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Hotels & Hospitality Insurance

As a hotel/motel owner, you expertly manage enough moving parts, so leave the insurance protection to us. With a special insurance package for those in the hospitality business, ERIE has you covered.
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Even More Coverage

You’ll be glad to know that your hotel insurance goes the extra mile with these extra coverages.

Hired & Nonowned Auto Liability

Covers liability arising from autos you lease, hire, or borrow or autos of your employees being used in connection with your business.1

Sewer or Drain Backup

Covers a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump.2

Data Breach Response Expenses

To notify and assist affected individuals and provide various case management services.1

Ordinance or Law

Covers increased costs of complying with building codes which regulate construction and repair of damaged buildings after a covered loss.

Employee Theft

Protects you against employee theft, which is a situation that can be hard to detect and often goes on for an extended amount of time.

Earthquake

Covers a loss caused by an earthquake.2 

1 Available for purchase as an additional coverage on select policies.
2 Available for purchase as an additional coverage.

Business Insurance from ERIE Has You Covered

Your Risks, Our Solutions

Premises Liability Coverage

If you become legally liable for injuries suffered by a guest after something like a slip-and-fall accident at your hotel.

Liquor Liability Coverage

For legal costs and payments if your onsite bar is named in a lawsuit. (Available for purchase as an additional coverage.)

Liability for Guests’ Property Coverage

In case you become legally liable to pay for a guest’s property that was damaged while in your hotel’s possession.

Coverage for Property and Income Loss

For property that is damaged by theft, water damage, fire, lightning, wind, vandalism or other covered perils, as well as funds to rent an alternate space while your business is being repaired.

Equipment Breakdown Coverage

To repair or replace equipment such as refrigerators, freezers, telephones, computers and heating/cooling equipment after an equipment breakdown caused by something like a power surge due to a loss ERIE covers.

Coverage for Certain Utility Interruptions

In case an off-premises utility service interruption causes you to lose income because your electricity is out.

Workers’ Compensation Coverage

In the event an employee suffers an injury or disease arising in the course and the scope of their employment, regardless of negligence on your part. (Available for purchase as a separate policy.)

Business Auto Coverage

To protect you, your drivers and your business in many important ways. (Available for purchase as a separate policy.)

Employment Practices Liability

Protection for you and your business in the event an employee claims to have experienced employment discrimination, wrongful termination or sexual harassment. (Available for purchase as an additional coverage.)

Great service is part of the package.

Risk Control

You have access to risk control tools and services to help you identify and reduce common business risks.

Specialized Services

You have support from claims and customer service teams that have special training in serving businesses like yours.

Your Local ERIE Agent

Your independent ERIE agent is there for you from quote time to claim time to every time in between.

Claims service you can count on

With ERIE, you have claims service that’s local and quick to respond.

 If you have to file a claim, you can rest easy knowing that ERIE stands behind its promise of service. ERIE has claims offices throughout its territory, so help is always close by. Reimbursement for smaller claims can happen in as little as 48 hours.

Hotel and Hospitality Quote

Does your hotel have the right level of protection? If not, let’s talk.

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