Hotel & Motel Insurance in Florida
Lodging properties operate 24/7, host guests from across the country, and depend on uninterrupted operations to make payroll. Gateway Insurance Associates assembles commercial 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.