Hotels & Hospitality

Inviting rooms, friendly service, great amenities — as a hotel/motel owner, you expertly manage many moving parts. So leave the insurance protection to us. We've created a special insurance package for hotels and other hospitality businesses like, bed and breakfasts and motels. We believe that having the right protection in place lets you focus on what you do best: running your hotel.


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Your Risks, Our Solutions

Off-premises property coverage

 You have up to $25,000 to cover property temporarily away from your hotel.

Building ordinance and law coverage

In case an ordinance or law increases the cost of construction on your building after a loss caused by a fire, windstorm or other covered cause.

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.

Your Risks, Our Solutions

Coverage for property losses

For fires, natural disasters like hurricanes or tornados, and more.

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.

Income protection coverage

To protect income when a covered loss shuts down your hotel.

Your Risks, Our Solutions

Workers’ compensation

In the event an employee suffers an injury or disease arising in the course and the scope of his or her employment, workers’ compensation insurance provides coverage regardless of negligence on your part.

Liability coverage

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

Employment practices liability

In the event an employee claims they’ve experienced employment discrimination, wrongful termination and sexual harassment. (Available for purchase by a separate policy.)

Even More Coverage

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


Data breaches

To notify and assist your affected guests and to provide your business with crisis resolution services if a data breach happens. (Available for purchase on select policies.)

Sewer and drain backup

To cover a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump. (Available for purchase on select policies.)

Employee dishonesty

To protect you against a situation that is hard to detect and often goes on for an extended amount of time.

Electronic data coverage

To cover you if a computer virus corrupts your computer system.

Valuable papers

To restore or replace important financial documents, deeds and more.

Forgery and alteration

In case someone forges your business checks or fraudulently uses your business's credit or debit card.

Accounts receivable

To reproduce or replace accounts receivable records after a loss.

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.


 If you have to file a claim, you can rest easy knowing that ERIE stands behind its promise of service.  With ERIE, you have claims service that’s: 


Quick to respond

Reimbursement for smaller claims can happen in as little as 48 hours.



ERIE has claims offices throughout its territory, so help is always close by.


What ERIE Customers Have to Say
The best recommendation is a satisfied customer.

Here’s what a hotel owner had to say about working with ERIE. 

Details, Service Important to Hotelier

95 & 95 Inc. Smithfield , NC 25 employees

people working behind counter

Hotel owner Hank Daniels knows it’s the dozens of small details — the guest services, the softness of the pillows, even the lighting in a hallway — that add up to a total customer experience. That’s why he’s proud of the fact that guests come back again and again to his two Smithfield, N.C. hotels. It’s proof that he and his staff are getting service right and treating their guests special.

That same attention to service and detail is why he chooses Erie Insurance as his carrier. Hank has choices in insurance, but the relationship with his agent, the care the company took with his claim and the price have turned him into a loyal ERIE customer.

“I trust ERIE,” Hank said. “They have my back.”

Interested in working with a company like that? Then contact a local ERIE agent in your community today.


Hotel and Hospitality Quote

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

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