Business Insurance for Luxury and Boutique Hotels
Zurich offers specialized hotel insurance for the upscale hospitality industry, with coverages designed to help protect their property, employees and guests. Our broad appetite encompasses boutique hotels, condo hotels, premier and full-service hotels and resorts.
Our Program Administrator has the hotel business insurance experience and knowledge needed to find the coverage to meet the needs of customers falling within our broad appetite for high-end hotel, resort, condo and apartel (apartment/hotel) businesses.
Business owners: Contact your insurance agent or broker
Insurance agents
Call a specialist now 847-762-7152
Appetite
- Resorts with multiple restaurants and amenities such as conference, banquet, fitness, pools, spa services, retail, etc.
- Premier hotels: 4- and 5-star hotels of various sizes, but generally standalone facilities that may include amenities noted above
- Boutique and independent hotels
- Distinctive properties
- Some special amenities and specialty services
- Full-service franchise hotels
- Branded hotels with restaurant, conference, spas, meeting rooms and/or pools
Geography
- Nationwide, except Florida
Coverages offered
- Blanket Building/Personal Property and Business Interruption
- General Liability (includes liquor liability and herbicide/pesticide cover for hotel and golf exposures)
- Commercial Auto for fleets and GKLL (can include valet parking)
- Excess Umbrella Liability
Coverage limits
- General Liability – $1/2 Million and $1/3 Million
- Umbrella – Up to $5 Million
- Auto Liability – $1 Million
- Property – Dependent on construction
- Economy hotels (limited service)
- Motels
- Short stay hotels (motels that are rented by the hour or afternoon)
- Hostels
- Bed and breakfast (under 20 rooms)
- Condo hotels
- Admitted
- Forms available upon request for contact from Program Administrator
- ACORD applications (including a complete SOV)
- Supplemental applications
- Currently valued loss runs for the past five years
- Loss prevention guidance from professionals who have reviewed thousands of resorts and hotel properties nationwide
FAQs
Zurich provides specialized insurance solutions for luxury resorts and boutique hotels designed to address complex hospitality risks. Coverage helps protect properties, operations, guests and staff while supporting premium service environments and high value assets.
Luxury resorts and boutique hotels face higher property values, elevated guest expectations and unique amenities such as spas, fine dining and event venues. Zurich insurance solutions are designed to address these elevated exposures with tailored coverage, risk engineering support and specialized claims handling.
Zurich insures a wide range of luxury hospitality properties, including:
- Luxury resorts
- Boutique hotels
- Destination properties
- High end leisure and wellness resorts
Coverage is designed to scale based on property size, services offered and operational complexity.
Insurance programs for luxury resorts and boutique hotels may include:
- Property insurance
- General liability
- Workers’ compensation
- Umbrella and excess liability
- Business interruption coverage
Coverage is structured based on the specific risks associated with each property.
Yes. Zurich insurance solutions can extend to resort amenities such as pools, spas, restaurants, fitness centers and event spaces. These coverages help address liability and property risks associated with guest services and on site experiences.
Business interruption coverage may be included in Zurich hospitality insurance programs, helping protect revenue when operations are disrupted by covered losses such as property damage or other insured events.
Yes. Zurich works with owners and operators managing multiple luxury hotel or resort locations, offering coordinated insurance programs that provide consistency across properties while allowing for location specific risk considerations.
Zurich supports hospitality clients with integrated risk management services, including risk engineering, loss prevention insights and data driven claims analysis. These services help reduce incidents, protect brand reputation and improve operational resilience.
Learn more about our risk management.
Zurich insurance solutions are well suited for:
- Owners and operators of luxury resorts
- Boutique hotel groups
- Hospitality management companies
- Destination and experiential lodging brands
These solutions are designed for organizations that prioritize guest experience, asset protection and long term risk management.
Yes. Zurich works closely with insurance agents and brokers who specialize in hospitality and resort risks to design and place coverage that reflects the unique needs of luxury properties.
Luxury resort and boutique hotel owners should begin by contacting their insurance agent or broker. Zurich's Program Administrator for the Luxury resort and boutique hotel program collaborates with brokers to assess property values, operations and risk exposures before designing a tailored insurance solution.
Hospitality organizations choose Zurich because of:
- Deep experience in complex hospitality risks
- Strong financial stability
- Integrated underwriting, claims and risk engineering support
- Long term commitment to service driven industries
Zurich helps luxury hospitality businesses protect their properties, people and guest experiences.