Every room, every guest, covered.
Coverage for independent hotels, motels, inns and boutique properties, whether you own the building, operate it, or both.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Hospitality has its own exposures
A hotel or motel combines a building, a business and a steady stream of guests. Claims come from slips and falls, pools, security incidents and guests' property, and a fire or water loss can close rooms for months. Innkeepers liability covers guests' belongings in your care, which a standard policy may not address.
Older buildings, pools, bars and security all shape which carriers will quote. I package hotel and motel property, liability, liquor and workers' comp with carriers that write hospitality.
- Property and incomeBuilding, furnishings and lost room revenue after a covered loss.
- Guest liabilityInjuries on the property, including pools.
- Innkeepers liabilityGuests' property in your care.
- Liquor and workers' compBars and restaurants on site, and your staff.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Property: address, rooms, year built, construction and updates.
- Protection: sprinklers, alarms and security.
- Amenities: pool, restaurant, bar and events.
- Revenue: annual room and food and beverage revenue.
- Staff: payroll and employees.
- History: current policies and claims.
Hotel & motel insurance, answered
What is innkeepers liability?
Coverage for guests' property in your care, such as luggage or valuables. It's often a separate coverage part for hotels and motels.
Does a hotel policy cover lost room revenue?
Business income coverage can pay lost revenue while rooms are closed after a covered loss.
Are pools a problem for insurance?
Pools add liability and some carriers restrict them, but hotels with pools are insurable with the right safety measures.
What do underwriters rate on?
Rooms, location, building age and protection, amenities, revenue and claims history.
Do you offer hotel and motel insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your property. I'll shop it.
The address, room count and amenities are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.