West Virginia Hotel Insurance Programs

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West Virginia Hotel Industry Snapshot

  • 9% increase in hotel bookings during 2016
  • Average room rates increased by 15% in 2016
  • Fayetteville, Wheeling, and Parkersburg experiencing boom in tourism
  • 11 hotels and counting have been built in the last five years

West Virginia Hotel Insurance Programs

West Virginia is Wild and Wonderful. It combines scenic beauty with Appalachian hospitality, and gives way to a thriving tourism industry. Opening a hotel in the state gives you an opportunity to start a profitable business.

However, you have to protect your hotel, your guests and their assets. You can start protection with the appropriate insurance.

Exceed Insurance offers policies that will help protect West Virginia hotels from unforeseen losses. We work with multiple insurance companies to offer businesses tailored, unique insurance coverage.

  • Property Coverage: We can provide coverage for your building & 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 crimes, including theft. This coverage offers financial protection from such actions.
  • 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: Workers compensation is only available through the West Virginia Bureau of Workers Compensation.

Every hotel will come with unique specifications and features that draw customers. A hotel in Charleston will face different risks than a hotel near Huntington. Each hotel will need unique, specialized insurance coverage.

Exceed Insurance will work to ensure that our hotel insurance policies meet the needs of West Virginia business owners. Our skilled agents can help you build a hotel insurance policy to best meet your needs. Contact us today to get started!

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