Sleep Easy – We’ve Got Your Hotel and Motel Insurance Covered

Owning or managing a hotel or motel means delivering a consistent, excellent guest experience. All while managing complicated challenges—24/7. From kitchen fires and guest injuries to data breaches and staffing challenges, a single incident can have a ripple effect on the business, occupancy, reputation, and revenue. That’s where we come in. At Insuring Minnesota, we specialize in helping hospitality companies to protect what they’ve built with smart, comprehensive commercial insurance—customized to your business, your property, your people, and your plans for future growth.

A Thorough Coverage Review—We Leave No Stone Unturned

We start with a detailed, plain-English review of your current policies. Our goal is to identify gaps, overlaps, and outdated low limits before they become unanticipated costly surprises. We look closely at the following:

• Property & Business Interruption: Building, contents, outdoor signage, and income protection that reflects your actual time to recover—accounting for supply chain delays and peak seasons. The coverage limits should be accurate and make sense.
• General Liability Insurance & Guest Property: Slip-and-fall exposures, pool and spa areas, shuttle services, and coverage for guest belongings in your care (bailees coverage).
• Liquor Liability Insurance (where applicable): Bars, lounges, restaurants, banquet rooms, and events hosted on-site.
• Cyber Liability & Data Breach: Front desk systems, online booking engines, and payment processing that make you a target for cybercrime.
• Employment Practices Liability (EPLI): Hiring, firing, discrimination, harassment, sexual harassment, retaliation, wage-and-hour claims—real exposures in a higher turnover industry that operates 24/7.
• Commercial Auto Insurance / Hired & Non-Owned Auto: Airport shuttles, maintenance vehicles, and staff errands.
• Equipment Breakdown: Boilers, HVAC, laundry machines, kitchen equipment—critical systems that keep your property running.
• Crime & Fidelity: Employee theft, credit card fraud, and counterfeit currency exposures.
• Umbrella/Excess Liability: An extra level of liability protection that sits on top of your primary policies—often the best dollar-for-dollar risk management you can buy. It’s common to see a contractual requirement of $5 million.

We’ll benchmark limits, endorsements, deductibles, and sub-limits against your property’s profile—construction type, square footage, number of rooms, amenities, occupancy mix, franchisor requirements, and future renovation plans—so your insurance coverage actually fits the way you operate.

We Market Multiple Insurance Companies—Let Them Fight for Your Business!

Because we work with multiple top-rated insurance companies, we do the legwork of shopping the market for you. That means:

• Competitive, side-by-side quotes so you can compare coverage and price transparently.
• Hospitality-focused insurance endorsements (from guest property extensions to event liability) that many general packages miss.
• Admitted and surplus lines options to handle unique amenities or elevated-hazard features.
• Loss-sensitive and dividend programs when they make sense for your loss history and size. This is something that should not be overlooked.
• Negotiation and calendarized remarketing so renewals don’t sneak up on you and rates stay in check. We’re on your side!

Our insurance company, underwriter & relationships, plus property-type expertise help us present your business in the best possible light, improving underwriting outcomes and often unlocking better pricing or broader policy terms.

Proactive Risk Management That Helps Protect Profits

Insurance is only one piece of a complex puzzle. We bring practical, hotel-specific risk control:

• Safety checklists for pools, fitness centers, and breakfast areas.
• Vendor certificates & contracts for landscapers, snow removal, and third-party event providers.
• Claims advocacy to expedite repairs, manage vendors, and get rooms back in service quickly.
• Training resources on guest incident reporting, room entry protocols, and cyber hygiene for front desk teams.

These steps really help reduce claims frequency and the level of severity, which supports better long-term pricing and fewer operational headaches.

Clear Service, Real People, Fast Answers

All our insurance policies come with a dedicated agent who knows your property and responds quickly—certificates for events, proof of insurance for lenders or franchisors, adding locations, or talking through a claim. No call centers. No runaround. Just experienced hospitality insurance experts who speak your language.

Ready to Strengthen Your Coverage and Lower Your Stress?

Catch phrase: Sleep Easy – We’ve Got Your Hotel and Motel Insurance Covered!

Let’s review your current hotel or motel policies to identify potential savings and coverage upgrades, and then shop multiple carriers to find the right fit for your hotel or motel. Call Insuring Minnesota at 952-222-8073 to schedule your complimentary coverage review or reach out online to get started today.