Hotel Insurance
Workers Compensation & Liability
We have created insurance plans that are reasonably priced for hotels and motels.
Workers Comp Coverage for Hotels
For more than 15 years, we have assisted operators of hotels and motels in locating reasonable insurance. Our Experts are aware of the particular underwriting specifications set forth by insurance companies. We’ve created programs to assist you in obtaining the finest deals and most flexible payment options because of this.
We collaborate with top insurance companies who provide hotel coverage.
Pay As You Go
Boost cash flow and lower the chance of large audit costs.
Comparison Pricing
Obtain estimates from several insurance providers to guarantee the best deals.
Claims Management
To expedite the settlement of claims, our carriers employ skilled claim managers.
Our Top Hotel Insurance Companies
Markel FirstComp
Accident Fund
Cimarron Insurance
Benchmark Insurance
Normandy Insurance
ICW Group
UBIC Insurance
PIE Insurance
Synergy Coverage Solutions
Workers Compensation Codes Related to Hotels
Classification codes are used to organize employees according to their work functions and job requirements. Currently, insurance companies and brokers can use roughly 800 class codes provided by the National Council on Compensation Insurance (NCCI) to classify personnel for rating reasons. To start pricing a policy, insurance firms establish a base manual rate for each class code.
Sorting employees correctly is a crucial step in obtaining quotes. Small firms may lose thousands of dollars due to incorrectly classified workers. After an annual audit, you might find that you are overpaying for coverage or that your debt has increased.
Class Code 9052 | Hotel Employees
companies that operate boarding houses, motels, apartment buildings, motor courts, and hotels as their primary business. All employees are often included in the class code, with the exception of those who fall under the 9058-Hotel Restaurant and Food Service or 8810-Clerical class codes.
Front desk personnel, managers, bellhops, reservation staff, cleaning, maintenance staff, salespeople, drivers, store employees, laundry staff, and garage employees are a few examples of workers who would be included in this category.
Class code 9060-Country Clubs and Golf Courses should be used for hotels and resorts that operate as country clubs and employ staff that work only at the country club.
Class Code 9058 | Hotel- Restaurant Employees
When a hotel, motel, etc. owns and operates a restaurant on the property and employs the food staff, they ought to be categorized under the 9058 code. Cooks, waiters, bartenders, hostesses, dishwashers, and restaurant management are all included in this class.
Employees should be categorized under the correct restaurant class code if a hotel or motel subleasees or rents space to an independent restaurant operator or business entity.
Class Code 9044 | Hotel- Casino Gambling
Operators of hotels or motels who permit gaming on their property should be rated individually under code 9044. Like class number 9052, this class comprises all employees of gaming hotels.
Alternative State Class Codes for Hotel:
States occasionally stray from the NCCI-recommended industrial class code. For some business segments, they might demand the use of a state-specific class code in place of the NCCI code.
| Class Code | State |
|---|---|
| 9050 | Hotel/Motel | California |
| 973 | Hotel Employees | Delaware / Pennsylvania |
| 945 | Hotel Restaurant | Delaware / Pennsylvania |
| 9079 | Hotel- Restaurant Employees | California / New Jersey |
Related: hotel, motel, inn, motor court, cabin rental, rooming house, boarding house, fraternity house, sorority house, workers dormitories.
Workers Compensation is a national Agency, licensed throughout the United States.
Get the Best Hotel Insurance Coverage
Because their agent does not have access to the most affordable insurance firms, many smaller hotels and motels are overpaying for insurance coverage. Installment agreements based on predicted payroll that don’t change when payroll varies are used by other business owners. For every distinct state and kind of organization, we assist our clients in locating the most affordable insurance rates. Your company’s cash flow will be enhanced by our Pay As You Go payment options. We assist new entrepreneurs and businesses with higher EMR ratings. Since 2005, we have been writing insurance for hotels.
Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp – $0 Deposit
Guaranteed Cost and Deductible Options
National Hotel Insurance Expertise
More Markets for More Solutions We shop renewals too
Commercial Package Insurance Options
What Does Workers Comp Cover?
Workers comp coverage protects employees when injured. It makes good financial sense for both parties.
Accidents and injuries occur. These mishaps and claims are covered by a no-fault scheme called workers compensation insurance. In most states, it’s mandated by law.
- Lost income for workers who can't perform job duties
- Medical expenses for injury or illness on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
Workers compensation insurance may not always shield employers or employees from lawsuits brought on by workplace accidents.
- Injuries resulting from a violation of the law
- Accidents resulting from using drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
Assisted Living InsuranceLower Your Hotel Insurance Costs Programs
For small enterprises, the cost of business insurance has been rising. The primary drivers of the cost increase in coverage have been workers compensation and general liability insurance. In order to offer our clients business insurance options that are more reasonably priced, we have teamed with our insurance providers. Find out more about our alternatives for hotel operators’ package insurance:
- Workers Compensation and Employers Liability
- Insurance for General Liability
- Both Personal and Commercial Property
- Liability for umbrellas and more
Not every class code or every line of insurance coverage will be offered in every state. For information on our general liability and workers compensation insurance programs, get in touch with one of our workers compensation specialists.
How Much Does Hotel Insurance Cost?
Under the hotel class code, our clients typically pay about $2.29 for workers compensation for every $100 of payroll. A general liability insurance coverage typically costs $7,800.00.
Workers Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The kind of work a hotel or motel does can affect pricing.
- There may be premium reductions and policy credits.
General Liability Costs
- GL rates are based on sales (rated per $1000)
- Gross revenue may affect pricing
- For underwriters, the type of facility matters.
- Pricing is impacted by years in company and prior claims.
- SIC code 7011
How To Get Workers Comp
How Do I Get Started?
Here's what we need from you
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
We go find for your best price
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Real Agents, Fast Insurance Quotes
Compared to other insurance companies or organizations offering online workers compensation estimates, Workers Compensation is unique. We are authorities on ownership regulations, class codes, audits, and state legislation. The best workers’ compensation insurance quotes from reputable carriers are obtained through our quote procedure. Check it out for yourself. Give our professionals a call at or begin your online workers’ compensation quote request right now. You’ll be happy that you did.
Workers Compensation Info
- What is Workers Compensation?
- Workers Compensation Class Codes
- Experience Modification Rates
- How Much Does Workers Comp Cost?
- Workers Compensation by State
Workers Comp Programs
- Best Selling Workers Comp Programs
- Pay As You Go Insurance
- Self Monthly Workers Comp Reporting
- The Hartford Workers Compensation
- Multi-State Workers Comp Coverage
Employer Resources
- Workers Compensation Rates
- Rules for Workers Comp
- Frequently Asked Questions
- Find a Workers Comp Form
- Get Workers Compensation Quotes
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- Certificate of Insurance
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