What are the Main Coverages of Hotel Primary Insurance?

This is an excerpt from our free “Broker’s Guide to Hotel Primary Insurance” eBook. Click here to download your copy.

The hotel primary insurance coverages – that is, the direct, first layers of hotel insurance coverage – for a hotel operation should include General Liability (GL), Liquor Liability, Commercial Property, Commercial Auto Liability and Garagekeepers policies.

General Liability

Protects against third-party bodily injury and property damage that occurs on the property. This is critical insurance coverage for hotels because guests enter and exit the building(s), exercise on gym equipment, enjoy pool activities, patronize the property’s restaurants, and partake in other hotel-related activities.

Liquor Liability

Liquor liability coverage pays for specific damages caused by the sale, serving, or furnishing of alcoholic beverages. A common liquor liability claim involves a bartender overserving a customer who is later involved in a car accident.

Commercial Hotel Property Insurance

Covers the hotel business property, protecting the physical buildings and structures from covered perils such as fire, storms, and vandalism.

Commercial Auto Liability

Covers the costs related to property damage or bodily injury to a third party caused by an accident involving a hotel vehicle. Also provides for physical damage to vehicles owned by the hotel.

Garagekeepers Insurance

Covers vehicles parked by the hotel’s valet service. Garagekeepers insurance protects the vehicle from damage while it is in the care and control of the hotel. The policy includes Collision and Comprehensive coverage.

To continue reading, download our FREE Hotel Primary eBook here.

About Distinguished Programs
Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with specific expertise in Real Estate, Community Associations, Hotels, and Restaurants. Property and liability products are distributed through a national network of agents and brokers. Serving the same core markets and partnering with the most stable and reputable carriers, Distinguished Programs’ high-limit umbrella programs remain the clear choice in its areas of specialty for superior coverage, competitive pricing, and attentive service. Through thoughtful innovation, stemming back to 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.

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