Hotel & Motel Hospitality Insurance 

Hotel & Motel Insurance in Los Angeles, CA

Protecting California’s Hospitality Businesses with the Right Insurance

Whether you run a boutique hotel in West Hollywood or a family-owned motel near LAX, operating a hospitality business comes with serious risks. From guest injuries to property damage and lawsuits tied to everything from food service to valet mishaps, your exposure is wide—and often costly.



At Derian Insurance, we specialize in hotel & motel insurance in Los Angeles, helping owners of lodging properties across California stay protected, compliant, and ready for whatever comes next.

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Coverages Every Hotel & Motel Needs

A typical hospitality insurance policy isn’t one-size-fits-all. We tailor your coverage to match the services you offer, your size, location, and guest volume. Key coverages may include:

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Commercial Property Insurance

Protects your building, furniture, electronics, linens, and other contents from fire, theft, vandalism, and other losses.

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General Liability Insurance

Covers guest injuries on the premises, including slip-and-falls, pool accidents, and more.

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Innkeepers Liability

Covers guest property that may be damaged or stolen while in your care (varies by policy).

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Business Interruption

Replaces lost revenue if your hotel must close temporarily due to a covered event like fire or storm damage.

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Equipment Breakdown

Critical coverage for HVAC, boilers, and other systems that keep your hotel running (especially in older buildings).

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Workers’ Compensation

Required coverage for employees like housekeepers, maintenance staff, and front desk agents.

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Commercial Auto

If your property offers shuttle service or operates service vehicles.

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Liquor Liability

If your property includes a bar, restaurant, or even minibars.

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Umbrella Insurance

Additional liability protection for high-risk properties with large guest counts.

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Cyber Liability

Optional but valuable for properties handling bookings, credit card data, and customer information online.

We can customize your policy based on your amenities—such as gyms, pools, restaurants, and spas—and the services you offer your guests.

Why Los Angeles Hospitality Businesses Work with Derian

We’ve been insuring hospitality operations across California for over 55 years, from independent inns to multi-property hotel owners. We understand that no two hotels or motels are alike, and we’ll work to build a policy that truly fits your operation.



Our team goes beyond standard coverage by helping you:

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Navigate insurance requirements from hotel franchises or lenders

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Identify gaps in coverage based on your location, property age, or services

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Adjust your policy as your business grows or expands amenities

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Respond quickly to claims and get you back in business after a loss

Need specialized endorsements—like assault & battery coverage, valet liability, or food-borne illness protection for on-site dining? We’ll help make sure nothing gets overlooked.

Hotel & Motel Insurance FAQs

  • How much coverage does a hotel need?

    At a minimum, enough to fully replace the building and contents, with liability limits that meet or exceed franchise/lender requirements—often $1M or more, with umbrella policies layered on.

  • Do I need special insurance for a hotel pool or gym?

     Yes. These amenities increase your liability risk. We’ll make sure your policy includes adequate coverage.

  • Can I get earthquake or flood insurance?

    Yes. In California, earthquake insurance isn’t part of a standard property policy, but we can place coverage through specialty markets.

  • What is business interruption insurance and how does it work?

    It covers lost income and fixed expenses (like payroll or taxes) if your hotel has to close temporarily due to a covered loss, such as fire or storm damage.

  • Will insurance cost more for older motels or inns?

    Possibly—but we work with carriers who understand historic or aging properties, and we’ll help you take steps to reduce premiums where possible (like adding sprinklers or alarms).

  • Is earthquake insurance worth it in LA?

    Standard property policies exclude earthquake damage. While not mandatory, quake coverage is strongly recommended in Southern California.

Let’s Keep Your Guests—and Your Business—Protected

From boutique B&Bs to full-service motels, Derian Insurance helps California hospitality businesses stay open, compliant, and prepared. Let us review your policy, advise on specialty risks, and quote a package that meets both your budget and your business goals.



Request your free hospitality insurance quote today.