Hotels & Motels

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Hotel Insurance & Motel Insurance

Available in all 50 states!

We want your business to thrive. Bankers is dedicated to the hospitality industry and offers hotel insurance, motel insurance, plus coverage for resorts and conference centers. As a leading independent insurance agency, our hospitality program is booked to capacity with hotel and motel insurance companies. We will shop your insurance for you and present your best options. In addition, our program is packed with value-added business tools and services to help you reduce costs, run efficiently, and grow your bottom line.

Why wait until your policy renews?  Call (877) 606-1375 today.

Hotel / Motel Insurance Program

Bankers offers tailor-made packages for less. If your premises has a pool, spa, or golf club, we have you covered. We can insure your business contents inside and outside along with liability for your guests and workers compensation for your employees.  Many optional coverages are available as well.

We offer

  • Best prices in the industry
  • Many insurance companies that specialize in hotel insurance
  • Tailored packages for your unique business
  • Expertise with prompt, courteous service. Each one of our clients is assigned an insurance agent in our office and provided their phone number that rings right on their desk.
  • Safety management services

 We can insure

  • Hotels, Motels, Resorts, Conference Centers
  • Coastal buildings
  • All amenities such as pools, spas, golf courses, and fitness centers
  • All properties on a single policy or separate
  • Business income, actual loss sustained, for 12, 18, or even 24 months
  • Hired and non-owned auto liability
  • Workers’ Compensation

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At Bankers Insurance, the client is always in control.

Attend to your guests.  Let Bankers take care of your hotel insurance needs.

Bankers offers hotel insurance from many national and regional carriers.  We will shop your coverage and present you with the best quotes.  Every business is different.  How much and what kind of insurance coverage suits your needs?  Let us answer your your toughest insurance questions.

Each hotel insurance package is custom-made.  We can include:

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Hotel & Motel Risk Exposures


Exposures are due to the high combustibility of contents and the multiple sources of ignition. Electrical wiring, plumbing, and heating systems must be adequate and meet current code. Smoke detectors should be installed in all guest rooms and common areas. Cooking equipment must meet all NFPA requirements. Flammables should be stored properly. Business Interruption exposure can be substantial due to lack of backup facilities and the seasonality of some motel operations.


Exposure includes Employee Dishonesty, Money and Securities, and Lock Box. Cashiers’ drawers should be kept stripped with regular deposits made throughout the day. A minimal amount of cash should be kept overnight. Monetary transactions must be monitored and audited on a regular basis to prevent employee theft. Money-handling responsibilities should be separated, with no employee handling both receivables and disbursements. References and background checks should be conducted on all employees. Guest property coverage is important to protect guests’ property from theft by employees, other guests, or trespassers. Coverage is provided for each room and for items in lock deposit box. Controls should be in place to verify guest identity before permitting access to lock boxes.

Inland Marine

Exposure comes from Accounts Receivable, Computers and Valuable Papers and Records. Duplicates must be made and stored off site for easy restoration. Additional exposures are present depending on the motel. There may be Contractors’ Equipment for exterior maintenance; Commercial Articles Floater for cameras, audio visual equipment and musical instruments; or a special floater for items used off site.

Premises Liability

Exposure is high due to the number of guests on premises. The operation should meet all life safety codes to assure guest safety. Stairways, railings, and floor coverings should be in good condition. Exits should be clearly marked and free of obstacles. Adequate lighting should be available in the event of a power outage. Balconies should be regularly inspected and maintained. Access to rooms should be through an electronic keying system that changes the access codes for each guest. Employees who have access to universal access codes and cards should be monitored for the protection of the guests. Personal injury losses may occur due to alleged wrongful eviction, invasion of privacy, or discrimination. Services and recreational facilities offered to guests, such as exercise rooms, swimming pools, laundry facilities, gift shops, barber, beauty and other personal services will require separate review.

Products Liability

Exposures can be high if the motel has a restaurant or lounge. Employees should be trained in the proper handling of consumables to prevent food poisoning or the spread of other transmissible diseases. Other product liability exposures can arise from vending machines and gift shops.

Automobile Liability

Exposure is not common with motels. Some motels may contract with a service to transport clients to and from their premises. It is important to determine the contractual relationship between the motel and the transportation service.

Workers Compensation

Exposures can be high. Cleaning and maintenance operations can cause workers to experience lung, eye or skin irritations and reactions. Slip and falls, as well as lifting, back injury, hernia, sprain and strain, are all common occurrences. Parking lot and sidewalk snow removal may be handled by employees or outside contractors. If employees are responsible, there are potentials for strain and fall injuries. Kitchens expose employees to cuts, scrapes and burns. Interaction with guests can be difficult. Employees should be trained in dealing with rowdy guests.

Minimum recommended coverage:

Building, Business Personal Property, Business Income, Employee Dishonesty, Money and Securities, Guests Property, Accounts Receivable, Computers, Valuable Papers and Records, General Liability, Employee Benefits, Umbrella, Hired and Nonownership Auto, Workers Compensation

Other Coverages to Consider

Commercial Articles Floater, Contractors Equipment, Special Floater, Forgery, Computer Fraud, Employment Related Practices, Business Auto Liability and Physical Damage

Reprinted copyrighted material with permission by the Rough Notes Company, Inc.

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise.  We don’t expect clients to be hotel insurance experts.  Take advantage of our experience.  We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you.   Only then can suggest the coverage that suits your specific business.  We look for coverage gaps to help ensure complete protection.  With us, you get the benefit of: