Running a hospitality industry business isn’t for the faint of heart. It’s a demanding job that requires you to stay on top of everything from guest safety to staff management, property maintenance, and operations. You also face the constant pressure of protecting your business from unexpected risks that can strike at any time. From a guest injury to property damage, these situations can set you back if you’re not adequately covered. BME Commercial Insurance specializes in providing the protection you need to keep your business moving forward.
With the right coverage in place, you can focus on delivering great experiences for your guests, knowing you’ve got the backup you need to handle the risks.
Hotels and motels deal with many moving parts, from keeping guests happy to maintaining the property and ensuring safety. And with those parts comes a range of risks. Without solid insurance, those risks can turn into major financial headaches, legal problems, or even a shutdown. Insurance isn’t just a backup plan—it’s necessary to keep your business running smoothly, protect your team, and give your guests peace of mind.
Running a hotel means you always face risks, whether a guest slips on a wet floor or your property gets damaged. General liability insurance has your back if someone sues you for bodily injury or damages on your property. If a guest gets hurt or a piece of their property is damaged while staying with you, this insurance keeps you from taking a financial hit that could cripple your business.
Your team makes the hotel run, and their safety is key. Accidents can happen whether they're moving furniture or working in the kitchen. Workers’ compensation insurance ensures that if one of your employees gets hurt on the job, their medical bills and lost wages are covered. It’s not just good for them—it also keeps you compliant with state laws and helps avoid costly fines or lawsuits.
You need commercial auto insurance if you’re using vehicles to shuttle guests, move supplies, or transport maintenance gear. Whether it’s a delivery van or a company car, this insurance protects your vehicles in case of an accident, theft, or damage. It keeps your hotel’s operations running smoothly without the headaches of unexpected repair bills or vehicle replacement costs.
Hotels are full of expensive equipment—from refrigerators and dishwashers to HVAC systems and maintenance tools. If something breaks down or gets stolen, it can seriously damage your business. Equipment and tools coverage ensures that you’re not left scrambling for cash to replace or repair your gear, keeping things running smoothly and avoiding costly downtime.
Hotels constantly work with contractors for renovations, repairs, or routine maintenance. Contractor liability insurance covers the costs if something goes wrong, such as a contractor damaging your property or not meeting safety codes. This insurance helps you avoid the legal and financial fallout of mistakes or negligence, keeping your business protected.
Running a hotel or motel means dealing with the unexpected daily, and you don’t want to be caught off guard. The right hospitality insurance coverage helps protect your property, team, and hard-earned reputation from whatever comes your way. Don’t let accidents or surprises jeopardize your hotel industry business. Get in touch today, and let our hotel insurance coverage help you keep everything running smoothly, no matter what life throws at you.