Hospitality insurance
Hotel insurance built around the property and the operation.
We support both hotel developers preparing to welcome their first guests and owners and operators running established properties. We help plan the transition from construction to opening and review coverage for the building, guest operations, and income throughout ownership.
For hotel developers, owners, investors, and operators, including new developments and operating independent hotels, branded properties, boutique hotels, and resorts.
Your team
A direct line to your risk advisor.
Industry memberships
Built around your property
Look at what could interrupt the stay and the revenue.
A property loss can take rooms out of service while payroll and other expenses continue. Guest amenities, food and beverage operations, and outside vendors bring their own insurance questions.
We start with how the hotel operates, who owns and manages it, and what the lender and brand require. The review should reflect the actual property, including upcoming renovations or changes in ownership.
How we help
Connect the coverage to the way your hotel runs.
Review the property and operating risks together, with clear responsibilities across ownership, management, and service providers.
Property damage and lost revenue
Review building values, equipment breakdown, business income, and extra expense coverage. Consider seasonal revenue, time to restore rooms, and the cash impact of deductibles, including wind and flood where relevant.
Guest safety and amenities
Review liability around guest rooms, pools, fitness areas, events, and other amenities. Include food and beverage, liquor service, parking, and shuttle operations when they are part of the business.
Employees, vendors, and guest data
Review workers’ compensation and employment practices exposures alongside cyber coverage for guest information and reservation systems. Clarify insurance responsibilities for management companies and outside service providers.
Development, opening, and renovations
Plan construction coverage and the transition to operating insurance before the first guests arrive. Work through lender, franchise, and management agreement requirements, as well as coverage for acquisitions, renovations, partial closures, and reopening.
Where we start
Start with the hotel, its operations, and what is changing.
Whether you are developing a hotel or own an operating property, tell Maddie about the opening or renovation schedule, management structure, and amenities. Bring current policies where available, revenue projections, and lender or franchise requirements. We can review the decisions that need to happen before opening, renewal, or the next project.
Talk with your advisorCommon questions
Hospitality insurance, explained.
What insurance should a hotel owner or operator review?
A hotel program commonly includes property, business income, general liability, umbrella or excess liability, and workers’ compensation. Equipment breakdown, cyber, employment practices, liquor liability, and auto may also be relevant, depending on the operation.
Does hotel insurance cover lost revenue when rooms are unavailable?
Business income coverage may respond when a covered event interrupts operations. The cause of loss, policy terms, waiting periods, limits, and restoration period matter. Coverage should be reviewed against the hotel’s revenue patterns and recovery timeline.
Do pools, restaurants, or events change the insurance review?
Yes. Amenities and services can introduce exposures beyond lodging. We review who operates them, applicable liability coverage, and responsibilities under vendor or management agreements.
When should we review insurance for a hotel renovation or acquisition?
Before work starts or the acquisition closes. Review remaining operations, construction activity, changes in ownership or management, and lender or brand requirements so insurers can assess the changes in advance.
Who should I contact about hotel and hospitality insurance?
Contact Maddie Dunkle at m.dunkle@arvorinsurance.com. Maddie leads Arvor’s hospitality practice and can discuss your hotel’s operations, current coverage, and upcoming plans.
Let’s talk about your business.
Connect with Maddie Dunkle to discuss your current coverage and what you need from your broker.
Coverage and services depend on your operations, agreed scope, insurer underwriting, and policy terms. See our coverage disclosures.