, crime and liquor liability must also be addressed. Hotels are open to a wide range of risks that make them vulnerable to lawsuits or other liabilities. We always would recommend you calling a local independent insurance agent like us, and discussing your coverage options.

Some Claims Scenarios To Get You Thinking About Coverages or Exposures for your Hotel

Have a lobby bar, restaurant, or coffee shop on your premises? What happens if an employee is injured, burned, or over-serves a patrol or hotel guest?

What happens in the event you are unable to open your hotel due to a claim or, in Florida, a Hurricane? This in most cases would cause a major hardship for you as a business owner. You wouldn’t be able to serve your customers which in turn means no income coming in.

What if you experience a cyber attack (or hack attack) and your credit card machines are down for an extended period of time? That would really halt operations.

See, things like this happen every day in our world. Although they might not happen every day in yours, our job is to make sure you are protected for the “what if”.

For more information on some coverages for restaurants, check our our blog post on coverages and insurance terminology relevant to you.

A professional team to work along-side you and answer your questions

Is that really too much to ask for? Our team at Merrill Insurance will work with you from start to finish to listen, answer any questions you may have, and help you secure quotes for coverages that are relevant to you. After your policy is in place, we don’t go away.