Hotel Insurance

Protect your business from the unexpected with Westfield’s tailored hotel insurance coverage options.

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Coverage at Westfield

What Is Hotel Insurance?

Hotel insurance is a combination of policies designed to help protect your business against various risks and exposures. Just as you strive to deliver a relaxing stay to your guests, Westfield is committed to finding the right insurance for your business. From liability insurance to workers’ compensation, we have you covered.

Whether you run a cozy bed and breakfast or luxury resort, we can tailor our hotel insurance coverages to fit your unique needs. And our policies are backed by decades of industry experience as Westfield operates a boutique inn at our company headquarters.

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How It Works

What Does Hotel Insurance Cover?

Westfield offers the essential protections that you expect, plus extended coverage specifically crafted for the hospitality industry. Our agents work with you to create a mix of policies and endorsements to cover everything from lost master keys and damaged guest belongings to emergency evacuation costs.

Popular Coverages

What Insurance Do I Need for My Hotel?

No matter if you own a single bed and breakfast or multiple motels, insurance is crucial for maintaining your business’s financial health. While the exact insurance you need depends on your specific operations, here are some of the coverages* that hotels commonly purchase:

General Liability

Help protect your hotel from the financial impacts of lawsuits and claims related to guest injuries, property damage, and advertising injuries.

Commercial Property

Safeguard your property, including guest rooms, laundry facilities, gyms, and pools, as well as on-site equipment and tools.

Business Interruption

Ensure your hotel can cover ongoing expenses and maintain cash flow if operations are disrupted by a covered event.

Commercial Auto

Keep your hotel operations running smoothly by protecting the vehicles used for transporting guests, staff, and supplies.

Equipment Breakdown

Shield your hotel from costly repairs and downtime when equipment, such as washing machines, break down.

Commercial Umbrella

Gain additional protection that extends beyond the limits of your standard business policy for larger liability risks and exposures.

Workers’ Compensation

Help cover the medical care, rehabilitation costs, and lost wages for employees who are injured while working at your hotel.

Crime Insurance

Safeguard your business against theft of money and securities by employees or others, whether on- or off-site, under certain circumstances.

Commercial Cyber

Help your business respond to and recover from cyber-attacks, including breaches of guest information and damage to electronic records.

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SureStep® BOP

Hotel Insurance for Small Businesses

Many small to midsize hotels opt for a business owners policy (BOP), which combines essential coverages into one convenient, affordable package. Westfield’s SureStep BOP includes property, business interruption, and general liability insurance, with the option to add other industry-specific endorsements and coverages.

EXPLORE OUR BOP

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Pricing Factors

How Much Does Hotel Insurance Cost?

The cost of hotel insurance depends on a variety of factors, including:

Business size
Claims history
Food service operations
Location
Number of employees
Property value

The best way to get an accurate estimate of your insurance premium is to get a quote from a Westfield agent.

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Risk Control Services

How Can Hotels Prevent Losses?

As a Westfield commercial insurance policyholder, you may gain access to risk control resources and services, such as a team of consultants with hospitality expertise. We’re here to support you in creating effective safety solutions for your hotel.

VIEW SERVICES

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Why Westfield

What Should You Consider When Purchasing Hotel Insurance?

When it comes to selecting hotel insurance programs, look for coverage that not only matches your unique needs, but is also backed by a carrier with proven reliability and specialized industry knowledge.

Customizable Coverage

Our independent agents customize your policy to match the specific needs of your operation and budget.

Financial Strength

Westfield has been “A” Rated (Excellent) by AM Best for financial strength since 1934.

Industry Experience

Decades of managing the Westfield Inn helps ensure our coverages are tailored to the risks of the hospitality industry.

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Hotel Insurance Quotes

Find an Agent Near You

Our firsthand experience enables us to create hotel insurance programs that provide the right coverage for your operations. Contact an agent for a personalized quote today.

Contact an Agent

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*Please review your actual policy language to see applicable coverages, limits, and exclusions.