Hospitality Insurance

Our products are specifically designed to meet the needs of hospitality businesses including hotels, inns and bed & breakfasts. Connect with an AmTrust-appointed agent to get a quote.

Urban Academy

Featured Business Class: Boutique Hotels

The 1906 Lodge is a 17-room boutique hotel located in Coronado, California. The hotel was initially built in 1906 and has served many functions, including a boarding house and apartment unit. Since 2009, it has been transformed into a boutique hotel. Manager Susan Nelson knows the hospitality industry is all about customer service, but most importantly, she believes having a safe, healthy, and happy staff is key to their success. AmTrust understands the hotel industry, offering the HotelComp program, which provides comprehensive insurance at a reduced price along with industry-leading loss control services. That’s why the 1906 Lodge is #AmTrustInsured and our partner for the long term. 

Watch our video to see how AmTrust provides excellent service for the hospitality industry. 

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What is Hospitality Insurance?

Over 15.6 million people are employed in the hospitality and leisure industry and contribute over $5 trillion to the U.S. GDP. The types of businesses in this sector vary from hotels and inns to resorts and bed & breakfasts. From employee or customer injuries to property or equipment damage, hospitality companies face many unique risks that can reduce productivity, employee satisfaction, customer service and ultimately the bottom line.

Types of Hospitality Insurance Coverages for Hotels, Inns and Bed & Breakfasts

AmTrust provides coverage tailored to the needs of hospitality companies. Our Hospitality Insurance policies can be written as a package or monoline.

Workers’ Compensation

Workers' Compensation Insurance protects your business and office workers by providing benefits to employees injured in the workplace. These benefits can address medical care and related medical costs, retraining and lost wages until the employee can return to work or compensation for permanent disability.

General Liability Insurance

General Liability Insurance provides coverage to a hospitality business for bodily injury, personal injury and property damage caused by the business’s operations, products, or injury that occurs on the business’s premises. This type of business insurance offers coverage for third parties who experience harm to themselves or their property because of something you or your workers did or failed to do.

Commercial Property Insurance

Commercial Property Insurance is crucial for your hospitality business. It protects your building, contents, business income, and rental income from commonly experienced losses, including fire, explosion, pipe burstsstorms, theft, vandalism, and flood and earthquake (when this type of coverage has been added to the policy).

Commercial Auto

Commercial auto coverage is designed to protect hospitality businesses of all sizes from litigation related to automotive incidents, including auto collision, an unloading accident, or a new work truck stolen from the parking lot.

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) coverage protects professional service organizations in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time, seasonal, volunteers and independent contract workers.

Cyber Insurance

Any business using computers to complete day-to-day tasks should consider cyber insurance a necessary coverage. Cyber liability insurance provides coverage for certain losses incurred as a result of data breaches. Businesses are increasingly facing cyber risks that can threaten their operations and even their existence.

AmTrust’s Preferred Exposures for the Hospitality Industry

Our list of preferred hospitality industry businesses includes, but are not limited to

  • Hotels
  • Motels
  • Resorts and spas
  • Bed & Breakfasts

AmTrust Agents

Our appointed agents fully understand the unique risks the hospitality industry faces. We deliver an unbeatable combination of sound coverage, stable pricing and exceptional service to our insureds and agents. We offer a comprehensive suite of Hospitality Insurance coverages, so our appointed agents have the confidence and the flexibility to provide their clients with the right policy to protect them from risk.
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