Hospitality Insurance Tailored to Your Business
Guests, staff, vendors, and daily operations all depend on your ability to manage risk. Hospitality insurance helps you protect your property, your people, and your reputation so you can focus on creating a great guest experience.
Ingram Insurance Group provides hospitality insurance solutions for hotels, motels, bed-and-breakfasts, and other lodging businesses across OH, KY, WV, TN, PA, MI, and FL. As an independent agency, we help you find coverage that aligns with your locations, operations, and risk tolerance, rather than a one-size-fits-all policy.
Protecting Your Property, Guests, and Operations
Hotels and other lodging businesses face a wide range of exposures, from guest injuries and property damage to employee claims and business interruption. Without the right insurance in place, one incident can become a major financial and operational setback.
We focus on helping you identify your risks and then build insurance protection around your buildings, income, and liability exposures. Whether you operate a single roadside motel or a portfolio of properties, our goal is to help you secure coverage that supports long-term stability and growth.
Key coverages that are often important for hospitality businesses include:
-
Property insurance for buildings, furnishings, equipment, and other physical assets
-
General liability insurance for guest injuries, third-party property damage, and related claims
-
Business income coverage to help replace lost income if a covered claim shuts down or limits operations
-
Commercial auto coverage for owned business vehicles or shuttle services
-
Workers compensation coverage for employee injuries and related medical costs
We can also help address coverage needs related to specialized operations, such as on-site restaurants, bars, event spaces, or conference facilities, to the extent they fit within our business insurance offerings.
Interactive Graphic
Building / Property Insurance
Risk Factor
Is your building subject to severe weather events, fire, or burst pipes? Most are. These situations and others can cause significant damage to the structure leading to costly repairs.
Solution
Building coverage protects the permanent structure from most weather perils, burst pipes, a fire, and other losses.
Innkeepers Legal Liability
Risk Factor
You are required by law to keep your guests’ valuable personal items secure and safe, and you can be held responsible for loss or damage unless caused by an act of nature or the actions of the guest.
Solution
An innkeepers legal liability policy can protect against losses to your guests’ personal items when they are being stored in your hotel. Requirements vary by state, including maximum liability per guest, the types of items that are covered, where the item was stored, and the value of the item.
General Liability
Risk Factor
Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These are all accidents waiting to happen that make your business susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.
Solution
General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.
Liquor Liability
Risk Factor
Any establishment that sells, serves, or assists in the purchase or use of liquor is open to a liability claim as a consequence of someone getting inebriated to the extent that injuries or property damage result.
Solution
If you are in the business of selling or serving alcohol, it is critical that you protect your business from potential financial losses by being covered by a liquor liability insurance policy. Having the right policy in place could help cover your legal costs, court fees, and any civil or criminal damages stemming from an incident involving liquor.
Valet Parking
Risk Factor
Providing a valet service is convenient for your guests, but damaging a vehicle, property, or causing injury is a very real risk associated with it.
Solution
Obtain a general liability policy to protect your business from lawsuits by a third party. Be certain that a garagekeepers legal liability policy is in effect with adequate limits to cover any physical damage to your guest's vehicle or other vehicles on site. If you are using an independent valet service, obtain a certificate of insurance to verify they have the proper coverage with adequate limits. Also make sure that your business is named as an additional insured under their policy.
Cyber Insurance
Risk Factor
Hotels rely on technology to run almost every facet of their business and store sensitive information such as credit cards, passwords, and guests’ personal data. You are at risk if this information is lost, stolen, or compromised. You may be legally obligated to alert those impacted by the breach and possibly pay fines, restitution, and defense costs.
Solution
Experiencing a data breach is often not a question of if, but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring service, and paying for regulatory defense, as well as penalties arising from privacy law violations.
Workers’ Compensation
Risk Factor
Most states require an employer to provide coverage for any injuries their employees experience while on the job, as well as any job-related illnesses.
Solution
Maintain workers’ compensation insurance to provide benefits to eligible employees, otherwise, you can be penalized for every day that coverage is not maintained, as well as for any benefits an employee would have been eligible for in the event of a job-related injury or sickness.
EPLI
Risk Factor
On average, it’s estimated that three out of five businesses will be sued by their employees. Hotels, just like any other business, are vulnerable from the pre-hire process through to a possible reduction in workforce. Claims can stem from just about anything, such as someone taking a “joke” the wrong way and being offended.
Solution
Coverage to protect you against this risk normally comes as a standalone policy. The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations. Typically, the policy will cover your business as well as your directors and officers. Third party coverage is an added option, usually accomplished via a policy endorsement, and addresses claims made by customers or vendors against you from acts committed by employees.
