Hotel insurance

Let us focus on your insurance so you can focus on your hospitality.

Insurance for hotels and motels

Coverages built with hotels and motels in mind.

Acuity’s Businessowners Policy – Bis-Pak®

Bis-Pak® is the easiest way to insure smaller businesses. The broad coverage insures buildings, contents, and liability with business income included automatically—all in one simple policy.

Property Coverage Details

From building and contents coverage to loss of income and full replacement coverage, Acuity property insurance provides broad coverage for your property’s needs.

Commercial auto insurance

Does your business rely on vehicles to get work done? When an employee is involved in an auto accident our commercial auto insurance protects your business. Acuity would love to keep you working and on the road.

Workers' Compensation

No business owner wants to see his or her employees get injured on the job. Rest assured that with Acuity’s workers’ compensation insurance, when an injury does occur, we will take care of your employee by getting them the help they need so they can get back to work.

Specialized Coverages 

Business interruption

Your business is your livelihood. In the unfortunate event that a loss leads to temporary closure of your hotel or motel, we will help cover your loss of income while we help you get back on your feet. 


Equipment breakdown

You rely on your equipment to keep your hotel or motel running smoothly. Let us make sure you’re covered if it breaks down. This coverage will not only pay for loss to your equipment, but also loss of income and potential spoilage of perishable items. 


Liability for guests' property

Your guests trust you to keep their belongings safe while staying in your hotel or motel. With this coverage in place, we can pay if a loss causes damage to your guests’ property while on your premises. 

Full building coverage

With replacement cost or actual cash value, a building limit will appear on your policy and your insurance company will not pay more than that limit to rebuild. With full building coverage, there is no building limit—we will pay to have your building rebuilt exactly as it was before the loss, no matter the price. 


Employee dishonesty

As an employer, you try your best to hire good people. However, there is always the chance a bad apple sneaks in. This coverage protects you against loss from dishonest acts committed by an employee. 


Food spoilage

If your business uses perishable stock that relies on temperature or humidity control, you know how devastating a mechanical breakdown or power outage can be. We can cover your perishable stock in the event there is a mechanical breakdown or power outage. 




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The Acuity Difference

Why thousands of hotels and motels are insured with Acuity

Loss Control Professionals

Once an injury occurs, it is too late to assess what should have been done. We staff highly trained loss control professionals with manufacturing backgrounds who work directly with you to help improve safety and prevent accidents.

Acuity Nurse Helpline

The Acuity Nurse Helpline is a 24/7 service for workers with nonemergency injuries. It can reduce your workers’ compensation expenses and is free to everyone who has a workers’ compensation policy with Acuity.

Safety materials

Our online educational materials, including videos, loss prevention articles, and much more, are available anytime, anywhere, and will help you sustainably grow your business.


Have questions? We have answers.

We insure a variety of hotels and motels, from independent hotels and motels to franchises!

Definitely! At Acuity, your business is a name, not a number. We review hotels (and any other business we insure) on a case by case basis. This allows us to learn what makes your business unique and ultimately provide the best service!

Our experienced loss control representatives can scope out your site and review current practices to give suggestions for improving safety and meeting regulatory standards. The best part? Their services come free of charge with an Acuity policy! We also have a bunch of online safety materials under the “Resources & Tools” section of this website, available for no extra cost.


Get answers from our insurance experts.
The hospitality industry has faced immeasurable changes in the last year. Fortunately, hotels are beginning to see regrowth. However, with this opportunity comes challenges, as many displaced hospitality workers have moved on to other fields.
Finding and maintaining quality staff isn't always easy for hotels and motels, and it is becoming even more challenging as employee expectations for work-life balance, compensation, and employee benefits evolve. Though economy and mid-level hotels can’t always compete with larger hotel chains, that doesn’t mean they can’t offer a desirable workplace.
It has become clear that the way people travel is changing. It is important to learn about the new travel groups and emerging trends so you can best market and appeal to your evolving customers. Each group has its own goals, and a solid understanding will help you create and curate a more effective marketing plan and experience.

Where to next?

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