Restaurants & Hospitality · Hotels
Your hotel depends on safe guest spaces, reliable building systems, trained employees, secure payments, and rooms that stay available. BLIS helps owners and operators review coverage around the property and the way it is managed.
Licensed commercial insurance support across 5 states
Start here
Share your contact information and a few basics about your business. A licensed BLIS representative will review your request.
We only use this information to review your insurance request. BLIS is licensed in California, Nevada, Arizona, Texas, Florida. CA License 0M74955.
Sending this form does not start coverage or guarantee a quote, price, or coverage result. BLIS will review what you send and may ask for a few more details before discussing available options.
What to expect
A BLIS representative reviews what you share, looks at what your business needs, and follows up if an important detail is missing.
A licensed BLIS representative reads what you send and gets familiar with your business.
We connect your day-to-day work, property, people, and vehicles with the coverage that may matter.
If something important is missing, we’ll ask a few focused questions instead of sending another long form.
When options are available, we help you compare price, limits, deductibles, exclusions, and policy terms.
After coverage starts, BLIS can help with certificates, policy changes, audits, renewals, and claim questions.
Your operation
Hotel owners balance guest service with property care, staffing, technology, brand standards, and around-the-clock operations. A pipe leak, fire, equipment failure, guest allegation, or system outage can affect rooms and revenue at the same time. BLIS helps hotel businesses in California, Nevada, Arizona, Texas, and Florida review those needs in one practical conversation.
Guests move through rooms, bathrooms, corridors, elevators, lobbies, parking areas, and entrances throughout the day and night. A fall, accessibility complaint, security allegation, or room-condition dispute can involve more than one part of the operation. Review the full guest journey rather than treating the lobby as the only public area.
Property responsibility depends on who owns the building, furniture, fixtures, equipment, and improvements. A hotel owner, franchisee, tenant, and management company may each have different obligations. List the building, contents, signs, landscaping, room furnishings, laundry equipment, and recent upgrades at current replacement values.
A covered property loss may take rooms or the entire hotel out of service while payroll, debt, franchise fees, and other costs continue. Business-income and extra-expense coverage can help with eligible losses during the restoration period. Limits, waiting periods, seasonality, and realistic repair time all deserve review.
Hotels depend on plumbing, electrical systems, HVAC, boilers, elevators, refrigeration, laundry, and fire protection. Water, fire, mechanical failure, flood, sewer backup, and utility interruption do not all use the same coverage trigger. Review the property form, equipment-breakdown terms, water-related endorsements, and maintenance responsibilities together.
Pools, hot tubs, fitness rooms, spas, meeting areas, restaurants, bars, and event spaces add responsibilities only when the hotel actually offers them. Each amenity can change guest liability, property, equipment, staffing, and certificate needs. Alcohol service may require liquor liability, while food operations may need spoilage and equipment-breakdown coverage.
Guest property requires separate attention. Luggage held by staff, items placed in a safe, packages accepted at the desk, and vehicles handled by valet staff can create different legal and insurance questions. Innkeepers liability, guest-property coverage, bailee coverage, or garagekeepers coverage may be relevant depending on the service and policy.
Reservation systems, payment terminals, electronic locks, guest Wi-Fi, employee records, and vendor platforms keep the hotel running. A data breach or system outage can interrupt bookings and create notification or recovery costs. Cyber coverage, payment procedures, backups, and vendor dependencies should reflect the systems the hotel actually uses.
Housekeeping, maintenance, front-desk, kitchen, security, and management employees perform different work. Workers-comp rules and classifications vary by state and actual duties. Employment-practices coverage can address separate allegations involving hiring, discipline, harassment, retaliation, or termination, subject to the policy.
Hotel shuttles, courtesy vehicles, employee errands, and valet operations can create distinct auto needs. Owned vehicles may need commercial auto, while rented or employee-owned vehicles may raise hired and non-owned auto questions. If staff take custody of guest vehicles, review garagekeepers coverage and the valet arrangement.
Coverage
These are common coverages to consider, not a preset package. The right mix depends on how your business works, your contracts, state requirements, and the policy options available.
GL can address covered guest and visitor claims involving bodily injury or property damage on the premises or arising from hotel operations. Review rooms, common areas, parking, security practices, amenities, events, and any food or alcohol service. Assault-and-battery, abuse, communicable-disease, and other exclusions vary by policy.
Property coverage can protect the building when insured, along with eligible room furnishings, equipment, signs, inventory, and improvements. Confirm ownership and lease or management responsibilities before selecting limits. Flood, earthquake, sewer backup, ordinance or law, and other causes may require separate coverage or endorsements.
This coverage may help replace eligible lost income and pay certain added costs after a covered property loss reduces room availability or closes the hotel. Review the restoration period, waiting period, seasonality, ordinary payroll, franchise fees, and any dependent-property or utility-service needs.
A qualifying mechanical, electrical, or pressure-system failure can affect HVAC, boilers, elevators, refrigeration, laundry, or electrical distribution. Equipment-breakdown coverage may address eligible repair costs and related income or spoilage losses when included. Maintenance, wear, corrosion, and gradual deterioration are commonly limited or excluded.
Workers comp may provide eligible medical and wage benefits after a covered work injury, as required by state law. EPLI addresses different claims involving employment practices. Keep payroll by role, track staffing changes, and review employee-handbook and management practices with qualified advisers.
