Hotel Insurance & Motel Insurance
Available in all 50 states!
Available in all 50 states!
We offer hotel insurance for your hotel, motel, resort, or conference center. Bankers Insurance 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.
Why wait until your policy renews? Call (877) 606-1375 today.
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At Bankers Insurance, the client is always in control.
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:
Your hotel building and other structures. These can include separate storage buildings, pool houses, golf houses, maintenance sheds, or any other structure you would like to cover.
Furniture, fixtures, and other items not a part of the building, stored on-site. Be sure to consider outdoor furniture and grounds keeping equipment.
Hotel insurance wouldn’t be complete without business income insurance. Your property coverage is meant to pay to rebuild the building. However, your business still has expenses in the meantime and is receiving no income from guests. Business income insurance supplies your income needs while the structure is being rebuilt or repaired.
General liability coverage protects you for injuries to people or property. Common examples can include guests experiencing a simple trip-and-fall or foodborne illness. Don’t forget about non-owned auto liability insurance. Umbrella liability can provide another layer of protection over other policies.
Workers compensation insurance protects your employees and your business by paying for work related injuries. It provides for health care expense plus a portion of lost wages while the employee is out. Do you use subcontractors? Be sure to check out our article on Subcontractors and Workers’ Compensation.
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.
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.
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.
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.
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.
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.
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
Commercial Articles Floater, Contractors Equipment, Special Floater, Forgery, Computer Fraud, Employment Related Practices, Business Auto Liability and Physical Damage
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:
Each one of our clients is assigned a specific insurance agent in our office. You will have the phone number that rings on their desk. And each agent has a backup in case they are out for any reason. Though any one of our agents can help, nothing beats speaking with the person familiar with your account.
Bankers Insurance is local. Our agents live in the local community. No one enjoys talking to an 800 number or exchanging email when in urgent need of service or if a claim has arisen.
We serve our clients with dignity and provide “no excuse” customer service.
Want to pay for your hotel insurance directly to the company? Monthly? By credit card? Through escrow? We can find a billing option that suits you.
Product and service are important, but with Bankers Insurance you also get low pricing. Our insurance companies compete for your business, resulting in low prices for you.
We represent “A” rated insurance carriers, verified by AM Best. Our hotel insurance products are designed to meet a variety of needs. We tailor insurance coverages to you.