Protect Your Hospitality Business with Insurance for Hotels, Motels, Resorts, & B&B

Safeguard Your Hotel or Motel

Running a hotel, motel, resort, or bed & breakfast comes with unique risks. From employee or customer injuries to property damage, hospitality businesses face exposures that can impact operations, customer satisfaction, and your bottom line. Choosing the right hotel or hospitality insurance ensures your Ohio, Kentucky, or Indiana business is protected.

Why Hospitality Insurance Matters

Hospitality business insurance for Ohio, Kentucky, and Indiana covers a variety of risks, including:

• Liability insurance for customer injuries or third-party claims
• Property insurance for hospitality businesses covering buildings, equipment, and rental income
• Workers compensation for hotel staff to cover medical care, lost wages, and retraining

AmTrust-appointed agents help tailor commercial hospitality insurance policies to your business’s specific needs, whether for hotel and motel insurance, or B&Bs.

Key Coverage Types for Hospitality Businesses

Workers’ Compensation Insurance

Workers' Compensation Insurance protects your business and office workers by providing benefits to employees injured in the workplace. These benefits can address medical care and related medical costs, retraining and lost wages until the employee can return to work or compensation for permanent disability.

• Protects employees injured on the job
• Covers medical expenses and lost wages
• Supports permanent disability claims

General Liability Insurance

General Liability Insurance provides coverage to a hospitality business for bodily injury, personal injury and property damage caused by the business’s operations, products, or injury that occurs on the business’s premises. This type of business insurance offers coverage for third parties who experience harm to themselves or their property because of something you or your workers did or failed to do.

• Provides coverage for bodily injury, property damage, and personal injury
• Protects against lawsuits arising from daily operations
• Offers commercial general liability insurance for hotels, motels, and restaurants

Commercial Property Insurance

Commercial Property Insurance is crucial for your hospitality business. It protects your building, contents, business income, and rental income from commonly experienced losses, including fire, explosion, pipe bursts, storms, theft, vandalism, and flood and earthquake (when this type of coverage has been added to the policy).

• Protects buildings, equipment, and business income
• Covers fire, theft, vandalism, storms, and more
• Includes optional flood and earthquake coverage

Commercial Auto Insurance

Commercial auto coverage is designed to protect hospitality businesses of all sizes from litigation related to automotive incidents, including auto collision, an unloading accident, or a new work truck stolen from the parking lot.

• Covers business vehicles used for hospitality operations
• Protects against collisions, theft, and liability claims

Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance (EPLI) coverage protects professional service organizations in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time, seasonal, volunteers and independent contract workers.

• Covers claims of discrimination, wrongful termination, or harassment
• Applies to all employees, including part-time and seasonal staff

Cyber Insurance

Any business using computers to complete day-to-day tasks should consider cyber insurance a necessary coverage. Cyber liability insurance provides coverage for certain losses incurred as a result of data breaches. Businesses are increasingly facing cyber risks that can threaten their operations and even their existence.

• Protects against data breaches and cyberattacks
• Ensures business continuity in case of digital threats
• Complements traditional hotel and restaurant insurance coverage

Get Your Business Protected Today

Don’t leave your hospitality business exposed. Business insurance for hotels ensures you’re protected from common risks while giving peace of mind. Covella Insurance Partners provides comprehensive hospitality insurance for Cincinnati OH, covering all of Ohio, Kentucky, and Indiana, including:

• Tailored coverage for hotels, motels, resorts, and B&Bs
• Expert guidance on general liability insurance and property insurance for hospitality businesses
• Bundled solutions including workers comp, cyber insurance, and commercial auto

Contact Covella Insurance Partners Today for a Free Quote

Contact Covella Insurance Partners to secure your hospitality business insurance in Ohio, Kentucky, and Indiana. Protect your property, employees, and customers with the right coverage.

Call us now at (513) 489-6422, email info@covellains.com, or click here to get a quote.

Frequently Asked Questions – Hospitality Insurance

Q1: What is hospitality insurance?
 A: Hospitality insurance is designed to protect hotels, motels, resorts, inns, and bed & breakfasts from risks such as property damage, liability claims, employee injuries, and cyber incidents. It combines multiple coverages to safeguard your business assets, employees, and guests.

Q2: Who needs hotel or motel insurance?
 A: Any hospitality business operating in Cincinnati, OH, or throughout Ohio, Kentucky, and Indiana should consider hotel insurance or motel insurance. This includes hotels, motels, resorts, inns, and B&Bs that interact with guests, handle property, and operate commercial vehicles.

Q3: What types of coverage are included in hospitality insurance?
 A: Typical coverage includes:

• General liability insurance for hotels– protects against bodily injury, property damage, and advertising injury claims
• Property insurance for hospitality businesses– covers buildings, contents, and rental income
• Workers’ compensation– protects employees against workplace injuries
• Commercial auto insurance– covers vehicles used in operations
• Employment practices liability (EPLI)– protects against claims such as discrimination or harassment
• Cyber liability insurance– covers data breaches and cyberattacks

Q4: How does hospitality insurance protect my business from lawsuits?
 A: General commercial liability insurance in Cincinnati OH shields your business from claims related to customer or employee injuries, property damage, and professional errors. By combining multiple coverages, commercial hospitality insurance helps mitigate financial losses from lawsuits and legal fees.

Q5: Can I bundle different types of coverage?
 A: Yes. Hotel and motel insurance in Cincinnati OH can be bundled with commercial property insurance, workers compensation, EPLI, and cyber insurance. Bundling coverage provides comprehensive protection and may reduce overall insurance costs.

Q6: How do I determine the right coverage for my hospitality business?
 A: Coverage depends on your business type, size, number of employees, property value, and customer exposure. Covella Insurance Partners provides expert guidance to customize hospitality business insurance Ohio, Kentucky, and Indiana for your unique needs.

Q7: Why should I choose Covella Insurance Partners for hospitality insurance?
 A: Covella Insurance Partners specializes in hotel and restaurant insurance in Cincinnati OH. Our agents help you select the best combination of commercial liability insurance Indiana, general liability insurance, and property coverage to protect your business, employees, and customers.