Hotel Insurance Coverage
OK. You’re a hospitality industry professional or you wouldn’t be visiting here. Our insurance brokers understand your business, so WELCOME! You’re definitely in the right place to find all that you need to reduce your risk exposures, limit losses, cut costs, improve your cash flow and grow your bottom line.
Together, we’ll work with you to provide the safest and most satisfactory experience possible for your guests and their visitors, plus protect your staff and property. In addition to your peace of mind knowing that your risk exposures are adequately covered, you will more likely enjoy top ratings on internet travel websites.
Our Hotel Insurance Customer Profiles
Regardless of size, we serve hotels, motels, resorts and conference centers in the state of Virginia. You are guaranteed the professional attention of a local, independently owned insurance agency armed with a wealth of experience serving hospitality industry clients.
That means access to a vast array of insurance companies to match your unique needs. Together, our insurance brokers will analyze your requirements and match solutions that work for you, always with an eye to maximize your protection and minimize your cost.
You may fit one or another of the following hospitality industry profiles:
- Boutique hotels
- Company-owned or franchised properties
- Conference centers
- Destination resorts
- Private-label properties
Your Risk Exposures
As a hotel owner you need to be prepared for the potential of high profile lawsuits that the hospitality industry endures every year.
Additionally, at a minimum, you need to seek coverage for the following:
Protect your business from injuries or property damage sustained by guests while on your hotel’s property. While your building(s) are most likely your most significant investment, you are far more likely to suffer a liability claim. Consider the exposure from a trip-and-fall in your parking lot by a guest, injuries in your fitness center or food-borne illnesses.
General Property Coverage
In addition to exposure to your building and contents, your hotel is potentially subject to a variety of losses including theft, vandalism, fire, natural disasters and other catastrophic events. General property coverage will help compensate you for losses to such things as furniture, electronics, interior decorations, carpeting, and amenities.
Does your hotel include a bar serving alcoholic beverages? If so, you’ll need liquor liability insurance to protect you if a guest becomes intoxicated, due to your negligence in serving alcohol, and causes property damage or bodily harm to themselves or others.