Business Insurance for Hospitality


What do your guests always mention in their online reviews? Perhaps it’s the warm welcome they receive at your front desk or the surprisingly soft linens at your motel. Maybe you’re known for the excellent food at your hotel’s restaurant.

Whatever your style of hospitality, you have a unique mix of insurance needs. Farmers® agents are small business owners, too, and understand the challenges you face. They can serve as a valuable resource when you’re choosing coverage for your hotel, motel or B&B.

Here are just a few ways you can make your business less vulnerable to risk:

Your property is unique — and so is your Farmers policy

You can tailor Farmers coverage to the precise needs of your hotel, motel or bed and breakfast. Here are some examples:

  • Farmers makes it easy to customize a policy that meets a franchisor’s requirements — whether you need additional insured certificates, higher limits, employment practices liability insurance (EPLI), cyber liability or umbrella coverage.
  • You can also tailor coverage to specific needs like: signs located away from your insured premises; lost business income if a covered loss causes you reservation system to go down; or lost business income if a covered loss closes a local attraction you have specified in your policy.
  • You may serve breakfast, offer room service or even have a restaurant on your property. If so, food spoilage insurance can help replace perishable food if there’s a mechanical breakdown, contamination or power outage that results from a covered cause of loss.

Farmers works to build strong customer relationships

Farmers has spent almost 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a motel, hotel or B&B insurance quote. Be sure to let a Farmers agent deliver personalized service and support. 
You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

To learn more about what Farmers can do for your hospitality business, call an agent today.

This material is for general informational purposes only. This material may not reflect your particular circumstances. None of the companies comprising the Farmers Insurance Group of Companies®, or their employees or agents provide tax or legal advice.  Always consult your own accountant, attorney or tax adviser as to the tax, financial, or legal consequences or advice on any particular transaction.  Not all products, coverages, & discounts are available in every state.  Restrictions, exclusions, limits, and conditions apply.