Hotel/Motel Insurance
Hotel/Motel insurance is a specialised type of business insurance designed to protect Hotel/Motel owners from a variety of risks associated with running a hospitality business.
Key coverage options typically included in hotel insurance policies are:
Property Insurance
Protects the physical assets of the hotel/Motel, including the building, furniture, equipment, and other contents, from damage or loss due to events like fire, theft, or natural disasters.
Public Liability Insurance
Covers legal liabilities arising from injury or property damage to guests or third parties while on the hotel premises.
Business Interruption Insurance
Compensates for lost income and ongoing expenses if the hotel operations are disrupted due to insured events, such as fire or flood.
Equipment Breakdown Insurance
Provides funds to repair or replace essential equipment that breaks down, such as HVAC systems, boilers, or kitchen appliances.
Crime Insurance
Covers losses resulting from criminal activities, such as theft, fraud, or vandalism by employees or outsiders.
Food Spoilage Insurance
Compensates for losses if perishable food items spoil due to equipment malfunction or power outage.
Utility Interruption Insurance
Provides compensation for losses caused by interruptions in essential services like electricity, water, or gas.
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Our priority
Don't let the complexity of insurance get in the way of your peace of mind. Simply fill out the form and one of our expert insurance brokers will contact you to help you find the coverage you need.
What factors affect my hotel/motel insurance premium?
Several factors influence your insurance premium, including:
- Size and location of your property
- Annual revenue and occupancy rates
- Building age and construction materials
- Security measures in place
- Claims history
- Additional services offered (restaurant, pool, spa, etc.)
Do I need special coverage for hotel amenities?
Yes, amenities such as swimming pools, fitness centres, restaurants, and bars typically require additional coverage due to their increased liability exposure. Discuss all your amenities with your insurance provider to ensure comprehensive protection.
Is coverage available for special events hosted at my property?
Most hotel/motel insurance policies can be extended to cover special events. However, large-scale events may require additional coverage. Consult with your insurance provider before hosting major events.
What's not covered by standard hotel/motel insurance?
Standard policies typically exclude:
- Wear and tear or gradual deterioration
- Intentional damage
- Employee injuries (covered by workers’ compensation)
- Certain natural disasters (may require separate policies)
- Cyber attacks (separate cyber liability insurance recommended)
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Why work with Knightsbridge Insurance Group?
Knightsbridge Insurance Group is an Insurance Broking Business with over 70 years of collective insurance experience and is founded on generational values that make you feel secure, protected and cared for. As we grow and expand the Knightsbridge Family, we continue to have a deep understanding of your desire to innovate and be extraordinary — both in business and in life.
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