Hotel Insurance

Starting and managing a hotel business requires a massive investment in terms of property, contents, and workforce. With such an investment, it becomes equally important to ensure that the business flow is uninterrupted and smooth.

At Exceed Insurance, we understand your insurance needs and offer tailor-made plans to give your hotel the protection it requires. 

What is Hotel Insurance?

Hotels provide guests with many services like lodging, food, space for hosting events and so much more. With more services, come more risks.

For such situations, you need one policy that specially takes care of hotel-related claims. Our Hotel Insurance policies are specially designed to cover all possible risks that a hotel may face. 

Lines of Insurance

General Liability Insurance

Covers you for the damages that occur from an accident of a guest in the hotel premises.

Cyber Liability Insurance

Settles any claims that are derived from a data breach and manages the losses that occur due to hacking of systems.

Umbrella Liability Insurance

Pays for all overhead expenses which may not be covered in your general liability coverage.

Workers Compensation Insurance

Protects your staff from any medical costs or loss of income situations that result from an on-the-job injury.

Employment Practices Liability Insurance (EPLI)

Pays for any kind of legal settlements for claims regarding employee allegations of discrimination, wrongful termination, harassment or other employment issues.

Commercial Auto Insurance

Provides cover to your business vehicles like shuttle cars or cars used by employees.

What does the Hotel Insurance cover?

Property Coverage

Pays for any damages caused to your hotel property and contents in it.

Contents Coverage

Protects your business from claims or legal accusations that occur from an accident of a guest that occurs on your premises. 

Liquor Liability Coverage

Settles claims for a situation where your customers end up harming a third-party under the influence of alcohol.

Equipment Breakdown Protection

Pays for repair and replacement costs for any equipment breakdown.

Business Income Coverage

Helps sustain any losses, pay the bills, take care of repair costs in situations when you have to temporarily close business.

EMPLOYEE DISHONESTY COVERAGE

Pays for any losses that may occur if your employees steal from your business.

Food-borne Illness Liability Coverage

Helps settle claims or medical expenses that result from a food-borne illness caused to your patrons.

FAQs

If a guest falls ill after eating from my hotel’s restaurants, will it be covered?

Yes, the food-borne illness liability coverage makes sure that you are covered in such situations.

What does the business income coverage exactly provide?

If you have to temporarily close your business for any unexpected emergencies, covered by your policy, the business income coverage will take care of the payouts of employees, vendors, etc.

Are there any discounts on plans?

Your agent will offer you multiple policy options keeping in mind what works best for you, coverage-wise, and cost-wise.

How do I file a claim?

All you need to do is, get in touch with one of our insurance agents and they will guide you through the process.

Why choose Exceed Insurance Agency for Hotel Insurance?

Our extensive knowledge and 20+ years of experience in the insurance industry helps us to assist you with the best plans in the market.

Can I buy a Business Owners’ Policy (BOP) instead of hotel insurance?

In most cases, you can buy a business owners’ policy (BOP) to get the extensive coverage listed above. BOPs contain multiple types of commercial insurance in one package. Consult our insurance agents for detailed know-how about the BOP.

How much will my premium be?

Your premium depends on the size of your business and how elaborate your policy is. Consult our insurance agents and they will offer you the most cost-effective policies.

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