There are nuances to managing facilities where the population is in flux, whether a hotel or a large sports venue. SAX Insurance Agency has the experience, know-how and flexible understanding to match the right carriers to the right needs whether the overriding goal for your guests is a game that lasts a few hours or a comfortable stay for days.
The Hospitality industry faces many challenges. SAX offers products to address the specific requirements of this industry. Drawing on extensive carrier power and years of experience, we offer:
At SAX Insurance Agency, we understand the unique challenges of managing hotels, where a constantly changing guest population demands flexibility, safety, and exceptional service. Whether your property is a boutique inn, a luxury resort, or a mid-sized hotel, our tailored insurance solutions are designed to meet the specific needs of the hospitality industry. As an independent agency, we leverage our extensive experience and partnerships with A-rated, California-admitted carriers to deliver coverage that aligns perfectly with your hotel’s goals—ensuring a comfortable stay for your guests and peace of mind for you.
Your hotel’s physical assets—buildings, furnishings, equipment, and grounds—are the foundation of your business. Our Property Coverage protects against losses from perils such as fire, theft, vandalism, or natural disasters, ensuring your hotel can repair or replace damaged assets and maintain operations. From guest rooms to lobbies and recreational facilities, we safeguard your investment.
Your staff, from housekeeping to front desk personnel, is essential to delivering exceptional guest experiences. Our Workers’ Compensation coverage protects employees who are injured or become ill while performing their duties, covering medical expenses, lost wages, and rehabilitation costs. This coverage ensures compliance with California labor regulations and supports your workforce.
Our General Liability coverage shields your hotel from third-party claims related to bodily injury, property damage, or personal injury on your premises. From slip-and-fall accidents in hallways to incidents in dining areas or pool facilities, this coverage protects your business’s financial stability and reputation, ensuring guest safety and satisfaction.
Hotels often rely on vehicles for shuttle services, guest transport, or operational tasks. Our Auto Liability coverage includes:
For added protection, our Umbrella/Excess Liability policies provide an extra layer of coverage beyond your primary General Liability, Auto Liability, or other policies. These policies activate when claims exceed underlying limits, offering robust protection against catastrophic losses. Flexible limits are tailored to your hotel’s specific needs, ensuring comprehensive security.
Hotels rely on critical systems like HVAC, elevators, and kitchen equipment to operate smoothly. Our Equipment Breakdown Coverage protects against the financial impact of mechanical or electrical failures, covering repair or replacement costs for these systems. This ensures minimal disruption to guest services and operations.
Every hotel is unique, and SAX Insurance Agency offers a range of customizable coverage options to meet your specific needs, including:
Business Interruption: Compensation for lost income and extra expenses during disruptions, such as closures due to property damage.
Liquor Liability: Protection for hotels with bars or restaurants serving alcohol, covering liabilities related to intoxication or alcohol-related incidents.
Cyber Liability: Safeguards against data breaches or cyberattacks affecting guest payment information or hotel records.
Fidelity/Crime Coverage: Protection against theft or fraud by employees or vendors handling cash or finances.
Flood and Earthquake Insurance: Tailored coverage for natural disasters based on your hotel’s location and risk profile.
Valet Service Coverage: Protection for liabilities arising from valet parking operations. Our insurance experts work closely with you to assess your hotel’s risks and recommend tailored solutions for comprehensive protection.
Hotels face unique challenges, from managing a transient guest population to maintaining high standards of service. At SAX, we design insurance solutions that address these nuances, ensuring coverage that aligns with your operational needs and brand standards.
With years of experience insuring hotels and other hospitality venues, SAX understands the complexities of the industry. From ensuring guest safety to protecting high-value assets, our expertise delivers coverage that meets the specific requirements of your hotel.
We partner exclusively with A-rated, California-admitted carriers, ensuring compliance with state regulations and reliable claims handling. These financially stable insurers provide dependable backing, giving you confidence in your coverage.
In the event of a claim, our dedicated team guides you through every step, working with top-tier carriers to ensure a fast and fair resolution. We aim to minimize disruptions so your hotel can continue delivering exceptional guest experiences.
Whether your hotel is a single boutique property or part of a larger chain, our insurance solutions are flexible and scalable. We adapt coverage to accommodate growth, new amenities, or changes in your hotel’s operations.
Protect your hotel with the tailored, comprehensive insurance solutions from SAX Insurance Agency. Contact us today to request a personalized quote or schedule a consultation with one of our experienced insurance advisors. Let us help you safeguard your property, staff, and guests.
Disclaimer: Coverage availability and terms may vary based on the specific needs of your hotel and the policies offered by our partner carriers. Please contact us here or on social media for a detailed review of coverage options and exclusions.
