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Motel Insurance Coverage and Claims

Motel Insurance Overview

Motel Insurance Overview

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Motel def: a hotel designed for motorists and usually has a parking area for motor vehicles. Entering dictionaries after World War II, the word motel, coined as a portmanteau contraction of “motor hotel”, originates from the Milestone Mo-Tel of San Luis Obispo, California (now called the Motel Inn of San Luis Obispo), which was built in 1925.[1] The term referred initially to a type of hotel consisting of a single building of connected rooms whose doors faced a parking lot and in some circumstances, a common area or a series of small cabins with common parking. Motels are often individually owned, though motel chains do exist. Source: Wikipedia

Who Needs Motel Insurance?

Motel insurance is a necessity for any type of establishment that provides lodging for guests on a short term basis. The facilities provided by such establishments may range from a modest-quality mattress in a small room to large suites with bigger, higher-quality beds, additional furniture, televisions and en suite kitchen facilities. Some establishments that need insurance include;

  • Motels
  • Inns
  • Boutique hotels
  • Destination resorts
  • Conference centres
  • Hotels

What Does Motel Insurance Cover?

Similar bodily injury and property damage coverage typically found in property and commercial general liability insurance policies are also found in motel insurance policy but are tailored to the unique needs of the motel industry. These unique needs might mean that liability coverage is needed for an onsite pool or other shared amenities. Some of the unique types of coverage available to motel insurance policies include, but it not limited to;

  • Emergency evacuation expense
  • Ordinance or law, including increased cost of construction and demolition costs
  • Interruption of utility services
  • Liquor liability
  • Business interruption

Common Motel Insurance Claims

As it is expected that motels exercise a high legal duty of care to do everything reasonably possible to ensure that the premises and facilities are safe for all guests, it is important to effectively prevent accidents wherever and whenever possible. Common motel insurance claims include, but are not limited to;

  • Slips, trips and  falls
  • Broken furniture
  • Burns
  • Water damage
  • Bed bugs

For A Motel Insurance Overview And/Or More Information On Common Motel Insurance Claims Speak To An ALIGNED Insurance Advocate Or Connect With Us Today At 

ALIGNED Across Canada   100% Canadian owned, ALIGNED is a premiere insurance brokerage that serves more than 1,400 clients across the country. ALIGNED’s offices in Toronto, Calgary and Vancouver are supported by a national operations centre in Cambridge, Ontario. Uniquely within the industry, ALIGNED creates, negotiates and delivers the best business insurance and risk management strategies/solutions to organizations like yours.

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