Running a hotel, motel, or luxury resort means managing much more than just reservations. You are responsible for the 24/7 safety of your guests, the integrity of your physical property, and the security of sensitive digital data. Barefoot Insurance Broker specializes in building comprehensive, high-capacity insurance portfolios tailored specifically for the hospitality industry across the United States.
Why Hospitality Insurance Matters
A standard commercial business policy leaves massive exposure gaps for hotels and resorts. You face unique, multi-layered risks every single day—from a guest slipping by the pool and catastrophic coastal storm damage, to a cyberattack on your booking system. You need a specialized risk management strategy designed to keep your doors open and your reputation flawless.
Call or TEXT (251) 202-3090
Recommended Coverage
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Commercial Property & Hurricane Coverage: Protects your physical buildings, high-end furnishings, and luxury amenities from fire, severe weather, and natural disasters.
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General Liability: Essential protection against guest injuries, slip-and-falls on your premises, and other third-party claims.
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Business Interruption: Replaces lost daily revenue and covers ongoing operational expenses (like payroll and mortgages) if a disaster forces you to temporarily close during peak season.
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Liquor Liability: Critical coverage if your property features a bar, restaurant, or offers in-room alcohol, protecting you against legal claims resulting from the actions of an intoxicated guest.
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Cyber Liability: Safeguards your business from the financial devastation of a data breach, protecting your guests’ sensitive credit card and personal information.
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Innkeeper’s Liability (Guest Property): Protects your business if a guest’s valuable personal belongings are stolen, lost, or damaged while in your care.
Coast-to-Coast Claims Scenarios
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The Coastal Storm: A severe hurricane damaged a beachfront resort’s roof and flooded the lobby; Property and Business Interruption coverage funded the complete physical rebuild and replaced the lost summer revenue.
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The Cyber Breach: Hackers infiltrated a boutique hotel’s reservation system, compromising hundreds of credit cards; Cyber Liability covered the forensic IT investigation, mandatory guest notification costs, and public relations recovery.
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The Poolside Incident: A guest slipped on a wet tile near the resort pool, requiring surgery; General Liability stepped in to cover the immediate medical bills and successfully settled the resulting lawsuit out of court.
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The Over-Served Guest: A patron at the hotel bar caused a severe accident after leaving the property; Liquor Liability covered the massive legal defense fees and the final settlement costs.
Why Choose Barefoot?
Hospitality is our core specialty. Whether you own a single interstate motel or manage a multi-state portfolio of luxury resorts, our nationwide licensing allows us to navigate complex regional risks effortlessly. We leverage our deep relationships with the nation’s premier A-rated carriers to deliver tailored, cost-effective coverage that protects your physical assets and your guests’ peace of mind.
Call or TEXT (251) 202-3090