Kentucky Hotel Insurance Programs

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Kentucky Hotel Industry Snapshot

  • Travel and tourism has had a $13 billion impact on the state
  • $1.2 billion in project development in Louisville is under construction
  • By 2018, 8 new hotels will be added to Louisville adding more than 1,500 rooms

Kentucky Hotel Insurance Programs

The hotel business in Kentucky offers a variety of opportunities for business owners to grow their profits. However, from Bowling Green to Lexington, hotel risks vary considerably. Wherever you own a hotel in Kentucky, there is always a chance that something could go wrong.

Exceed Insurance can write insurance policies that will help protect Kentucky business owners in the event of unforeseen losses. We work with a variety of insurance companies and can help you get affordable coverage that will cover unique risks.

  • Property Coverage: We can provide coverage for your building and your business’ contents. Our property coverage helps fund repairs and replacement of items associated with your property in case of a covered loss.
  • Business Income Coverage: A suspension of operations may halt business, resulting in a loss of revenue. This coverage option can help cover loss of revenue.
  • Equipment Breakdown: Broken air conditioning systems, stoves, and cooktops can all be costly expenditures without the right insurance. This coverage helps fund repairs so you don’t lose revenue fixing it alone.
  • General Liability: Guests or other third parties may suffer a loss on your property. If they suspect negligence, they may seek damages. This coverage offers protection against these financial consequences
  • Employment Practices Liability: Employee allegations of discrimination, wrongful termination, harassment or other employment issues can lead to costly legal fees. This coverage will help alleviate the cost of defending a claim.
  • Commercial Crime: Guests and employees may commit various acts of crime, including theft. This coverage offers financial protection from such acts.
  • Commercial Auto: Any vehicle owned by your hotel will need insurance that meets your state’s requirements. We have comprehensive coverage options for business vehicles.
  • Workers Compensation: Kentucky law requires businesses to carry workers compensation insurance not only to protect the business from lawsuits, but to also protect injured workers.

With a variety of urban areas and scenic attractions, Kentucky’s hotel industry benefits from significant traffic. Consider the profitability of your hotel business and its draw to clientele. These factors, along with the hotel’s unique characteristics, can influence how you should insure your hotel.

Every hotel needs different insurance coverage. Therefore, Exceed Insurance works with insurance partners that have a strong representation in Kentucky. Our skilled agents can help you build a hotel insurance policy to best meet your needs. Contact us today to get started!

Berkshire Hathaway Guard
The Hartford
Liberty Mutual
Indiana Farmer
Universal Property
State Auto
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