Hotels & Motels Insurance

Keep Your Guests Happy And Your Business Safe With Hotel Insurance Made For You

Western Financial Group is an award-winning brokerage. We work with Canada’s leading insurance partners to get you the right coverage and value. Protect your property, your guests and your reputation with insurance that's flexible as your needs.

What is insurance for hotels?

A hotel or motel insurance package, also called hospitality insurance, will help give you protection and peace of mind while your guests are staying with you.

A hotel-motel insurance package can provide coverage for the different kinds of risks you face, including a slip on a patch of ice, a damaged room, stolen property, or an equipment breakdown.

Our insurance expertise will benefit your business

With our expertise in hotel insurance, you gain access to tailored coverage that addresses the unique risks your hotel faces. Whether it’s property damage, liability claims, or business interruptions, we ensure that your hotel is fully protected, minimizing the financial impact of unexpected events.

Our team understands the hospitality industry inside and out, offering you personalized solutions that fit your needs and budget. With our guidance, you can focus on what matters most — delivering exceptional guest experiences — while we handle the complexities of insurance, keeping your business secure.

What kind of risks does commercial general liability cover?

Commercial General Liability (CGL) Insurance: A guest could slip and fall on an icy sidewalk or get injured on exercise equipment, resulting in a lawsuit against you. Swimming pools and balconies can also be the scene of accidents involving guests.

Commercial general liability Insurance protects you against these types of day-to-day risks. It generally helps covers medical fees and legal expenses, regardless of the outcome of a lawsuit by a client against your hotel or motel operation. CGL also covers issues with the advertising of your business.

It’s important to note that without commercial liability insurance, you would be responsible for paying any liability costs out of your own pocket.

What other insurance coverages can I get for my hotel?

Liquor liability
Premium business interruption insurance
Commercial building and contents insurance
Cyber Insurance
Commercial auto insurance

Did you know that Western offers a variety of insurance programs tailored specifically for hotels and motels?

Our insurance experts are here to help you find the perfect coverage at the best value, saving you money while protecting your business.

What is the hospitality insurance program?

The Hospitality Insurance Program (HIP) works in partnership with Canadian hospitality associations to provide commercial insurance and employee benefits solutions that are tailored to the unique needs of hotels, motels, bars, and pubs.

Western has a partnership the Hospitality Insurance Program (HIP), which works with Canadian hospitality associations to provide commercial insurance and employee benefits solutions that are tailored to the unique needs of hotels and motels.

How much does hotel insurance cost?

There isn’t a one-size-fits-all price for hotel insurance. It’s recommended that small hotels and motels have at least $2 million in commercial general liability (CGL) coverage.

Factors that will determine the cost of your hotel insurance are:

Years of experience
Location(s) of your hotel
Equipment on premises
Annual revenues
Number of employees
Any past insurance claims

What business does hospitality insurance cover?

The hospitality industry is a broad category of fields within the service industry that includes lodging, food and beverage services, event planning, theme parks, travel agency, tourism, hotels, restaurants, nightclubs, and bars.

What is the role of umbrella insurance for hotels and how does it provide additional protection?

Umbrella insurance for hotels is an additional layer of liability coverage that extends beyond the limits of the hotel's primary insurance policies, such as general liability or property insurance. It helps protect the hotel from large claims or lawsuits, covering incidents like guest injuries, property damage, or advertising mistakes.

This extra coverage kicks in when the limits of other policies are exhausted, providing financial security against costly legal battles or settlements that could otherwise threaten the business's assets.

Why choose Western?

When you get your insurance coverage through us, we will send you the certificate of insurance right away, so you can focus on what you do best. It’s easy, fast, and customized. Get an online quote, text, email, or phone call. Choose what works for you.

Get a Quote TODAY!