After the rooms reopen
Reopening does not mean revenue has recovered. Test restoration and extended-income terms against a realistic recovery timeline.
Travelers: business-income guidance ↗Hospitality
Hotel insurance, beyond the building.
Your property, your guests and the cost of a closure. We review insurance against the way your hotel actually operates.
Discuss a hotel review →
Business income
Open again isn't
always back to normal.
RepairsReopeningRevenue recovery
Review the restoration period and any extended income coverage separately. Getting the doors open and getting bookings back are different milestones.
Read our hotel insurance perspective ↗The insurance program
Coverage for the whole hotel.
Explore the parts of a program we can review with you.
Talk through your coverage ↗Property & equipment
Buildings, furnishings and equipment, with values, roof terms and catastrophe deductibles reviewed.
Business income & extra expense
The financial impact of covered damage, including partial closure and policy-specific recovery periods.
Guest & premises liability
The operation's liability exposures, with assault, abuse and trafficking restrictions examined.
Liquor & event exposures
Food and beverage operations, functions, hours and service controls that affect market appetite.
Workers' compensation & EPLI
Employee injury and employment-practices exposures, matched to the staffing structure.
Cyber, crime & excess
Guest information, payments and fraud, alongside liability limits and policy interactions.
What to bring to a review
Begin with location, room count, amenities and timing. Current policies, monthly financials, loss history and applicable franchise/lender insurance requirements can follow. Tell us about acquisitions, renovations and changes in management.
Common questions
Questions from hotel operators.
Is meeting the brand's minimum limit enough?
Limits are one part of the requirements. Endorsements, deductibles, insurer criteria and evidence of renewal may also matter. Compare the current standards with the actual proposed policies.
Does alcohol revenue automatically mean E&S?
No universal percentage determines eligibility. Revenue mix, hours, events, controls, location and insurer appetite influence the available options and terms.
Are renovations or property improvement plans insured?
Ordinary planned renovation costs are not an insured loss. Tell the broker about the work so changes in occupancy, construction exposure and insurance requirements can be reviewed before it starts.
Does general liability cover every guest-related claim?
No. Review exclusions and sublimits for assault, abuse, trafficking and other sensitive exposures. Pools, bars, events and third-party operators should be described accurately during underwriting.
Does business income insurance replace gross room revenue?
Not automatically. Covered income, continuing expenses, waiting periods and recovery limits depend on the form. Use financial records and realistic closure assumptions to assess the amount and period required.
Can you coordinate a Canadian hotel owner's U.S. expansion?
We work with real estate and hospitality specialists at our sister brokerage in Canada. They handle Canadian insurance matters, while appropriately licensed A Squared personnel handle U.S. advice and placement.
From our journal
Related articles.
More review notes & industry references
A water loss can affect several floors
A plumbing failure can close several floors. Review water restrictions and deductibles alongside inspections, shutoff controls and emergency responsibilities.
Chubb: hospitality water-loss prevention ↗Read the brand requirements with the policy
Limits are only the start. Compare endorsements, deductibles and insurer criteria with current franchise and management requirements.
Marriott: 2026 Westin franchise disclosure ↗Let's talk about your insurance.
Tell us about your business and what you need.