INDUSTRIES · HOTELS

Coverage for every guest, room, and shift.

Property, liability, liquor, and comp for hotels and resorts with front-desk, housekeeping, and kitchen staff.

Get the hotels package Coverage finder

PHOTO PLACEHOLDERB+W, DUOTONE · HOTELS

THE HOTELS STACK

What companies like yours usually carry.

Limits shown are common minimums, not advice.

BOP / general liabilityGuest injuries, property, and business interruption$1M / $2MREQUIRED Workers' compHousekeeping, maintenance, and kitchen injuriesStatutoryREQUIRED UmbrellaLiquor liability and franchise requirements$5MRECOMMENDED Employment practicesGuest and staff harassment claims$1MRECOMMENDED Cyber liabilityGuest card data and reservation systems$1MRECOMMENDED

01
Franchise-ready limits
Meet brand standards without over-buying.
02
Tipped wages in comp
Premiums calculated correctly on tips.
03
Seasonal staffing
Comp that scales with occupancy.

TOP RISKS WE PLAN FOR

01Guest injuries. Pools, stairs, and dining areas create GL exposure.
02Housekeeping and maintenance injuries. Frequent comp claims.
03Card data. Reservation and POS systems need cyber protection.

HOTELS QUESTIONS

Can you meet franchise brand standards?: Yes. We match limits and COIs to brand requirements.
Does comp flex with occupancy?: Yes, with pay-as-you-go billing.

YOUR PROGRAM AT A GLANCE

Every line a hotels company typically needs, on one application.

PROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business property WORKFORCEWorkers' compPay-as-you-go premiums billed with each payroll PROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liability WORKFORCEEmployment practicesWrongful termination, harassment, discrimination claims FINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liability

HOW IT WORKS FOR HOTELS

01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
02Market to carriers. We submit to carriers that actively write hotels risks.
03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.

WHAT WE'LL NEED TO QUOTE YOU

APPLICATIONS

ACORD 125
ACORD 126
ACORD 140
ACORD 130
ACORD 131
Carrier supplement

DOCUMENTS

Revenue and operations description
Statement of values by location
Loss runs, 3–5 years
Payroll by class code (from payroll)
Current policy declarations
Experience mod worksheet
Underlying policy declarations
Largest contract insurance requirements

AFTER YOU BUY

Certificates on demand
Issue COIs with additional insureds from your dashboard.
Claims advocacy
Your advisor works the claim with the carrier.
Audits without surprises
Payroll-based premiums reconcile as you go.
Renewal planning
Options on the table 60 days before renewal.

WORTH CONSIDERING

EMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriers EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disability PROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and drivers FINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claims

TOOLCoverage finderCheck required lines for your states.TOOLSavings calculatorEstimate first-year value.GUIDELeaving a PEOOwn your plans and policies.WORKLIO HCMPayroll for hotelsIndustry pay rules, on one platform.

$35+ Billion
PAYROLL AND TAXES PAID
23+ Million
ACH TRANSACTIONS
4.3+ Million
W-2S / 1099S PROCESSED
2.8+ Million
EMPLOYEES PAID

TRUSTED BY PARTNERS INCLUDING

OTHER INDUSTRIESSenior care Healthcare Behavioral health Dental + veterinary groups Manufacturing Construction Auto dealer groups Franchise groups Staffing Facility services Logistics Restaurants Professional services Education + childcare Nonprofits

See your rates before your next renewal.

Start a quote Calculate savings