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
Common Claims We See
- Water damage: Overflowing tubs and leaks in guest rooms damage floors below.
- Pool and lobby injuries: Slip-and-falls at pools and entrances lead to claims.
- Room fires: Smoking and electrical faults start fires.
- Security incidents: Guest safety and theft claims are a concern.
Tips for Hotel and Motel Owners
- Inspect plumbing and water heaters regularly.
- Post pool rules and keep the pool area fenced and gated.
- Train staff on security and emergencies.
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.
Does my policy cover lost bookings after a fire?
Business income coverage can replace lost revenue while you’re closed for repairs after a covered loss.
Do I need liquor liability for a hotel bar?
Yes. If you serve alcohol, liquor liability is important and may be required.
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.
Get a Free Quote
Tell us what you need and a licensed agent will follow up, usually the same business day.