Hotel Damage Insurance Claims

As the owner of a hotel or motel, there are many different risks and several types of insurance coverage options that should be considered. The effects of hotel damage go beyond just the building structure. To begin, if your hotel or motel employs 50+ individuals full-time, you are required by the Affordable Healthcare Act to offer your employees employer-subsidized health insurance. Another consideration is business insurance, a necessary coverage that protects your hotel or motel business in the case of extreme financial loss from natural disasters, accidents and more. Hotel-motel insurance is a specific type of business insurance policy that is tailored to the unique industry.

Further coverages should include general liability and workers’ compensation insurance. General liability protects your business from claims for injuries sustained by a guest while on the property of your business. Workers’ compensation is designed to compensate a worker who suffers from any work-related illnesses or injuries. If the hotel or motel offers shuttle or limo service, consider a commercial auto liability insurance policy as essential.

If the hotel or motel offers alcoholic beverages, it needs a liquor liability insurance policy. Many hotels/motels include a restaurant and/or food delivery service. A food-borne illness liability insurance policy protects you when food is contaminated and a guest falls ill. If a hotel or motel becomes contaminated with any airborne pollutants, such as mold spores, a premises pollution liability insurance is needed.

Another essential coverage is cyber insurance. This policy is important if computer and data management systems have been breached. When this happens, cybercriminals have access to your guests’ personal information.

As for property concerns, property insurance is necessary. If any of the property is lost, damaged, or stolen as a result of accident, disaster, vandalism, and more, you will need coverage under this insurance policy. With equipment breakdown coverage, the hotel or motel will be covered for equipment failure. Equipment can include items such as an elevator, a washing machine and dryer, or even a coffee machine.

A hotel or motel business owner can further protect the business with business interruption insurance, utilities interruption coverage, crime coverage, and food spoilage coverage. Many hotel and motel business owners might consider purchasing umbrella coverage. The needs of your individual hotel or motel must undergo careful assessment.

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