Hotel & Motel Insurance

Coverage for Franchised, Independent & Extended-Stay Lodging

Hotels and motels come with a unique set of risks — from high guest turnover and property wear to liquor liability, pools, and slip/fall exposure. We help independent agents place hospitality properties that standard carriers often avoid.


Our hotel & motel program offers access to markets that understand the operational and liability exposures of both branded and independent lodging properties — especially in high-traffic or rural areas.

What We Write

  • Franchised motels & budget chains


  • Independent roadside motels


  • Mid-scale hotels & boutique inns


  • Extended stay & weekly-rate properties


  • Older properties with updates or renovation plans


  • Risks with limited prior insurance or prior losses



  • Locations with pools, gyms, breakfast bars, or small retail components
A group of people are sitting at a table drinking coffee.

Coverages Available

Property Coverage

Buildings, contents, signage, business income

General Liability

Guest injury, slip & fall, public areas

Liquor Liability

For hotels with on-site bars or alcohol service

Assault & Battery

For locations with prior incidents or nightlife exposure

Equipment Breakdown

Boilers, elevators, HVAC systems

Excess Liability/Umbrella

Available when needed for added protection

When to Use

Our Program

  • Property has prior claims or a high claims frequency


  • Limited management experience or new ownership


  • Older buildings or lack of recent renovations


  • Hospitality operations in high-crime or wind-prone zones



  • Properties non-renewed by standard carriers or declined due to occupancy type
A hotel sign hangs on the side of a building

Regional Insight

In areas like Tennessee, Kentucky, Mississippi & Arkansas, many motel and hotel properties face difficulty with standard markets due to storm exposure, building age, or location-specific challenges (e.g., limited fire protection, crime scores). Our E&S markets are built to handle that kind of risk — and we know how to position your submission to get attention.

FAQs

  • Do you write extended-stay or weekly rental hotels?

    Yes, we have access to markets that write extended-stay properties, including those with in-room kitchens or limited services. Details on tenant length of stay and screening are helpful.

  • Is prior coverage required?

    Not always. We can consider start-ups or properties with coverage lapses as long as there’s a clear management plan and property controls in place.

  • What do you need to quote?

    We’ll need a full app, loss runs (if available), info on amenities (pool, bar, etc.), and current or target limits. Photos help too.

Let’s Get It Quoted

Have a hotel or motel account that’s proving tough to place?


Call (865) 909-0181 or email jacki@sgatn.com with the submission.


We’ll help you move it forward.