North Star Insurance agents

A Short Guide To Hotel Liability Insurance

Running a hotel can be a great way to make a living.  However, there is a certain amount of financial risk to consider.  There are many ways you could end up facing financial damages as a hotel owner, but liability issues are the biggest threat to your bank account.  

When someone decides to stay at your hotel, not only do you have to provide them with a room; you also become responsible for their safety and the safety of their possessions, to an extent.  For example, if someone slips on a puddle in your hotel that should have been cleaned up, you would be on the hook for their medical bills and any other charges that may result due to their injuries.  Luckily, hotel liabliity insurance can help.

What Is Hotel Liability Insurance?

Hotel liability insurance is a type of insurance coverage that can cover common liability issues you may face.  It can cover things like medical bills, court costs, and more.

What Types Of Liability Coverage Can You Get With Hotel Liability Insurance?

There are two main types of liability insurance that you can obtain with hotel liability insurance.  The first and most important is general liability insurance which is essentially across-the-board liability coverage up to a limit.  The other type of liability insurance, called umbrella liability, can extend this limit so you have coverage that can help with even the steepest liability costs. 

Running a hotel can be risky at times.  Hotel liability insurance can help.