Most hotels should strongly consider it. Hotels store guest names, addresses, and payment card information, which makes them targets for data breaches and ransomware. Cyber liability insurance can pay for ...
Injuries at pools, hot tubs, and fitness centers are generally covered under general liability, but carriers look closely at these amenities and may require specific safety measures, such as self-closing ...
Usually not. Standard commercial property policies exclude flood, so you need a separate flood policy through the National Flood Insurance Program or a private flood insurer. Hotels near rivers, creeks, ...
Business interruption, also called business income coverage, can replace lost net income and help pay continuing expenses like payroll, loan payments, and taxes when a covered loss such as a ...
Yes. If you sell or serve alcohol in a bar, restaurant, lounge, or at events, liquor liability covers claims that arise from serving someone who then injures themselves or others. ...
Innkeepers liability covers damage to or loss of guests' personal property while it's in your care, such as luggage, items stored in your safe, or belongings stolen from a guest ...
Generally, yes. General liability covers claims that your business caused bodily injury or property damage to someone else, such as a guest slipping in the lobby or tripping in the ...
In most cases, yes. Tennessee generally requires employers with five or more employees, including part-time workers, to carry workers' compensation insurance. Most hotels and motels meet that threshold. Workers' comp ...
It varies widely based on the number of rooms, building age and construction, location, amenities like pools and bars, payroll, claims history, and the coverage limits you choose. A small ...
Most hotels and motels need commercial property insurance, general liability, business interruption, and workers' compensation as a foundation. Depending on your operations, you may also need liquor liability, innkeepers liability ...
