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Hotel Insurance Solutions

Hotel Insurance Solutions Built
for the Hospitality Industry

Who We Serve in the Lodging Industry

Sahouri provides risk management and insurance solutions tailored to a wide spectrum of hospitality properties—not just hotels. Our lodging clients include:

  • Hotels (independent, boutique, and branded chains)
  • Resorts and destination properties
  • Motels and roadside lodges
  • Inns and extended-stay accommodations
  • Other lodging providers with guest-facing operations

Whether you're managing a single location or multiple properties, we help ensure your coverage fits your operation, your occupancy model, and your guest experience standards.

Who We Serve in the Lodging Industry
Don’t Let Risk Disrupt the Guest Experience

Don’t Let Risk Disrupt the Guest Experience

From guest slip-and-falls to cyber risks and staff injuries, hotels manage a unique set of operational and reputational exposures. With decades of experience and top-tier carrier access, Sahouri helps ensure your coverage evolves with your property—so you can keep focusing on delivering exceptional guest experiences.

Top Insurance Claims Hotels Should Prepare For

Hotel operations don’t sleep—and neither do the risks that come with them. These are among the most common claims lodging businesses should be prepared for, based on industry trends and Sahouri client data.

Guest slip-and-falls
Guest slip-and-falls
EWater damage and equipment failure
Water damage and equipment failure
Theft or vandalism
Theft or vandalism
Cyberattacks targeting guest data
Cyberattacks targeting guest data
Staff injury or workplace incidents
Staff injury or workplace incidents

Preventing Claims Before They
Interrupt Operations

Here are actionable insights hotel operators can apply—drawn from hospitality risk best practices and industry scenarios—to reduce claims and safeguard the guest experience:

01.
Property Safety Audits

Regular walkthroughs of guest rooms, lobbies, amenities, and back-of-house areas to identify hazards before they impact guests or staff.

02.
Staff Training Programs

Onboarding and refresher training in guest safety, fire evacuation, lifting techniques, and responsible alcohol service.

03.
Contractual Risk Transfer

Review of vendor agreements and event policies to ensure proper liability distribution and risk prevention.

04.
Incident Reporting Systems

Clear, documented reporting for guest incidents, employee injuries, or security events to support timely claims and pattern analysis.

Our Products

What We Cover for Hotels

Core Coverages

General Liability Insurance

Covers third-party bodily injury and property damage claims, including guest slips or poolside incidents.

Commercial Property Insurance

Protects physical structures, FF&E, and onsite amenities from fire, storm, and vandalism.

Business Interruption Insurance

Replaces lost income during covered events like water damage, kitchen fires, or evacuations

Workers’ Compensation Insurance

Covers staff medical costs and lost wages after work-related injuries.

Equipment & Operational Coverage

Equipment Breakdown Insurance

Covers HVAC, elevators, laundry, and kitchen equipment against mechanical or electrical failure.

Food Spoilage & Utility Interruption Coverage

Protects food service operations and refrigerated inventory from outage-related loss.

Specialized Coverages

Liquor Liability Insurance

Covers alcohol-related incidents at bars, lounges, or events.

Cyber Liability Insurance

Helps cover breach response, data recovery, and guest notification costs after cyberattacks.

Employment Practices Liability Insurance (EPLI)

Protects against workplace-related claims such as harassment or wrongful termination.

Contingent Business Interruption

Covers income loss from key vendor disruptions (e.g., laundry services, kitchen supply).

Commercial Auto / Hired & Non-Owned Auto

Covers shuttles or liability from staff using personal vehicles for business.

Umbrella / Excess Liability

Adds high-limit protection above standard policy thresholds.

Our Services

What We Deliver Beyond Coverage

Health & Benefits Services

Health & Benefits Services

Custom Plan Design
HR Consulting & Benefits Administration
Payroll, Talent Acquisition, and Performance Strategy
Virtual Care or Telehealth Services
Cost Analysis and Containment
Claims Analysis and Management
Insights from Industry Benchmarks
Employee Communication, Training & Education
Retirement Planning Management
Executive & VIP Services
Additional Professional Services
Property & Casualty Services

Property & Casualty Services

Coverage Selection & Renewal
Compliance Support & Regulatory Guidance
Loss Control Services & Technology
Business Continuity/Disaster
Recovery Planning
Claims Analytics & Management
Fleet Safety Management
Executive & VIP Services
Additional Professional Services

Trusted Carriers. Stronger Protection.

We work with top-rated carriers that understand the unique insurance needs of hotel and lodging businesses.

What our Guests
are Saying

Since 1970, we have treated our clients with the highest levels of attention and care. Our client-centric consulting approach and organizational processes are carefully designed to help us understand and address their unique needs so we can advocate on their behalf.

Speak with an Advisor Who Knows Hotels

Schedule a consultation with a Sahouri advisor who understands the operational risks and coverage needs of the lodging industry.

Schedule a Consultation