Monday–Friday · 9:00 AM – 5:00 PM ET·Florida-born · Insuring businesses nationwide
Industries · Hospitality
Hospitality Insurance — hotels, motels, resorts, and event venues
Hospitality business insurance covers guest exposure end to end — GL with A&B, liquor liability, property + business income, and innkeeper's liability for guest property.
At a Glance
- GL with A&B
- Common requirement
- Liquor liability
- Mandatory if served
- Innkeeper's
- Guest property
- BI
- 12-month standard
Quick answer
Ellie Insurance Group is an independent business insurance agency (founded 2014, headquartered in Tampa, Florida) that shops 100+ carrier markets to place hospitality insurance — general liability with assault and battery, liquor liability, property and business income, innkeeper's liability, EPLI, and workers' compensation — for hotels, motels, resorts, and event venues. As an independent broker we compare real quotes side by side instead of locking you into one carrier. Start an Instant Quote and a licensed agent shops your property for you.
Coverage
What a hospitality program covers
- GL with A&B
Slip-and-fall, assault & battery sub-limits, sexual misconduct carve-back.
- Liquor liability
All alcohol service.
- Property + business income
Building, contents, and 12-month BI.
- Innkeeper's liability
Guest property in rooms.
- EPLI
Wage/hour and harassment.
- Cyber
Reservation and loyalty data.
Common gaps
What it typically won't cover
- Pool / water park without endorsement
- Off-premises events without endorsement
- Sexual misconduct past sub-limit
- Flood / wind (FL specialty)
Pricing
What drives hospitality premium
Room count + occupancy
Drives GL and property.
Pool / amenities
Heaviest single rate driver.
Alcohol %
Drives liquor + A&B.
Loss history
Slip claims push to E&S.
Quote checklist
What we'll need to quote
Quote checklist
What we'll need to quote
- Room count + occupancy
- Amenities (pool / spa / restaurant / bar)
- Alcohol service hours
- Property values + construction
- 5-year loss runs
- Headcount + payroll
FAQ
Frequently Asked Questions
- Standard GL excludes liquor liability — you need a dedicated policy or endorsement.
- Coverage for guest property in your rooms — typically sub-limited per guest.
- Yes, with proper endorsement. Slides, diving boards, and water parks load.
- Mixed-use STR with traditional lodging needs disclosure and endorsement.
Keep reading
Explore related coverage
Sources
Authoritative references
Coverage descriptions and regulatory figures on this page are general summaries reviewed against the references above and are not a statement of coverage, legal advice, or a guarantee of eligibility or price. Last reviewed . Requirements and policy terms change — always confirm current rules with the relevant agency and verify coverage against the actual policy and a licensed agent.
Related articles
Deeper reading on this coverage
Cost benchmarks
General Liability Insurance Cost: Real Benchmarks for 2026
Per-industry GL benchmarks: what contractors, retail, restaurants, and pros really pay — and what drives the price up or down.
Cost benchmarks
Workers' Compensation Insurance Cost: What Drives the Rate
Class codes, experience mods, and payroll caps explained — plus how to dispute an audit that's wrong.
Coverage guidance
Employment Practices Liability (EPLI): Why Every Employer Should Carry It
What EPLI does, how it works alongside workers' comp, and the typical premium for small and mid-size employers.
Reference
Commercial Insurance FAQ: 100+ Questions Every Owner Asks
Twenty-five plain-English answers to the questions every business owner asks before binding coverage.
Carrier access
Access to 100+ A-rated commercial markets
As an independent agency we shop 100+ admitted and surplus-lines carrier markets — so the carrier competes for your business, not the other way around.
+77 more
Next step
Ready to shop commercial coverage?
Talk to a commercial agent or run an instant quote online — same-day binding on most commercial submissions during business hours.