Hotel & Hospitality Property.
Coverage guidance for hotels, boutique hotels, and eligible lodging properties.
About Hotel & Hospitality Property Insurance
Hotels and hospitality properties face unique risks, from guest liability to large building footprints to business interruption. We help Texas hospitality property owners understand their coverage options.
Common Risk Exposures
Guest Liability
Claims from guests for injuries or incidents on the property.
Large Building Footprint
Significant building replacement costs.
Business Interruption
Lost room revenue when the property is closed after a covered loss.
Amenities
Pools, fitness centers, and restaurants create additional liability exposure.
Relevant Insurance Coverage
Coverage options commonly considered for hotel & hospitality property insurance.
Commercial Building Insurance
Help protect the hotel building structure.
Business Personal Property
Help protect furnishings, equipment, and supplies.
General Liability Insurance
Help protect against certain guest liability claims.
Business Income
May help replace lost room revenue.
Commercial Flood Insurance
Help protect against flood-related losses.
Things to Think About
Umbrella Liability
Higher liability limits may be appropriate for hospitality properties.
Liquor Liability
Hotels with bars or restaurants may need liquor liability coverage.
Pool and Spa
Amenities like pools and spas create specific liability considerations.
What type of property?
Select the property type that best describes your building.
Hotel & Hospitality Property Insurance Questions, Answered
It typically helps protect the building, furnishings, and equipment, along with the owner's liability. Business income coverage may help replace lost room revenue after a covered loss.
Pools and spas create additional liability exposure. We help you understand your options, which may include higher liability limits or umbrella coverage.
Business income coverage may help replace lost revenue when the hotel is closed after a covered loss. We help you determine appropriate coverage.
Ready to Explore Your Options?
Start with a few details about your property and let our team help with the rest.
Coverage Disclaimer: This page is for informational purposes only and does not describe any specific insurance policy. Coverage, availability, eligibility, features, discounts, and limits vary by product and jurisdiction and are subject to policy terms, conditions, limitations, and exclusions. Actual terms, limits, exclusions, eligibility, and availability depend on the selected policy and insurer. Contact Texas Commercial Property Insurance to discuss your specific situation and available options.