Hotels, Motels & Inns · Florida
Florida Hotel, Motel & Hospitality Liability Insurance
A guest slipping by the pool or a storm emptying your bookings can halt operations. Florida hotel insurance covers your building and income. We compare multiple A-rated carriers.
What exactly does hotel and motel insurance cover in Florida?
Hotel insurance is a specialized commercial package that covers the physical building against hurricanes and fire, protects against high-risk premises liability (like slip-and-falls near the pool), and includes innkeepers liability to cover the theft or damage of your guests' personal property.
Hotel Insurance Programs for Every Kind of Lodging
No two lodging businesses carry the same risks. These four types cover most of the Florida properties we quote.
Independent and franchise hotels
Lobbies, elevators, meeting rooms and a breakfast area. Franchise agreements often ask for higher limits than one liability policy carries, and a commercial umbrella fills that gap.
Roadside motels
Doors that open onto the parking lot, guests who stay a night or two and a desk open late. Carriers look hard at lighting, locks and cameras.
Inns and bed and breakfasts
An older house or a few cottages, often with the owner living on site. Historic buildings need replacement values set with care.
Extended-stay properties
Kitchenettes, weekly guests and some monthly ones. Stays of 30 days or more change how Florida law classifies the unit, and carriers rate it differently.
Hotel Liability Claims and the Coverage That Answers
Four calls a hotel owner dreads, and the policy that picks up each one.
The situation
A guest slips on the wet pool deck and breaks a wrist.
What responds
General liability pays the injury claim and your defense. Posted pool rules and a dry deck help the carrier defend it.
The situation
A guest reports a laptop and cash missing from the room.
What responds
Guest property coverage pays up to the caps in Florida's lodging law, as long as your safe and your receipts follow the statute.
The situation
A hurricane tears off part of the roof and closes two floors for a month.
What responds
Commercial property pays for the repairs, and business income replaces the lost room revenue, when wind is not excluded.
The situation
A housekeeper strains her back while turning a mattress.
What responds
Workers comp pays her medical care and part of her wages while she recovers.
Florida Lodging Laws Behind Hotel Insurance
Florida's lodging law licenses your property, sorts your guests by length of stay and limits what you owe for their valuables.
| Florida law | What it means for your hotel |
|---|---|
| Hotels, motels and inns are public lodging establishments and must hold a DBPR license that renews each year (§ 509.241(1), Florida Statutes) | Carriers ask for the license and your room count, and they rate by both. |
| A unit rented to guests more than three times a year for stays under 30 days, or advertised that way, is transient; one rented for 30 days or more at a time is nontransient (§ 509.013(4)(a), Florida Statutes) | Nightly guests and monthly residents bring different risks, so tell the carrier how your rooms are rented. |
| For valuables held in the safe, the operator's liability tops out at $1,000 when the receipt states that limit in clearly noticeable type; for other guest property the cap is $500, or $1,000 when the guest lists the items in advance and lets them be checked (§ 509.111, Florida Statutes) | The caps hold only when you follow the statute strictly. Guest property coverage is written around them, so use the receipt wording the law calls for. |
| A hotel or motel with four or more employees must carry workers comp (§ 440.02(20)(b)2., Florida Statutes) | Front desk, housekeeping, maintenance and night audit staff all count. |
Read these with your franchise and lender terms. They are a summary of the statutes, not legal advice or a quote.
Is there a hospitality insurance agency in Kendall for motels and inns?
Yes. Hospitality insurance is part of what American US Insurance writes from Kendall, for hotels, motels and inns across South Florida. Our agents look at your room count, your pool, your roof and how guests book. Those facts set each hotel property insurance quote, and we compare how every offer handles wind, guest property and lost bookings. Owners from Coral Gables to Florida City and the Keys get every offer explained in one meeting.
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Tell us about your rooms, amenities, and building. A licensed Florida agent will compare A-rated carriers to clearly explain wind and guest property terms.
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- Renewal and claims help after you buy
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