Hotel & Motel Insurance — Coverage, Cost & Requirements
Commercial property, general liability, and liquor liability for hotels and motels.
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What Coverage Does Hotel & Motel Insurance Include?
Most hotel & motel businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Commercial Property
Commercial Property coverage tailored for hotel & motel businesses.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Liquor Liability
Required for businesses serving alcohol. Covers liability from intoxicated customers.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Umbrella
Adds a layer of protection above your primary policy limits — typically $1M–$5M additional.
How Much Does Hotel & Motel Insurance Cost?
The cost of hotel & motel insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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