Today’s Hotel Insurance Requires Experience

By nature, hotels present a complicated insurance picture. A successful hotel business has lots of moving parts, and each part presents its own property and casualty insurance exposure. This includes the physical structures(s) plus contents, lost business income, employees or contractors, potential amenities such as swimming pools, exercise equipment, food, liquor, auto, and so much more.

We Identify, Customize, and Deliver Hotel & Motel Insurance

At Wister, we understand hotel insurance and we want to earn your business. From the small boutique hotel to the large franchise, having an experienced hospitality insurance broker makes all the difference when crafting an appropriate risk mitigation plan. Let us learn about your business and craft a custom hotel insurance solution today.

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Hotel & Motel

Having Hotel Insurance Coverage Options Is Important

Every hotel operation is different, therefore having a plethora of insurance options is a must. Your core competency is running your hotel business, ours is insuring it comprehensively. Let us help educate you on what you may and may not want in your hotel insurance policy(s).

When Your Hotel Doors Are Open You Need Comprehensive Liability Insurance

Unfortunately, the U.S. is a very litigious society and hotel patrons can and will sue you for just about anything. This could be the simple ‘slip and fall’ claim, or a nasty bed bug litigation fight. Regardless, liability is the single biggest exposure you have as a hotel business and it has never been more important to have comprehensive liability insurance. 

With over 100 years of liability insurance experience, you can bet the Wister executive team has dealt with it. With this experience comes the know-how to ask the right questions, the skill to research your hotel business, and ultimately make certain all liability exposure is discussed and potentially insured. Let Wister be your biggest risk mitigation strength.

Wister The Wister Difference

Coverage Highlights & Options:

  • Building
  • Contents
  • Income
  • Amenities & Activities
  • Commercial General Liability
  • Liquor Liability
  • Personal Liability
  • Umbrella Liability
  • Professional Liability
  • Employee Benefits Liability
  • Workers Compensation
  • Commercial Auto
  • Cyber Liability
  • Equipment Breakdown
  • Crisis Management
  • Inland Marine
  • Crime & Fidelity
  • Directors & Officers
  • Foodborne Illness
  • Bells & Whistles
  • + More

Not All Hotel Property Insurance Is Created Equal

The biggest asset to your hotel business is the structure or building(s) itself. The real property. Or presented another way, without your building(s) you would have no hotel business. Then why would a hotel business cut corners on their property insurance?

The problem is education and marketing. Insurance is marketed heavily on price, as every carrier promises to save you money. Yes, we all like to save money, but when it comes time to file a claim, coverage is what makes the difference.

At Wister, we will educate you on property insurance coverage options for your hotel business, such as named perils versus special form or all-risk. We explain the difference between replacement cost valuation and actual cash value, which ultimately determines claim amounts. Once educated, we help guide you to the right insurance plan and coverage options as every hotel business owner has different risk tolerance levels.

Business Income Insurance Is a Must for All Hotels

A common thread among all hotel business owners is the objective of earning an income. Hotel business owners work too hard to not have that income fully protected in the event of an insurance peril.

There are variables often overlooked when it comes to business income and extra expense insurance coverage. Items such as how the lost income is calculated, how long the income is paid after a peril, and what perils will trigger the lost income claim.

Wister agents are trained to cover these items, ask questions and ultimately help you make the right insurance decisions at the right premium.

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