Hotel Insurance

Your Tailored Hotel Insurance Solution

At GNY, we recognize the specific requirements of the hotel insurance sector. Our commercial package seamlessly integrates property coverage with hotel liability insurance, offering enhancements tailored to the unique challenges faced by your business—all within a single, easy-to-manage policy. Optional coverages are also available to create a fully customized hotel insurance program.

Our hotel insurance package policy is ideal for:

• Independent hotels
• Franchised hotels

Hotel Insurance Included Coverages:

• Hotel Property Insurance - Protects against damage to your hotel premises and belongings due to incidents such as fire, alongside coverage for business interruptions and mechanical failures.
• Hotel Liability Insurance - Offers legal defense and financial protection against claims of bodily injury resulting from accidents, medical expenses, and specific Personal and Advertising Injuries.
• Limits available up to $1 million per occurrence
• $2 million aggregate limit
• Medical payments coverage up to $10,000
• Industry-specific enhancements - Over 20 specialized enhancements are integrated into the policy to meet the unique hotel insurance needs, which include:
• Backup of sewer drains
• Business income related to reservation systems
• Customer reimbursement expenses
• Debris removal
• Hotel key card system coverage
• Innkeepers legal liability
• Ordinance or Law coverage
• Evacuation expenses
• Supplemental refrigerated food coverage

Optional coverages for enhanced hotel insurance:

Every hotel is distinct. That’s why we provide additional coverages to further personalize your hotel liability insurance program, including:

• Commercial Auto (owned/non-owned/hired vehicles)
• Commercial Umbrella
• Crime Coverage
• Crime Coverage for Property Managers
• Cyber Suite Protection
• Directors & Officers Insurance
• Employment Practices Liability Insurance
• Workers’ Compensation Insurance

For a full description of the coverages, limits, conditions, and exclusions, please refer to the insurance policies themselves.

Not all products are available in every state, and not all products can be included in all multi-peril packages offered by GNY Insurance Companies. Please consult your GNY affiliated broker for more details.