The Hartford doesn’t offer hotel insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Hotel Insurance?
Hotel insurance is a package of different types of business insurance coverages designed to help protect you from the risks you face as you run your motel, hotel or other hospitality business. Whether it’s a guest slipping by the pool, a kitchen fire, a broken shuttle bus or a claim from a disgruntled employee, insurance can provide the support you need to bounce back faster.
A hotel insurance package can include these common types of coverages:
- Commercial property insurance
- Workers’ compensation insurance
- General liability insurance
- Cyber insurance
Although The Hartford doesn’t offer insurance for hotels, you may be able to get the coverage you’re looking for through Tivly.
Why Might You Need Hotel Insurance?
Hotel insurance is a collection of coverages that helps protect you when everyday operations take a wrong turn. Having the right protection can help you keep your hotel doors open and your reputation intact.
Insurance for hotel owners can help safeguard your business against many potential risks, like:
- Slip and Fall: A guest slips on wet tiles in your entrance and claims bodily injury.
- Equipment Breakdown: A broken HVAC system forces you to take several rooms out of service.
- Auto Accidents: Your shuttle bus gets into a collision on the way to the airport.
What Does Hotel Insurance Coverage Include?
When it comes to protecting your hotel, you’ll want to ensure your coverage matches your potential risks. You can tailor your insurance policy so it’s unique to your hotel’s needs. Common types of coverage include:
General liability insurance to help protect your hotel from claims that it caused bodily injury or property damage to others. For example, if a guest trips on a loose carpet and sues you to pay for their medical bills, general liability can help cover those expenses.
Workers’ compensation insurance to help support your employees if they get a work-related injury or illness. This insurance gives them benefits to help them recover and can help pay their medical bills or replace lost wages if they can’t work.
Commercial auto insurance to help cover the costs of an auto accident that occurs while you or one of your employees is using a company-owned vehicle for work. For example, if your hotel shuttle driver gets into a fender bender while picking up guests, commercial auto insurance can help cover repair costs and liability claims.
How Much Does Hotel Insurance Cost?
Although The Hartford doesn’t offer coverage for hotels, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your insurance cost:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of hotel insurance varies because every property has unique risks. Insurance companies may consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific hospitality business insurance costs, get a free online get a free quote online through Tivly.
General Liability Insurance
“A guest slipped and fell in our lobby as they were checking in. They sued us because we didn’t have a ‘wet floor’ sign out.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance
“A former employee accused our manager of discriminating against him.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Workers’ Compensation Insurance
“One of our housekeepers injured her knee while cleaning a guest room and needed a month off to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“One of our security guards used the hotel van to drive a guest to another facility on the property. He accidentally side-swiped a car in the parking lot.”
Commercial auto insurance helps protect your employees on the road when using a company-owned vehicle for work.
Commercial Property Insurance
“Someone broke into our event space just before wedding season. They vandalized the walls and damaged a lot of our furniture. We had to pay extra for rush repairs.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Business Income Insurance
“A fire broke out in a guest room and quickly spread throughout the floor. We needed to shut down to fix the damage and had to refund our guests for their stay.”
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage. This insurance can help you pay ongoing operating costs, such as payroll or utility bills.
Get a Quote for Hotel Insurance Options
Protect your team and your amenities. Get a quote through Tivly today.
Last Updated: January 27, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small-Business Claims,” Viewed January 2026
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023,” Viewed June 2025
4 Kroll, “Webinar – Current Trends in Property Insurance Valuation,” Viewed June 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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