Business or Commercial Auto
Risk Factor
When you own or operate a vehicle for your hotel, you expose your business to liability risks to other drivers, property owners, and your own guests while being driven.
Solution
A business auto insurance policy should be maintained if the vehicles are owned by the company. If employees are using their own vehicles at any time as part of their job duties, then hired and non-owned auto liability coverage should be maintained. Both will defend you if you are named in a lawsuit as a result of an employee getting into an accident while working for you.
Business Income
Risk Factor
What would you do if a fire impacted your operations? Or what if a pipe leak caused an extended downtime of a significant block of rooms? These and other events can destroy your ability to serve guests and bring in revenue, which can have a major long-term impact on the viability of your hotel.
Solution
Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
Commercial Umbrella
Risk Factor
What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?
Solution
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
How Our Hospitality Insurance Process Works
When you work with Ingram Insurance Group, you can expect a structured process designed to give you clarity and confidence. We start by learning about your hospitality operations, including property locations, building details, guest capacity, amenities, and any unique services you offer. We also discuss your existing insurance, loss history, and budget expectations.
Using that information, we review coverage options from multiple insurance companies and outline how each choice applies to your specific situation. We explain limits, deductibles, and key terms in plain language so you can make informed decisions. Once you select a coverage plan, we coordinate the details of policy placement, help you understand your insurance documents, and remain available to address questions or changes as your business evolves.
What You Can Expect as a Hospitality Client
You should know what your insurance covers and what it does not. That is why we focus on clear, direct communication about your policy structure and how it responds to different types of claims. We discuss topics such as guest injury scenarios, property damage events, and business income triggers, so you can see how your coverage is designed to respond.
As your operations grow or change, we can help you review your policies, discuss new exposures, and adjust limits or coverages where appropriate. Whether you are adding rooms, renovating a property, or expanding into another state within our service area, we can help you consider how those changes may affect your insurance needs.
Why Hospitality Businesses Work with Ingram Insurance Group
Hospitality operations are often high-traffic, service-driven environments that depend on consistent, reliable coverage. Ingram Insurance Group is an independent insurance agency based in Dayton, Ohio, serving clients across OH, KY, WV, TN, PA, MI, and FL. Our work with real estate investment properties and commercial risks helps us understand the importance of protecting both your physical assets and your income stream.
Because we are independent, we are not limited to a single insurance company. We can review options from multiple carriers and help you compare them based on coverage, terms, and fit for your hospitality business. Our role is to be a long-term resource, helping you align your insurance program with your operations and risk tolerance as your business evolves.
Hospitality Insurance FAQs
What types of hospitality businesses can benefit from this coverage?
Hospitality insurance can be important for hotels, motels, extended-stay properties, bed and breakfasts, boutique inns, and similar lodging operations. If you host overnight guests, own or lease buildings, or employ staff, you likely face property, liability, and business income exposures that insurance can help address.
Why is general liability insurance important for hotels and lodging businesses?
General liability insurance helps protect your business if a guest or third party alleges bodily injury or property damage related to your operations. Examples can include slip-and-fall incidents, injuries on walkways or in common areas, or damage to guest property. This coverage is often a core part of a hospitality insurance program.
Do I need separate coverage if my hotel has a restaurant or bar?
Hospitality businesses that operate on-site restaurants, lounges, or bars may have additional risks beyond lodging activities. Depending on your operations, separate or additional coverage for those exposures may be appropriate. We can review your specific setup and discuss what types of coverage are available within our business insurance offerings.
What is business income coverage and how can it help a hospitality business?
Business income coverage is intended to help replace lost income and certain ongoing expenses if your operations are interrupted due to a covered property loss, such as a fire that closes part or all of your property. For hotels and other lodging businesses that rely on steady occupancy, this coverage can be an important part of maintaining financial stability after a covered claim.
How often should I review my hospitality insurance program?
It is generally wise to review your hospitality insurance every year and any time you have a significant change, such as renovations, new amenities, additional locations, or changes in occupancy levels. Regular reviews can help ensure that your limits, coverage types, and policy structure continue to align with your operations and risk tolerance.
Protect Your Hospitality Business With Tailored Coverage Today
Secure the future of your property, staff, and guests with customized hospitality insurance from Ingram Insurance Group. If you are ready to review your coverage or request a quote, simply contact us and we will help you put the right protection in place.
Let’s Get Started
Hospitality Insurance Quote Request
"*" indicates required fields
Don’t like forms? Contact us at or email us.
