Hotel & Motel Insurance
Hotels and motels operate around the clock with guests, employees and visitors on site. Fire, water damage and liability claims can be costly, and a closure means lost bookings. Pacific Southwest Insurance Services insures independent hotels, motels and inns with property and liability coverage built for hospitality.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our hotel & motel clients include:
- Independent motels
- Limited-service hotels
- Boutique hotels
- Bed and breakfasts and inns
- Extended-stay properties
- Franchise hotels
Coverage Options
- Building coverage: Covers the structure, pools, signs and outdoor property.
- Furniture, fixtures and equipment: Covers beds, linens, TVs, laundry and kitchen equipment.
- Business income: Replaces lost room revenue during a covered closure.
- Innkeepers liability: Covers guests’ property in your care.
- General liability: Covers guest injuries in rooms, pools and common areas.
- Equipment breakdown: Covers boilers, HVAC, laundry and elevator systems.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Number of rooms and occupancy
- Building age, construction and updates
- Sprinklers and alarms
- Pools, restaurants and bars on site
- Interior vs. exterior corridors
- Location
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Frequently Asked Questions
Are guests’ belongings covered?
Innkeepers liability covers guest property when you’re legally responsible. State laws may limit your liability.
Does a pool raise my rates?
Pools add liability exposure. Safety features like fencing, signage and self-closing gates help.
Is earthquake damage covered?
No. Standard commercial property policies exclude earthquake. In California we strongly recommend a separate commercial earthquake or difference-in-conditions (DIC) policy, and we can quote one alongside your property coverage.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Hotel & Motel Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.