Connect coverage to the actual operation
Limited-service hotels still carry around-the-clock guest, property, cyber, employee, parking, breakfast, housekeeping, and income exposures. Brand standards, construction, protection, occupancy, and realistic reopening time remain central.
Risks to review
- Guest injury, room damage, theft, and security incidents
- Fire, water, wind, roof, and equipment loss
- Cyber, payment, reservation, and privacy events
- Business interruption and franchise obligations
Information to prepare
- Room count, occupancy, rates, revenue, and amenities
- Construction, roof, updates, sprinklers, alarms, and security
- Franchise agreement, property values, payroll, and income
- Loss runs, inspections, storm plans, and recovery timeline
Frequently asked questions
Does limited service mean limited insurance exposure?
No. Reduced amenities can change the risk profile, but lodging, property, guest, employee, cyber, security, and income exposures remain significant.
Why does average daily rate matter?
Room rates, occupancy, seasonality, and ancillary revenue help estimate income exposure and the financial effect of an interruption.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.