Hotel and motel insurance for Texas owners.
Coverage matched to your brand standards, your lender and your room revenue. We explain the security exclusions before you buy, not after a claim.
Prefer to talk? Call (713) 367-1706
In Short
What insurance does a Texas hotel or motel need?
Texas hotels and motels typically need building and contents coverage at replacement cost, business income for lost room revenue, general liability with clearly understood security exclusions, an umbrella sized to brand standards, equipment breakdown, employment practices liability, and liquor liability if alcohol is served.
Read the complete hotel or motel insurance guide
General information, not a promise of coverage.
Risks & Coverage
What can go wrong at a Texas hotel or motel, and the coverage to consider.
- 01
Guest Injuries & Security Claims
Negligent-security claims are a major hotel liability exposure, and many carriers have narrowed what they cover. Exclusion wording varies widely, so read it before you buy.
Coverage to ConsiderGeneral liability — with the security exclusions explained before you buy
- 02
Water Damage & Mold
One failed supply line on an upper floor can take a block of rooms offline. Water-damage deductibles and mold limits differ widely between carriers.
Coverage to ConsiderWater-damage terms and mold limits compared across carriers
- 03
Lost Revenue While Rooms Are Closed
Business income coverage replaces room revenue during a covered repair. The limit should reflect your real average daily rate and occupancy.
Coverage to ConsiderBusiness income and extra expense based on your real ADR and occupancy
- 04
Franchise & Lender Requirements
Brands and lenders set minimum limits, deductibles and endorsements. Missing one can put your franchise agreement or loan in default.
Coverage to ConsiderLimits and wording matched to your franchise and loan documents
- 05
Pools, Fitness Rooms & Shuttles
Every amenity adds liability. Hotel shuttles and valet parking need their own auto and garage-keepers coverage.
Coverage to ConsiderHired and non-owned auto, shuttle and garage-keepers coverage
Typical Coverage
What a Texas hotel or motel usually carries.
- 01
Building & Contents — Replacement Cost
Rooms, lobby, furniture, linens and equipment at today's rebuild cost.
- 02
Business Income & Extra Expense
Lost room revenue and the extra cost of staying open during repairs.
- 03
General Liability
Guest and visitor injuries, with security-related exclusions explained before you buy.
- 04
Umbrella / Excess Liability
Higher limits to meet brand standards and protect the asset.
- 05
Equipment Breakdown
Boilers, chillers, elevators, laundry and kitchen equipment.
- 06
Employment Practices Liability
Claims from employees alleging discrimination, harassment or wrongful termination.
- 07
Liquor Liability
For hotels with a bar, restaurant or event service.
- 08
Hired & Non-Owned Auto / Shuttle
Shuttle vans and employees running errands in their own cars.
Not Needed to Start
What to have ready.
Carriers price what they can see, so a complete submission helps them quote with confidence. Missing something? Send what you have.
- Number of rooms, stories, year built and construction
- Brand or flag, and the franchise insurance requirements
- Occupancy rate and average daily rate
- Amenities: pool, fitness room, bar, restaurant, meeting space
- Fire sprinklers, alarms and security measures
- Five years of loss runs
- Lender's insurance requirements
Questions
Hotels & Motels: common questions.
Does my brand set my insurance requirements?
Yes — franchise agreements typically specify minimum liability limits, umbrella limits and named-insured wording. We match quotes to those requirements before you bind.
Why did my hotel's liability premium jump?
Security-related claims weigh on hotel liability pricing. We show how each market handles security exclusions, so a lower price doesn't hide a narrower policy.
Are guests' belongings my responsibility?
It depends on the circumstances and on the notices and safes you provide. Innkeepers' liability coverage can respond to guest property claims, and we'll explain what your policy actually includes.
Ready When You Are
Your quote starts here.
About two minutes. A person reads every request.
Guides for Hotels & Motels