Hotels & Hospitality Insurance
Protect your hospitality business to ensure the resilience of your establishment.
Shield Your Hospitality Business
Manna Insurance will serve to help you find the right coverage for your business in the hospitality industry.
Safeguard your establishment from a multitude of potential risks, including property damage due to natural disasters, accidents, or vandalism, as well as liability claims arising from guest injuries or disputes.
Hotels & Hospitality Insurance also provides coverage for business interruptions caused by unforeseen events like fires or pandemics, ensuring financial stability even during challenging times.
When you work with us, we will help to not only protect your investment and assets but also demonstrate a commitment to guest safety and satisfaction, building trust and resilience in an industry where reputation and guest experience are paramount.
So what coverage do I need?
Peace of Mind in Creating Memorable Experiences for Your Guests
Property Insurance
Your hotel's physical assets are your foundation. Property insurance covers damages or losses due to events like fire, theft, vandalism, or natural disasters.
General Liability
General Liability provides protection in case a guest or visitor is injured on your property or if their property is damaged while on your premises.
Commercial Auto
If your hospitality business has a fleet of vehicles, like shuttle buses, commercial auto insurance ensures that you're covered in case of accidents or damages involving your vehicles.
Employment Practices Liability Insurance (EPLI)
EPLI protects against claims related to wrongful termination, harassment, or discrimination by employees or former employees.
Equipment Breakdown
When your kitchen equipment or HVAC systems break down, it can be costly. This coverage helps cover repair or replacement costs.
Liquor Liability
If you serve alcohol on your property, this coverage is a must. It shields you from liabilities related to alcohol-related incidents that may occur on your premises.
Cyber Liability
In the digital age, safeguarding guest data is crucial. Cyber liability insurance helps protect your business from data breaches and the resulting legal and financial consequences.
Workers’ Compensation
Your staff is the heart of your hospitality business. Workers' comp provides coverage in case an employee is injured on the job, covering medical expenses and lost wages.
Business Interruption
Sometimes, unforeseen events like natural disasters can disrupt your operations. Business interruption insurance helps cover lost income and ongoing expenses during such interruptions.
Customizations
One of the beauties of hospitality insurance is that it's adaptable. You can customize your coverage based on the unique risks of your hotel or hospitality business. Whether you run a cozy bed-and-breakfast or a grand resort, there's a policy that fits like a tailored suit.
Ways to Save on Hotels & Hospitality Insurance
Regularly review and update your hotels and hospitality insurance policy to ensure it aligns with your establishment's current needs and value. Adjust coverage levels and deductibles as necessary to match your risk profile and budget.
Regular Review
Implement comprehensive risk management measures to minimize potential hazards and liabilities within your hospitality establishment. This includes safety protocols, staff training, and security measures, which can lead to lower insurance premiums.
Manage Risk & Safety
Frequent Questions About Hotels & Hospitality Insurance
Insurance can be complicated and confusing. We’re here to help answer your most common questions about hotels and hospitality insurance coverage.
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Hospitality insurance, also known as hotel insurance, is a specialized type of coverage designed to protect hotels and businesses in the hospitality industry from various risks and liabilities. Hotels need this insurance to safeguard their assets, guests, and employees from unforeseen events and potential legal claims.
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Hotel property insurance typically covers damage or loss to the hotel's physical assets, such as buildings, furniture, fixtures, and equipment. It also includes protection against risks like fire, theft, vandalism, and natural disasters.
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Yes, general liability insurance is essential for hotels. It provides coverage for third-party bodily injury, property damage, and personal injury claims that may occur on the hotel premises. This coverage is crucial for addressing incidents involving guests and visitors.
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Hotels that serve alcohol in their bars, restaurants, or events should consider liquor liability insurance. It provides protection against liabilities related to alcohol-related incidents, such as accidents or injuries involving intoxicated patrons.
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In most jurisdictions, workers' compensation insurance is mandatory for hotel employees. It provides coverage for medical expenses and lost wages for employees who are injured or become ill while performing their job duties.
More Coverage Options
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Business Insurance
Safeguard your business with tailored insurance solutions to keep your operations running smoothly.
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Commercial Real Estate Insurance
Protect your property investment from a wide range of risks, including property damage, liability claims, and income loss.
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Employee Benefits Insurance
Healthy employees, healthy operations. Keep your team feeling good with strong medical and benefit plans in reach.
Kind Words from Our Customers:
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Ciarra Flint
★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
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AJ Johnson
★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
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Emily Kooistra
★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!
Welcome to the Family
As a Manna Insurance customer, you are not just a number to us. We see you as part of our family and all that goes with being part of the #MannaFam.