Washington Hotel & Motel Liability Exposure

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Washington Hotel & Motel Liability Exposure

Hotels and motels present significant investments for their owners. Such properties demand a great deal of time, money, and attention to maintain. A similarly immense effort is required to ensure ongoing profitability. As many of these hotels and motels involve complex networks of personnel, repair services, food services (in some cases) and staff, the resulting risk exposure is very high. It is therefore imperative to cover all these risks by retaining an insurance policy dedicated strictly to protecting the unique requirements of hotels and motels, and the people who own them. This is only made more important with the variability of property values and meteorological festivities native to Washington state and the Seattle area.

As "hoteliers and inn keepers", owners and operators strive to give their customers an enjoyable stay. With such concerns in mind, it can be easy to lose track of some of the risks attached to the hotel and motel hospitality industry. Hotels and motels receive hundreds or thousands of visitors each year. Such volume can leave these businesses extremely exposed should an accident occur on the premises.

For example, if a guest were to trip upon leaving their room and become injured, obviously the hotel or motel could be held liable for significant damages. However, some owners fail to acknowledge the real risk of floods, coastal storms, or other disasters that can occur in the Seattle area and can result in prolonged business interruption. Policies available for hotels or motels include employers' liability insurance, business interruption insurance, money coverage, glass coverage and loss of alcohol license. These coverages can be especially important considering the property values, taxes, natural disasters and expenses facing west coast operations.
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Hotel and Motel Insurance coverage should be customized to meet specific operational needs, including:

Natural disasters

General liability

Commercial vehicle coverage

Liquor liability

Food service coverage

Workers compensation

Machinery and equipment failure

Washington-based hotels and motels need be concerned with natural disasters, client liability, food services exposure, and a host of other variables that can lead any organization to ruin when left unattended. As such, Seattle hotel insurance, Washington hotel insurance, Seattle motel insurance, and Washington motel insurance are critical components to operating any such hospitality business in the region. Finding a qualified local carrier is crucial to staying protected from the unique and numerous risks presented by the industry of hospitality and business operation in the Pacific Northwest.

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