Cyber coverage can help with eligible incident response, data restoration, notification, privacy claims, payment-card matters, extortion, and income loss from covered system outages. Available protection depends on the form, security controls, vendors, waiting periods, and sublimits.
Commercial auto can cover eligible liability and physical damage involving hotel-owned shuttles or courtesy vehicles. Hired and non-owned auto may be relevant when the business uses rented or employee-owned vehicles. Valet services can also require garagekeepers and careful review of who operates and insures the service.
What shapes your quote
These details can affect which options are available and what they may cost. You don't need all of them to start — send what you have, and we'll follow up on anything important that's missing.
Coverage examples
A few situations that show how coverage can respond when something goes wrong. These are examples only — not actual claims, and not a guarantee of any outcome.
A guest slips on a wet tile floor near the lobby entrance and alleges that warning signs were not visible. General liability may help with a covered defense and damages, subject to the policy's terms, exclusions, and limits. Incident reports, cleaning logs, photographs, and available video can help document what happened.
A plumbing line fails and damages rooms on several floors. Commercial property may address eligible repairs to covered property. Business-income and extra-expense coverage may also apply when included and triggered by the covered loss. The cause of failure, water exclusions, deductible, restoration period, and policy limits all matter.
Front-desk staff accept a guest's luggage before check-in, and one bag cannot be located later. The guest seeks reimbursement from the hotel. Whether innkeepers liability, guest-property, or other coverage applies depends on custody, applicable law, policy definitions, limits, and exclusions.
A cyber event disrupts reservations, payment processing, and electronic room access. The hotel brings in incident-response support and uses temporary operating procedures. Cyber coverage may help with eligible investigation, restoration, notification, and business-interruption costs, subject to the policy's terms and waiting periods.
The claim scenarios above are illustrative examples only. They do not represent actual clients, actual claims, or guaranteed coverage outcomes. Coverage for any specific situation depends on the policy terms, conditions, exclusions, and the facts of the claim.
After coverage starts
Once coverage is in place, new contracts or business changes can mean new paperwork. A certificate only summarizes policy information; the policy and its endorsements determine the actual coverage.
FAQ
Hotels commonly review general liability, commercial property, business income, equipment breakdown, workers compensation, cyber, and coverage for owned vehicles. Umbrella, EPLI, liquor liability, flood, earthquake, crime, guest property, garagekeepers, or other options may also be relevant. The right combination depends on the property, amenities, services, contracts, and state.
Property coverage may pay eligible costs to repair covered physical damage. Business-income and extra-expense coverage may address qualifying lost income and added costs during the restoration period when the policy trigger is met. Waiting periods, limits, seasonality, ordinary payroll, and the cause of loss can affect the result.
Responsibility depends on the facts and applicable law. Coverage may also depend on whether the hotel took custody of luggage, packages, valuables, or a vehicle. Innkeepers liability, guest-property, bailee, crime, or garagekeepers coverage may address different situations. Ask qualified counsel about legal duties and review the policy definitions and limits.
They can. Pools and fitness areas add guest-safety and equipment considerations. Food service can add kitchen property, spoilage, and food-related claims. Alcohol service may require liquor liability. Describe each amenity, its hours, staffing, safety practices, and whether an outside vendor operates it.
Hotels use reservation, payment, key-access, Wi-Fi, employee, and vendor systems while holding guest and payment information. Cyber coverage may address eligible response, restoration, notification, privacy, extortion, and interruption costs. Compare vendor-event coverage, system definitions, waiting periods, security requirements, and sublimits.
Hotel-owned shuttles or courtesy vehicles generally belong on a commercial auto policy. Rented and employee-owned vehicles may raise hired and non-owned auto questions. If hotel staff or a valet vendor takes custody of guest vehicles, review garagekeepers coverage, contracts, driver screening, vehicle storage, and which party is responsible for the service.
Gather current property values, room count, occupancy and revenue, building-system updates, amenity details, payroll by role, vehicle and driver lists, technology systems, contracts, certificates, renovation plans, and complete claim history. Also confirm ownership, franchise, management, lender, and lease changes so the policy reflects the current operation.
Keep exploring
From the insights library
Protect your restaurant's kitchen, people, equipment, inventory, customers, alcohol service, and delivery activity with coverage built around daily operations.
Use the 90 days before renewal to update payroll, vehicles, property values, claims, operations, and contract requirements before the deadline controls your choices.
Ready to talk about insurance for your hotels business? Share the basics to get started.
Review Your Hotel CoverageCoverage availability, pricing, terms, conditions, limits, and eligibility depend on the insurer, state, details of the business, claims history, and policy terms. Nothing on this site guarantees coverage, pricing, approval, or savings.
Examples are hypothetical and illustrative. They show how a coverage can respond, not a promise that any specific claim will be covered. Actual coverage depends on your policy's terms, conditions, and exclusions.
This page provides general information and is not legal, building-code, safety, employment, or coverage advice. Hotel obligations can vary by state, contract, franchise agreement, management arrangement, and the services provided. Review specific questions with qualified legal, accounting, safety, and insurance professionals.
Blue Lagoon Insurance Services, LLC is an independent insurance agency licensed in California (0M74955), Nevada (3983946), Arizona (3003332484), Texas (2966873), and Florida (L120266). BLIS is not an insurance company; final decisions about coverage, terms, and pricing belong to the insurer.
