There are many benefits of being in the hotel industry. You get to know your patrons as guests and friends as well as provide them a comfortable refuge while they’re passing through. Often times, they look forward to visiting your hotel because it is a place for them to unwind after a long day in the office or on the road. We can help you protect not only your building, but also your staff, guests and other property with the right hotel insurance policy in Arizona.
When looking for a company to insure your hotel or motel, it is important to consider not only the cost of the policy, but the coverage the policy gives you. The cost of your insurance policy will vary depending on things like whether or not you have a swimming pool, if units have cooking facilities, if the building(s) have elevators and even how much you charge per night.
Types of businesses covered:
- Boutique hotels
- Company-owned or franchised properties
- Conference centers
- Destination resorts
- Private-label properties
Some coverage options can include:
- Business Property Insurance
- Business Liability Insurance
- Business Crime Insurance
- Guests’ Property Coverage
- Innkeepers’ insurance
- Liquor liability insurance
So, whether you own a simple 2 bedroom boutique hotel or run an amenity heavy destination resort, Insurance Brokers of Arizona® can help you find the right insurance coverage for your hotel or motel in Arizona.
Frequently Asked Questions about Hotel & Motel Insurance
Can hotel insurance cover guest injuries on the property?
General liability insurance may respond to certain covered claims involving bodily injury or property damage. Coverage depends on the circumstances, policy terms, exclusions, limits, and deductible.
Are guests’ belongings covered if they are stolen or damaged?
Coverage involving guest property depends on how the loss occurred and the policy’s terms. Hotels and motels should review their responsibilities for belongings kept in rooms, safes, storage areas, or employee custody.
Does hotel insurance cover swimming pools and other amenities?
Pools, fitness centers, restaurants, shuttle services, conference spaces, and other amenities can introduce additional risks. Arizona lodging businesses should disclose every facility and service when requesting coverage.
Can insurance cover lost income after property damage?
Business income coverage may be available when operations are interrupted by a qualifying covered loss. Waiting periods, limits, covered expenses, and restoration requirements vary by policy.
Do hotels need cyber liability insurance?
Hotels may collect payment details, identification, reservation data, and other sensitive information. Cyber insurance may be available for certain expenses and liabilities arising from covered data breaches or cyberattacks.
