Hotel & Motel Insurance in Florida

Hotel motel insurance has to match how lodging properties really run: open 24/7, hosting guests from across the country, and depending on uninterrupted operations to make payroll. Gateway Insurance Associates assembles hotel motel insurance for hotels, motels, and extended-stay properties that protects the building, the guest experience, and the bottom line.

Coverage Built for Hotels & Lodging

Commercial Property Insurance — Building, contents, FF&E, and pool/amenity coverage on a replacement-cost basis.
General Liability Insurance — Protection against guest injury claims, premises liability, and third-party property damage.
Business Interruption Insurance — Replaces revenue when storm damage, fire, or another covered loss forces a temporary closure.
Liquor Liability Insurance — For properties with on-site bars, restaurants, or banquet operations.
Workers’ Compensation — Required Florida coverage for housekeeping, front desk, maintenance, and food-service employees.
Commercial Crime / Employee Dishonesty — Protection against internal theft and guest cash/valuables claims.
Cyber Liability Insurance — Coverage for guest data breaches, reservation system exposure, and loyalty-program hacks.

Why Work With an Independent Agency?

Hotels and motels carry a stack of exposures most agents never think about — named-storm wind/hail risk, hospitality-specific liability, and 24/7 operations that can’t tolerate a denied claim. Gateway Insurance Associates is independent and works with multiple commercial property carriers to build a program that addresses every layer your property actually faces.

Frequently Asked Questions

What insurance do hotels and motels need in Florida?

Lodging properties typically carry commercial property, general liability, business interruption, workers compensation, and commercial auto for shuttle vehicles. Larger properties often add liquor liability and equipment breakdown.

What is business interruption insurance for a hotel?

Business interruption replaces lost income and helps cover ongoing expenses if a covered event such as a fire or storm forces your property to close for repairs. It keeps payroll and fixed costs moving while you rebuild.

Does commercial property cover guest injuries?

No. Guest bodily injury claims fall under general liability, while commercial property covers your building and contents. Hotels usually carry both, which we can package for you.