Operating a hotel means ensuring your guests have a safe and enjoyable stay while also managing a range of potential risks. From property damage to liability claims, having the right insurance coverage is essential for the security and success of your business. At Northern Capital Insurance Agency Services (NCIAS), we specialize in providing tailored insurance solutions designed to meet the unique needs of hotel owners and operators.

Coverage Options for Hotels

• Property Insurance: Protects your hotel’s buildings, furniture, equipment, and other assets from damage caused by fire, theft, vandalism, or natural disasters.
• General Liability Insurance: Shields your business from claims involving bodily injury or property damage that could occur on your premises.
• Business Interruption Insurance: Provides financial support if your hotel is forced to temporarily close due to a covered event, helping you recover lost income.
• Workers’ Compensation: Ensures employees who are injured on the job receive the care they need while reducing legal risks.
• Cyber Liability Insurance: Safeguards your business against data breaches or cyberattacks, especially important for protecting guests’ personal and financial information.
• Liquor Liability Insurance: Covers your business in case of incidents related to alcohol service, such as accidents caused by over-served guests.