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Florida Hotel & Motel Insurance for the Hospitality Industry

Protect your property, your guests, and your reputation. Our hospitality insurance covers Florida hotels, motels, and inns against the state’s unique risks.

What Does Hotel & Motel Insurance Cover in Florida?

Property Insurance

Covers your buildings, guest rooms, furniture, and amenities against fire, storms, vandalism, and theft.

General Liability

Protects your business if a guest is injured or property is damaged on your premises.

Innkeeper’s Liability

Coverage for guest belongings, lost luggage, and incidents beyond your control.

Business Interruption

Income replacement if a disaster or event forces you to temporarily close.

Equipment Breakdown

Covers failures of heating, cooling, laundry, and kitchen equipment.

Liquor Liability

Optional protection for hotels with bars, restaurants, or event hosting.

Why Hotel & Motel Insurance Matters in Florida

  • Severe Weather & Flood Risks
     Florida’s hurricanes and storms require strong property and loss-of-income coverage.

  • High Guest Turnover & Liability Exposure
     Busy seasons and constant guest traffic increase your risk of accidents and claims.

  • Protect Your Brand
     One incident can harm your reputation and finances—be prepared with expert protection.

Bundle Hospitality Insurance for Maximum Protection

Save on premiums and simplify management by bundling property, liability, business interruption, and specialized coverages with one agency.


  • Discounts for bundled policies

  • Custom programs for hotels, motels, resorts, and inns

  • Fast, local claims support
Ask About Hospitality Insurance Bundles

HOTELS & MOTELS INSURANCE

Frequently Asked Questions

  • Is hotel insurance required in Florida?

    Lenders, franchisors, and contracts may require specific coverages. Comprehensive insurance is essential for all hospitality businesses.

  • Can I cover guest property and valuables?

    Yes—innkeeper’s liability covers guest property loss or damage.

  • What’s the biggest insurance risk for Florida hotels?

    Storm, wind, and flood events are major threats—business interruption and disaster plans are key.

  • Do you offer insurance for hotel bars or restaurants?

    Yes—liquor liability and food service coverage are available.

  • How can I save on hotel insurance?

    Bundle all lines, invest in risk management, and review your program yearly.

Still Have Salon Insurance Questions?

Protect Your Hotel, Guests & Staff—Get Covered Today

Let American Insurance Agency help you secure the right coverage so you can focus on guest service, growth, and hospitality excellence.

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