Hotels face unique risks: guest injuries, property damage, theft, liquor liability, employee injuries, natural disasters, and business interruption. We shop 50+ carriers to find comprehensive hotel insurance that keeps your guests safe and your operation protected.
Hotel and hospitality insurance is designed specifically for the unique risks of running a hotel, motel, bed and breakfast, or other guest-facing property. It covers guest liability from slip-and-fall accidents and pool injuries, property damage to your building and furnishings, business interruption if you must temporarily close, liquor liability for on-site bars and restaurants, cyber liability to protect guest data, and workers compensation for your team. Whether you manage a full-service resort, a boutique bed and breakfast, motel insurance needs, or an Airbnb-style short-term rental, Nova Coverage builds a custom package tailored to your hospitality industry coverage needs.
Every hotel is different. Here are the key coverages available for hotel insurance — we'll customize a package that fits your property, amenities, and risk profile.
Covers guest injuries (slip-and-fall, pool accidents), bodily injury claims, property damage liability, and advertising injury.
Protects your building structure, guest rooms, furniture, equipment, and inventory against fire, theft, storms, and other covered perils.
Essential if you operate a bar, restaurant, or serve alcohol in guest rooms. Protects against dram shop liability and intoxicated guest claims.
Covers lost income and operating expenses if your hotel must temporarily close due to a covered loss like fire or storm.
Covers medical expenses and lost wages if an employee is injured on the job. Required in most states for businesses with employees.
Protects against data breaches, ransomware, and cyber threats. Critical for hotels that collect guest payment information and personal data.
If you operate any type of hotel, hospitality property, or guest accommodation — whether a full-service resort, boutique hotel, motel, bed and breakfast, or short-term rental — you need insurance that understands your industry. Guest liability, property protection, and business interruption coverage are essential to keep your guests safe and your operation running.
See What You Can SaveFill out the form and a Nova Coverage agent will shop 50+ carriers to find you the best hotel insurance rate — usually within 24 hours.
We're not locked into one carrier. As an independent agency, we represent 50+ top-rated insurance companies — so we shop the market to find you the best coverage at the best price.
Hotels need a comprehensive package that includes general liability for guest injuries and property damage claims, commercial property coverage for your building and furnishings, liquor liability if you operate a bar or restaurant, workers compensation for employees, cyber liability to protect guest data, and an umbrella policy for additional protection beyond your base coverage limits.
Yes. If your hotel serves alcohol at a bar, restaurant, or in guest rooms, liquor liability (also called dram shop coverage) is essential. Dram shop laws hold establishments legally responsible for injuries or damages caused by intoxicated guests they served. This coverage protects you from potentially devastating lawsuits.
Yes. General liability insurance covers third-party bodily injuries to guests, including slip-and-fall accidents in hallways or lobbies, pool accidents, injuries in common areas, and other guest-related incidents. This is one of the most critical coverages for any hotel.
Hotel insurance costs depend on several factors: property size, number of rooms, amenities (pools, restaurants, bars), location, guest volume, and your claims history. We shop 50+ carriers to find the best rate tailored to your specific property and risk profile.
Let Nova Coverage shop 50+ carriers for your best rate. It's free, fast, and no obligation.
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