HOSPITALITY INSURANCE
Insurance Built for Hotels & Hospitality
From boutique motels to full-service resorts, Hoya designs insurance programs that protect your property, your guests, and your staff — so you can focus on delivering exceptional experiences.
30+
Years insuring hospitality
48
States we operate in
3
Service languages
Fast
Certificate turnaround
COVERAGE OPTIONS
What We Cover
A complete insurance program for hospitality businesses — from the front desk to the pool deck.
Commercial Property
Protect your hotel building, furnishings, equipment, and guest amenities from fire, theft, water damage, and natural disasters.
- Building & structure
- Furniture, fixtures & equipment
- Business interruption
- Loss of rental income
General Liability
Core protection for bodily injury and property damage claims from guests, visitors, and vendors on your property.
- Premises & operations
- Guest injury claims
- Slip & fall coverage
- Contractual liability
Liquor Liability
If your property serves alcohol at a bar, restaurant, or event space, liquor liability is essential protection against alcohol-related claims.
- Dram shop liability
- Guest intoxication claims
- Third-party injury
- Event & banquet coverage
Workers' Compensation
Hospitality workers face real injury risks — kitchen burns, slip and falls, and repetitive motion injuries. Protect your team.
- Medical expense coverage
- Lost wage replacement
- Employer's liability
- Seasonal worker coverage
Commercial Auto
Coverage for shuttle vans, courtesy vehicles, and company cars used to transport guests and staff.
- Owned & leased vehicles
- Hired & non-owned auto
- Guest shuttle programs
- Valet operations
Cyber Liability
Hotels collect vast amounts of guest payment and personal data. A breach can be devastating — financially and reputationally.
- Payment card data breach
- Ransomware & extortion
- Guest notification costs
- Regulatory fines & penalties
Employment Practices Liability (EPLI)
Protection against claims of wrongful termination, discrimination, harassment, and wage disputes from employees.
- Wrongful termination
- Discrimination claims
- Sexual harassment
- Wage & hour disputes
Umbrella / Excess Liability
Additional liability limits above your primary policies — important for properties with pools, spas, and event facilities.
- Excess over GL, auto & WC
- High-limit options
- Pool & spa liability
- Event venue coverage
RISK LANDSCAPE
The risks hospitality businesses face
Hotels and resorts face a unique combination of property, liability, and reputational risks. A single guest injury, data breach, or kitchen fire can cost far more than the incident itself. Hoya helps you build a program that protects your guests, your staff, and your investment.
Talk to a specialist- Guest slip and fall injuries on property
- Pool, spa, and fitness center accidents
- Alcohol-related incidents at bars and events
- Guest data breaches and payment card theft
- Kitchen fires and food safety incidents
- Employee injury claims in housekeeping and kitchen
- Property damage from fire, flood, or severe weather
- Reputational damage from negative online reviews
Ready to protect your hospitality business?
Our team understands the unique risks of hotels, motels, and resorts. Let's build a program that protects your property, your guests, and your reputation.