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Hotel Insurance
Comprehensive guides, expert insights, and practical advice about Hotel Insurance coverage options. Get the knowledge you need to make informed insurance decisions.
Hotel Insurance articles
Everything you need to know about Hotel Insurance coverage, benefits, and protection strategies
Historic Hotels & Country Inns: Why Standard Insurance Fails
Why historic hotels and country inns get rejected by standard markets, the ITV gap that wrecks claims, and the AmWins and Normandy programs built for them.
Hotel Workers' Comp: Why Hospitality Is High-Risk
Why hotels run above-average WC risk, which class codes apply (9052, 9058, 8868, 9015), and the loss-control programs that drive premiums down.
Hotel Spa & Salon Liability: Abuse & Pro Coverage
Why hotel spas and salons need professional liability, abuse & molestation, and pesticide coverage beyond standard GL — and what the AmWins program includes.
The Hotel Insurance Submission Checklist for Underwriters
Exactly what goes in a hotel insurance submission: ACORD forms, 5-year loss runs, Resort Comprehensive Profile, amenity supplementals, and underwriter timelines.
AmWins Destination Resorts Program: A Hotelier's Guide
A deep dive on the AmWins Program Underwriters Destination Resorts & Hotels program — eligibility, included coverages, $25K minimum, and how to access it.
Coastal & Beachfront Resort Insurance: Wind, Flood & Storm
Why coastal hotels need wind-only, flood, and named-storm coverage your standard property policy excludes — and which specialty carriers write it.
Hotel Cyber Insurance: Protecting Your PMS, POS & Data
Hotel cyber insurance covers PMS breaches, POS card compromise, ransomware, and guest-data lawsuits. Here is what coverage actually responds to a hospitality breach.
Boutique Hotel Insurance vs Standard: Which Do You Need?
Boutique hotel insurance and standard hotel BOPs aren't the same product. Here's how to tell which one your independent property actually needs.
Hotel Liquor Liability: Why Standard GL Won't Cover It
Standard general liability excludes alcohol claims. Here's why every hotel that serves a drop of alcohol needs dedicated liquor liability coverage in 2026.
How Much Does Hotel & Resort Insurance Cost in 2026?
Hotel and destination resort insurance ranges from $15K to $250K+ annually. Here's exactly what drives premium in 2026 — and where boutique hotels fit.