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Hotel & Motel Insurance
We offer customized hotel insurance solutions that can address the unique risks faced by your enterprise.
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Cost-Optimized Coverage
By tailoring your insurance program to match your unique circumstances, we can help you strike a balance between sufficient coverage and affordable premiums.
Comprehensive Coverage
Select coverage options that specifically address the risks your hotel faces. This may include protection for property damage, business interruption, liability claims, equipment breakdown, cyber attacks, and more.
Personalized Risk Assessment
Working closely with an agent who understands the hotel industry allows for a thorough evaluation of your specific risks. This personalized approach helps you develop a robust risk management strategy and tailor your insurance accordingly.
Flexibility & Scalability
As your hotel grows or undergoes changes, your insurance needs may evolve. Whether you're adding new properties, expanding your services, or implementing new technologies, your insurance coverage likely needs to be updated to maintain protection.
Claims Support
In the unfortunate event of a loss or damage, working with us means you can expect assistance with claims support. We have a clear understanding of your coverage and work closely with you to expedite the claims process, enabling a faster recovery for your operations.
Protecting Your Property, Your People, and Your Guests
Running a hotel or motel means managing risk from every direction: guests, employees, property, and the systems that keep your operation running.
We don’t just place policies. Through our proactive annual risk planning process, we identify the emerging threats specific to your operations, analyze how they could affect your business, and align your coverage with your business goals.
General Liability
Errors & Omissions
Commercial Property
Employee Benefits
EPLI
Commercial Auto
Equipment Breakdown
Directors & Officers
Umbrella
Cybersecurity
We've Got You Covered
No matter what kind of hospitality operation you run, we have insurance to match.
- Franchise Hotels
- Motels
- Boutique Hotels
- Resorts
- Private-Label Properties
- Conference Facilities
- Privately-Owned Bed & Breakfasts
Hospitality Risk Management
At any given moment, you are juggling food and beverage management, guest satisfaction, cleaning and maintenance, and general business operations. We help you keep everything running smoothly.
- Online Reputation Management
- Common Safety Hazards
- Hazardous Chemicals
- Food Safety
- Liquor Liability
Real Properties. Real Results.
Here’s what property owners have to say about working with a team that actually understands their business.
“Phelan Insurance Agency is very professional, the best to work with. They have a very good attitude. Thanks for your guidance and support!”
Marysville Hospitality, LLC
“We value the Phelan team and their dedication to their clients. The entire team is knowledgeable. We are thankful to have you as our insurance partners.”
Nealkanth, LLC
“I get immediate answers and the team is amazing with helping us with whatever we need in a timely manner. Love Phelan Insurance and their staff!”
Shree Ram, LLC
FAQ
What insurance coverage do hotels and motels typically need?
A well-rounded program for hospitality properties usually includes property coverage, general liability, liquor liability if you serve alcohol, workers’ compensation, and business interruption coverage. Given the unique exposures of guest-facing operations, most properties also need specialized coverage for things like guest property, pool and amenity liability, and employment practices.
Why does my hotel need specialized coverage instead of a general policy?
Hospitality properties carry risk exposures that a generic commercial package often misses, from guest injury claims to the operational impact of a slow season or a property closure. We work specifically within the hotel and motel space, which means we understand where the real risk sits and how to structure a program around it rather than a one-size-fits-all policy.
What is business interruption coverage and why does it matter for hotels?
Business interruption coverage replaces lost income and covers ongoing expenses if your property has to shut down due to a covered loss, such as fire or storm damage. For a hotel, even a short closure can mean a significant hit to revenue, so this coverage is often just as important as the property coverage itself.
How does liquor liability coverage work for properties with a bar or restaurant?
Liquor liability protects your business if you are held responsible for damages caused by a guest you served alcohol to, which is a real exposure for any property with an on-site bar, restaurant, or banquet space. This coverage typically sits alongside your general liability policy rather than being included in it automatically.
Why do my rates keep going up even when I have not had claims?
Many hotel owners find themselves stuck in a standard renewal process that gets remarketed to the same carriers each year without a real effort to reposition the account. Through our RiskView365 process, we take a proactive, annual look at emerging risks and operational changes so that your renewal is built to compete rather than just repeat.
Do seasonal or off-season closures affect my coverage?
Yes, seasonal operations can affect certain coverages, particularly property and business interruption, since carriers want to understand vacancy periods and how the property is maintained during downtime. We factor seasonality into how your program is structured so there are no surprises if a claim happens during a slower period.
How often should a hotel or motel review its insurance program?
An annual review is the minimum, but properties that are renovating, adding amenities, or changing occupancy should review coverage any time those changes happen. Waiting until renewal to address changes is part of what keeps many properties stuck in the same cycle year after year.
Hospitality Resources
We’re here to offer guidance to help you navigate through complicated choices when it comes to your insurance – and more.
Cyberthreats Are a Leading Cause of Loss at Hotels and Motels
The nature of the day-to-day business at hotels and motels puts them at high risk of cyberattacks. These organizations handle enormous amounts of personally identifiable information (PII) and personal financial
Hotels: Common Exposures
Owning and operating a hotel can be a rewarding endeavor. However, hotel operators have to manage numerous exposures related to lodging, and many offer amenities—including pools, exercise facilities, bars and
Hotels: Preventing Human Trafficking
Human trafficking is one of the fastest-growing criminal enterprises in the world and is estimated to be a $150 billion-a-year industry. This activity is common in the hospitality industry, largely