Hotel & Motel Insurance Coverage Checklist
The coverages a hotel & motel business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for hotels, motels, and extended-stay properties. Priorities reflect typical exposure; confirm against rate structure and security.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers guest injuries — confirm no exclusions for human trafficking, assault, or sexual misconduct. | Core | |
| Abuse & Molestation / Human Trafficking Coverage | Covers TVPRA and misconduct claims, increasingly excluded or sublimited. | Core | |
| Umbrella / Excess Liability | Adds limits for trafficking verdicts and serious injuries. | Core | |
| Commercial Property & Business Income | Covers the building and lost room revenue after a loss. | Core | |
| Innkeepers Liability | Covers guest property in the hotel's care. | Prevalent | |
| Liquor Liability | Needed if the property sells alcohol. | Situational | |
| Employment Practices Liability | Covers claims from a large hourly workforce. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for human trafficking claims. Hospitality businesses faced nearly 200 federal trafficking suits in 2025, and the first jury verdict against a hotel reached $40 million. Many policies now exclude or sublimit these claims, and franchise agreements don't shield owners. Properties should confirm how their GL and umbrella treat trafficking and abuse claims, train every staff member to spot red flags, and require ID at registration.
Send us the checklist and we'll review your hotel & motel coverage line by line, then market it across multiple carriers that compete for your account.
Related: Hotel & Motel Insurance · Hotel & Motel Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a hotel & motel business need?
The core coverages for a hotel & motel business are Commercial General Liability, Abuse & Molestation / Human Trafficking Coverage, Umbrella / Excess Liability, Commercial Property & Business Income. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my hotel & motel coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.