Question 1

What is a common misconception about General Liability for Hotels & Lodging?

Accepted Answer

Hotel premises liability is broad and includes pool, parking lot, fitness room, and even off-premises shuttle.

Question 2

What happens if hotels & lodging don't have General Liability?

Accepted Answer

Guest drowns in pool with non-compliant signage — $1.4M wrongful death claim. GL pays.

Question 3

What is a common misconception about Liquor Liability for Hotels & Lodging?

Accepted Answer

Hotel GL doesn't include liquor — even small lobby bars require it.

Question 4

What happens if hotels & lodging don't have Liquor Liability?

Accepted Answer

Wedding guest over-served at hotel bar causes fatal accident — $2M settlement. Liquor liability pays.

Question 5

What is a common misconception about Workers' Compensation for Hotels & Lodging?

Accepted Answer

Housekeepers have one of the higher injury rates in hospitality due to repetitive motion and chemical exposure.

Question 6

What happens if hotels & lodging don't have Workers' Compensation?

Accepted Answer

Housekeeper develops chronic back injury — $42K medical. WC pays.

Question 7

What is a common misconception about Commercial Property for Hotels & Lodging?

Accepted Answer

Replacement cost can be 1.5x what owners think due to renovation/code requirements.

Question 8

What happens if hotels & lodging don't have Commercial Property?

Accepted Answer

Fire damages 4 floors — $1.2M. Property pays.

Question 9

What is a common misconception about Business Interruption for Hotels & Lodging?

Accepted Answer

Hotels have high fixed costs; BI is essential.

Question 10

What happens if hotels & lodging don't have Business Interruption?

Accepted Answer

Fire closes 6 months — $2M lost revenue. BI pays.

Question 11

What is a common misconception about Employment Practices Liability (EPLI) for Hotels & Lodging?

Accepted Answer

Hotels have high turnover and harassment exposure.

Question 12

What happens if hotels & lodging don't have Employment Practices Liability (EPLI)?

Accepted Answer

Front desk associate alleges harassment — $80K. EPLI pays.

Question 13

What is a common misconception about Cyber Liability for Hotels & Lodging?

Accepted Answer

Hotels are major payment-card breach targets — see Marriott, Hyatt.

Question 14

What happens if hotels & lodging don't have Cyber Liability?

Accepted Answer

POS breach exposes 8,000 guest cards — $480K response cost. Cyber pays.

Hotels & Lodging Insurance Coverage Guide | RISKX