Hotels & Hospitality Insurance in Louisiana
Protecting Louisiana's hotels and hospitality businesses with coverage that understands guest safety, property protection, and the unique risks of serving travelers and events.
We serve hotels & hospitality businesses across Louisiana, from New Orleans to Shreveport and everywhere in between.
Top Risks Hotels & Hospitality Businesses Face in Louisiana
Hotels & Hospitality businesses in Louisiana face unique challenges that require specialized insurance protection. Understanding these risks is the first step toward comprehensive coverage that protects your business, employees, and livelihood.
Guest injuries from slips, falls, or accidents on your property
Property damage from hurricanes, floods, or fire affecting multiple rooms
Business interruption when disasters force temporary closure
Liquor liability if your bar or restaurant serves alcohol
Employment disputes with hotel staff and housekeeping
Theft of guest property or hotel equipment
Coverage Designed for Hotels & Hospitality
The right insurance coverage addresses the specific risks your hotels & hospitality business faces. Here's how each recommended coverage protects you from the challenges unique to your industry.
Essential protection for guest injuries, property damage claims, and liability from hotel operations, events, and guest activities on your property.
Covers your hotel building, rooms, furniture, equipment, and common areas from fire, hurricanes, theft, and other perils that could shut down operations.
Replaces lost revenue when hurricanes, fires, or other disasters force temporary closure, helping you retain staff and pay expenses during recovery.
Critical if you serve alcohol. Protects against claims from intoxicated guests causing accidents, essential under Louisiana's dram shop laws.
Protects against employment-related claims from hotel staff, housekeeping, and employees, which are common in the hospitality industry.
How Watley Insurance Group Supports Hotels & Hospitality
As a Louisiana-based commercial insurance agency, we understand the unique challenges hotels & hospitality businesses face in our state. We're not just insurance agents—we're your partners in protecting what you've built.
We Learn How Your Hotels & Hospitality Operation Works
Before recommending coverage, we take time to understand your specific operations, risks, and goals. This deep understanding ensures your policy addresses your actual exposures, not just generic industry risks.
We Shop Multiple Carriers Who Understand Your Industry
We work with insurance carriers that specialize in hotels & hospitality coverage. By comparing multiple options, we find you the best combination of coverage and price from carriers who understand your industry's unique needs.
We Help You Manage Certificates, Changes, and Claims
Your relationship with us doesn't end at the sale. We help with certificates of insurance, policy changes, claims support, and ongoing risk management. When you need help, you'll talk to someone who knows your business.
Real-World Situations Where Coverage Matters
These scenarios illustrate how the right insurance coverage protects hotels & hospitality businesses when unexpected events occur.
Hurricane Forces Extended Hotel Closure
A New Orleans hotel was severely damaged during a hurricane, forcing closure for four months during peak season. Business Interruption coverage replaced lost revenue, covered payroll for key staff, and helped with expenses, allowing the hotel to reopen without financial collapse.
Guest Slip-and-Fall Results in Major Claim
A guest slipped on a wet floor in a hotel lobby, resulting in serious injuries and a lawsuit. General Liability coverage handled medical expenses, legal defense, and settlement, protecting the hotel from financial devastation.
Intoxicated Guest Causes Accident
A guest who was overserved at a hotel bar caused a car accident, resulting in serious injuries. Liquor Liability coverage handled the claim, protecting the hotel from the potentially devastating financial impact of Louisiana's dram shop liability.
Hotels & Hospitality Insurance FAQs
Do hotels need Liquor Liability if they have a bar or restaurant?
Yes, absolutely. Louisiana's dram shop laws hold businesses liable for accidents caused by intoxicated patrons. If your hotel serves alcohol, Liquor Liability insurance is essential protection against claims that could result in hundreds of thousands in damages. General Liability typically excludes alcohol-related incidents.
How does Business Interruption help hotels after disasters?
When hurricanes, fires, or other disasters force closure, Business Interruption coverage replaces lost revenue, covers ongoing expenses like payroll and utilities, and helps maintain operations during recovery. This is critical for hotels that rely on continuous occupancy.
What insurance protects against guest injuries?
General Liability insurance protects against guest injuries from slips, falls, accidents, or property maintenance issues. This coverage is essential for hotels where guests are constantly present and where injuries can result in expensive claims.
How does Commercial Property insurance protect hotel assets?
Commercial Property insurance covers your hotel building, rooms, furniture, equipment, common areas, and other property from fire, storms, theft, and other perils. This is essential protection for the valuable assets that enable your hospitality operations.
Is Employment Practices Liability necessary for hotels?
Yes. Employment-related lawsuits are common in hospitality, even for well-managed hotels. EPLI protects against claims of discrimination, harassment, wrongful termination, and other workplace issues from hotel staff, housekeeping, and employees.
Get Coverage for Your Hotels & Hospitality Business
Tell us a little about your operation and a Louisiana-based agent from Watley Insurance Group will follow up with options tailored to your industry.
Let's Get You Insured Today
Fill out the form below or give us a call at 318-423-7445