Business Insurance for Luxury and Boutique Hotels

Zurich offers specialized hotel insurance for the upscale hospitality industry, with coverages designed to help protect their property, employees and guests. Our broad appetite encompasses boutique hotels, condo hotels, premier and full-service hotels and resorts.

Our Program Administrator has the hotel business insurance experience and knowledge needed to find the coverage to meet the needs of customers falling within our broad appetite for high-end hotel, resort, condo and apartel (apartment/hotel) businesses.

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Business owners: Contact your insurance agent or broker

Insurance agents

Call a specialist now 847-762-7152

Appetite

  • Resorts with multiple restaurants and amenities such as conference, banquet, fitness, pools, spa services, retail, etc.
  • Premier hotels: 4- and 5-star hotels of various sizes, but generally standalone facilities that may include amenities noted above
  • Boutique and independent hotels
  • Distinctive properties
  • Some special amenities and specialty services
  • Full-service franchise hotels
  • Branded hotels with restaurant, conference, spas, meeting rooms and/or pools

Geography

  • Nationwide, except Florida

Coverages offered

  • Blanket Building/Personal Property and Business Interruption
  • General Liability (includes liquor liability and herbicide/pesticide cover for hotel and golf exposures)
  • Commercial Auto for fleets and GKLL (can include valet parking)
  • Excess Umbrella Liability

Coverage limits

  • General Liability – $1/2 Million and $1/3 Million 
  • Umbrella – Up to $5 Million
  • Auto Liability – $1 Million
  • Property – Dependent on construction
     
  • Economy hotels (limited service)
  • Motels
  • Short stay hotels (motels that are rented by the hour or afternoon)
  • Hostels
  • Bed and breakfast (under 20 rooms)
  • Condo hotels
  • Admitted
  • Forms available upon request for contact from Program Administrator
  • ACORD applications (including a complete SOV)
  • Supplemental applications
  • Currently valued loss runs for the past five years
  • Loss prevention guidance from professionals who have reviewed thousands of resorts and hotel properties nationwide

Frequently Asked Questions

What is resort and boutique hotel insurance?

Upscale hospitality businesses with special services and amenities face risk exposures that can differ from other hotel types. Hotel insurance developed for those exposures may help protect against losses related to property, business interruption, general liability, professional liability and more. This coverage may be needed by owners and/or hotel management companies.

Why is hotel insurance important?

Every business needs to protect itself against significant losses of business, but that’s especially true in the hospitality industry, where an unexpected closure or property damage can leave a trail of dissatisfied guests or discourage potential future guests. Liability exposures loom large in this public-facing industry. Hotel insurance coverage can be an essential part of keeping your business running and thriving.

Why choose Zurich for your Hotel package insurance policy ?

The financial strength and industry standing of Zurich backs the specialized knowledge base and experience of our Program Administrator. We can help cover a range of high-end hospitality operations (see our appetite section). Our Business Insurance for Luxury Resorts and Hotels is available across the U.S., except for Florida.