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:

Property damage


A guest accidentally sets fire to the room when he falls asleep with a lit cigarette in his hand.


Business property insurance can help repair structures after a fire, and replace damaged equipment including minibars, televisions and mattresses.

Guest injuries


Even though a fire was quickly contained, some hotel guests report respiratory issues due to smoke they inhaled while evacuating.


Business liability insurance can help with related costs when a covered incident on your property injures a guest or visitor, or damages their property.

Property theft


Following an extensive renovation, someone steals new furniture worth thousands of dollars.


Business personal property insurance can help when covered items such as furniture is lost to vandalism or theft.



A guest’s personal items are stolen from her room while she’s out sightseeing.


Guests’ property coverage can help with legal liability if a guest’s property is stolen or damaged on your premises.



An employee slips and falls on the freshly mopped tile in your entry.


Workers’ compensation insurance can help with medical costs — as well as any legal liability — if an employee has a covered work-related injury.

“It’s amazing how easily the principles of hospitality translate to every single business out there,”

Susan Reilly Salgado helped build the hospitality empire behind Shake Shack.

“When you create a great place to work, you can become a place that does great work.”

Read the article: What's a 51-Percenter and Why Your Business Needs More of Them

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 your 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 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.

The value of a Farmers® agent

A Farmers agent can help you understand commercial hospitality coverage options, so you can choose coverage for your business.

Find a Farmers agent