Florida Hotel & Motel Insurance

Florida hotels and motels require the best insurance for their guests. Protect your property and liability with insurance packages from the leading Florida hotel and motel insurance carriers.


Click Here For Your Florida Hotel & Motel Insurance Quotes!

Or call us toll free for a fast phone quote 1-888-929-2467.


Florida Hotel Motel Insurance

How do I shop for Florida hotel and motel insurance?


What coverages are available on a Florida hotel and motel insurance policy?


What coverages might be excluded on a Florida hotel and motel insurance policy?


How can I save money on my Florida hotel and motel building insurance?


How do I shop for Florida hotel and motel insurance?

  • Shop Early. Try to start about 90 days in advance to get your quotes for Florida hotel and motel insurance policies. This will allow time to provide proper documents and complete application and underwriting processing.
  • Contact an agency that is experienced in Florida hotel and motel insurance. A Florida independent insurance agent that is knowledgeable in hotel and motel insurance, as well as the Florida commercial insurance market, can provide multiple options with top tier companies.
  • Request loss runs from your current hotel or motel insurance company. Most Florida commercial insurers will require loss runs from the prior insurance company. This is a written statement from the prior insurer that identifies any claims you may have had or it confirms that you have not had any prior claims.
  • Scan your insurance documents. This will make it easier to transfer them to company underwriters through email. You should have a copy of the current declarations page.
  • Any photos of your hotel or motel will be helpful .

Back to top

What coverages are available on a Florida hotel and motel insurance policy?

  • Hotel & Motel Building Coverage. This covers the building or buildings on the premises. Special Form coverage is the broadest form of coverage. Some Florida hotel and motel insurance carriers only offer basic form coverage, which is limited. While you can purchase a “difference in conditions” policy to supplement some of the lacking coverage in a basic policy, the special form is your best bet to fully protect your buildings.
  • If your Florida hotel or motel has a restaurant or other amenities, we can provide insurance coverage for those additional exposures.
  • Other Structures. This can cover signs, pools, fences, carports, etc.
  • Boiler and Machinery. Covers your mechanical equipment.
  • General Liability. Protects the hotel or motel from liability claims if someone is injured on the property.
  • Medical payments. Provides medical payments for minor injuries that might occur to guest on the premises.

Back to top

What coverages might be excluded on a Florida hotel and motel insurance policy?

  • Flood. No Florida hotel or motel insurance policy covers flood. Flood is rising water from the outside.
  • Typically property coverage only applies to buildings. Make sure signs, fences, carports, and pools are insured.

Back to top

How can I save money on my Florida hotel and motel insurance?

  • The best way to save money on your Florida hotel or motel insurance is to shop around. Our experts have access to the top Florida hotel and motel insurance companies. Get a quote now!
  • Age of building discount or surcharge. Most Florida hotel and motel insurance companies offer discounts for newer construction buildings and could surcharge for older construction buildings.
  • Territory. Where your hotel or motel is located can impact the insurance premium substantially. Locations along the Florida coast can expect to pay higher insurance premiums.
  • Deductibles. Choosing a higher deductible will lower your insurance premium. Review different deductible options to see if the premium saving is worth facing the higher out of pocket expense in the event of a claim.
  • Location. Hotels and motels over 1,000 feet from a fire hydrant, and/or more than 5 miles from a fire department, will pay higher premiums.
  • Types of construction. A Florida hotel or motel construction type will affect the insurance premium. Frame construction is usually more expensive than masonry or non-combustible buildings.

Back to top

Serving all of Florida, including Tampa, St Petersburg, Orlando, Jacksonville, Miami, Tallahasse, Fort Lauderdale, Fort Myers, Cape Coral, Pembroke Pines, Dade City, Wesley Chapel, Zephyrhills

Disclaimer: This is only an example of how coverage could apply and does not represent any guarantee of coverage. This site contains general information relating to Florida hotel and motel insurance and is not intended to be a substitute for the law.

 

Florida Hotel & Motel Insurance Quotes

Fast Quotes

Want quotes for Florida hotel or motel insurance from top carriers? It’s easy with our Single Entry Form.

Get A Quote Now