Protection for Hotels and Motels

Hotels can be luxury resorts where couples go for an intimate escape from the daily grind of life or

simple, inexpensive motel rooms for an overnight stay in the middle of a long drive. Hotels and motels

do need hotel insurance to protect from the many perils they can face on a daily basis. Hotel insurance

has both liability and property coverage, affording an excellent level of coverage for a type of business

always facing perils.

Hotel insurance is made up of a variety of components offering a wide variety of coverage. The two

basic components are liability hotel insurance coverage and contents hotel insurance coverage.

Liability hotel insurance coverage protects the hotel from having to bear the brunt of the costs tied to a

liability claim. Liability claims are potentially the most costly to hotels and motels, since there is a high

customer turnover that has the ability to claim just about anything, justified or not. Even paying for the

court costs on a liability claim can become expensive. Liability claims from employees are also covered

by hotel insurance. Contents coverage in hotel insurance protects anything in a hotel room. Anything

from the hotel owned appliances, such as the TV or coffee maker, to guest contents, such as luggage

and purses, is protected from loss in hotel insurance. Towels and bedding are frequently removed from

the rooms, and the cost of replacement is also covered under hotel insurance.

There are other useful riders that can be attached to the basic hotel insurance policy. Theft by

employees is an unfortunate peril any business must face, and hotel insurance can have a theft

protection rider added to the basic hotel insurance policy. This includes both money and contents on

the hotel property. Loss of business coverage can also be an invaluable rider on a hotel insurance

policy. If the hotel is receiving repairs caused by a covered peril, loss of business coverage in a hotel

insurance policy pays for the expenses associated with maintaining business during the repairs. Other

important riders involve damages related to equipment failure or loss. These additions to a hotel

insurance policy protect from accidental breakage, damage, or loss to many types of hotel equipment,

from glass fixtures to water mains.

Given the amount of businesses many hotels and motels handle, the protection that hotel insurance

gives the property can be a very effective method for handling any perils or damages that can befall the

establishment. Hotel insurance provides assurances that any peril to affect the property will not spell

the end of the establishment. To find the best hotel insurance, hotel managers and owners can look

through insurance agencies themselves or contact an independent insurance agency. Independent

insurance agencies can use their affiliations with insurance providers to find the best business insurance

quotes for hotel insurance, saving managers and owners the time used searching on their own.

About Boardwalk Insurance: Boardwalk Insurance Group is licensed to write hotel insurance policies in

over half the United States and has many other insurance solutions available through its affiliated

insurance providers. For More Details visit http://www.boardwalkinsurance.com