Specialized coverages

Acuity is a highly rated commercial insurer providing all coverages that a hotel or motel may need, including general liability, property, workers’ compensation, businessowners, cyber liability, and crime. We also understand each risk is unique, and we work to tailor our coveage to those unique situations—giving you peace of mind so you can focus on your business.


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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Let us focus on your insurance, so you can focus on running your business.


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Get answers from our insurance experts.
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      Author of Services & Merchant Focus

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      Author of Services & Merchant Focus

    • Paige N.
      Author of Services & Merchant Focus

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    FAQs


    Have questions? We have answers.


    Without this endorsement, the property of your guests is not covered. Liability for guests’ property coverage can be added to your business policy to fill the coverage gap and help ensure loss damaging the property of your guests is protected.


    Replacement cost (RC) will pay to rebuild your building exactly as it was before you had a loss. Actual cash value (ACV) is similar to replacement cost, except it will subtract depreciation (ACV = RC – depreciation). With both RC and ACV, a building limit will appear on your policy and your insurance company will not pay more than that limit to rebuild your building. You and your agent work together before the policy is issued to determine the limit. Full building coverage is a little different. 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.


    This sounds like a job for our loss control team. One of our loss control representatives would be happy to visit your hotel or motel to check for safety hazards and regulatory compliance. These guys and gals know what they’re doing (our reps have an average of 27 years of experience!), and they’re friendly too. The best part? Their services come free of charge when you have a policy through Acuity.


    You bet we do! We have a package in our businessowners (Bis-Pak) program specially designed for hotels and motels. This package offers coverages with your industry in mind, such as liability for guests’ property and equipment breakdown.