Hotel Insurance
Workers' Comp and Liability
We've developed affordable insurance programs for hotels and motels
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Give us a call today at 888-611-7467
Workers' Comp Coverage for Hotels
We've been helping hotel and motel owners find affordable coverage for over 15 years. Our Experts understand the unique underwriting requirements from the insurance companies. That's why we've developed programs designed to help you get the best rates and most flexible payment options.
We partner with the best carriers writing hotel coverage.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top Hotel Insurance Companies
Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.
Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for motels and hotels.
Cimarron is a fast growing insurance company providing Pay As You Go coverage for motels and motor courts.
Benchmark ia a fast growing carrier expanding into most states. Hotel insurance in an industry target.
Normandy has some of the lowest filed rates for many related class codes. They are open in numerous states.
ICW Group offers great coverage for all types of hotels and motels. They have outstanding rates for target risks.
UBIC offers excellent rates and great loss control resources for hotels and motels with or without food service.
PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.
AmTrust Financial provides exceptional value for many business types within the hospitality industry.
Shop coverage like a Pro.
Workers' Compensation Codes Related to Hotels
Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.
Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.
Class Code 9052 | Hotel Employees
Businesses primarily engaged in the operations of hotels, motels, apartment hotels, motor courts and boarding houses. The class code generally includes all staff except those that would qualify under class code 8810- Clerical or 9058- Hotel Restaurant and Food Service.
Examples of workers that would fall under this classification include front desk staff, managers, bellhops, reservation staff, housekeeping, maintenance staff, sales, drivers, store workers, laundry staff and garage employees.
Hotels and resorts that have country club operations with employees that work exclusively at the country club should be separately rated under class code 9060-Country Clubs and Golf Courses.
Class Code 9058 | Hotel- Restaurant Employees
When a hotel, motel, etc. directly manages a restaurant within the facility, and the employees are hired and paid by hotel, these food employees should be classified under the 9058 code. This class includes cooks, wait staff, bartenders, hosts, dishwashers, and restaurant managers.
If a hotel or motel leases or sublets space to a separate restaurant operator or business entity, employees should be classified under the appropriate restaurant class code.
Class Code 9044 | Hotel- Casino Gambling
Hotel or motel operators that offer legalized gambling on the hotel premises should be separately rated under code 9044. This class includes all gambling hotel staff in a similar fashion to class code 9052.
Alternative State Class Codes for Hotel:
Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.
| Class Code | State |
|---|---|
| 9050 | Hotel/Motel | California |
| 973 | Hotel Employees | Delaware / Pennsylvania |
| 945 | Hotel Restaurant | Delaware / Pennsylvania |
| 9079 | Hotel- Restaurant Employees | California / New Jersey |
Related: hotel, motel, inn, motor court, cabin rental, rooming house, boarding house, fraternity house, sorority house, workers dormitories.
Workers Compensation Shop.com is a national Agency, licensed throughout the United States.
Get the Best Hotel Insurance Coverage
A lot of smaller hotels and motels are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing hotel insurance since 2005.
| Program Features |
|---|
| No Minimum Premium Requirements |
| Pay As You Go Work Comp - $0 Deposit |
| Guaranteed Cost and Deductible Options |
| National Hotel Insurance Expertise |
| More Markets for More Solutions We shop renewals too |
| Commercial Package Insurance Options |
What Does Workers' Comp Cover?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
Lower Your Hotel Insurance Costs
The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for hotel operators:
Workers' Compensation and Employers Liability
General Liability Liability Insurance
Commercial and Personal Property
Umbrella Liability and more
Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.
Start a quote online or give one of our specialists a call at 888-611-7467.
How Much Does Hotel Insurance Cost?
The average rate our customers pay for workers' compensation under the hotel class code is around $2.29 per $100 of payroll. The average cost for a general liability insurance policy is about $7,800.00.
Workers' Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type of hotel/motel work can modify rates
- Premium discounts and policy credits may apply
General Liability Costs
- GL rates are based on sales (rated per $1000)
- Gross revenue may affect pricing
- The type of facility matters to underwriters
- Prior clams and years in business affect pricing
- SIC code 7011
Then there's Trusted Service.
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How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
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- Fast
- Easy
Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
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