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☀️ Florida · Hotel & Motel Insurance

Hotel & Motel Insurance
in Florida

Property · General Liability · Liquor Liability · Loss of Income — licensed Florida specialists with 20+ years of commercial insurance experience.

📍 Licensed in FL · TX · CA · AZ · GA · WA · DC

Free Florida Quote

We respond within one business hour.

🔒  Your info is never shared or sold
Licensed in Florida
20+ Years Experience
Independent — 6 Carriers Shopped
Limited & Full Service Hotels
Same-Day Quotes

Protecting Florida Hotel Owners for 20+ Years

Secure Risk Partners is licensed in Florida and specializes in hotel and motel insurance across the state. Florida's tourism-driven economy creates major hotel demand — and significant risk. From hurricane exposure to high-volume guest liability, we know what Florida hotel owners face.

As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to find you the best coverage at the best price.

📞 Call (469) 983-2600
5,500+
Hotels in FL
#1
Tourism State
High
Hurricane Risk

Florida hotel owners face significant hurricane property exposure on top of standard liability

Workers' comp is required for Florida businesses with 4 or more employees. Hurricane coverage is essential for all Florida hotel properties.

Every Coverage Florida Hotel Owners Need

We write all of these for Florida hotel owners — individually or as a complete package.

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Property Insurance

Building, contents and outdoor property at replacement cost. Hurricane and windstorm coverage strongly recommended.

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General Liability

Slip and falls, guest injuries, pool liability and third-party property damage.

⚠️ If You Serve Alcohol🍻

Liquor Liability

Required if your hotel operates a bar or serves alcohol. Standard GL policies exclude liquor-related claims.

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Loss of Income

Replaces lost revenue and covers continuing expenses when a covered loss forces you to close or reduce operations.

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Crime & Theft

Employee dishonesty, robbery and guest property theft coverage.

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Workers' Compensation

Required for businesses with 4+ employees in Florida — competitive placement available.

We Know Florida Hotels. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in Florida and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

Florida Hotel Insurance FAQ

What coverages does a Florida hotel owner actually need?
At minimum: property, general liability and loss of income. If you serve alcohol add liquor liability. We also recommend crime coverage and workers' compensation for all staff.
Is liquor liability required for Florida hotels?
Not mandated by law, but critically important if your hotel has a bar or serves alcohol at events. Standard GL policies specifically exclude liquor-related claims.
Is hurricane coverage included in my Florida hotel property policy?
Not automatically. Hurricane and windstorm coverage is often a separate endorsement or policy in Florida. We structure your property coverage to include appropriate hurricane protection based on your specific location.
Do you cover limited service hotels and budget motels in Florida?
Yes. We cover the full spectrum from roadside motels to full-service hotel brands. Our carriers have appetite for both newer and older properties across Florida.
How quickly can you get a Florida hotel quote?
Same day in most cases. We need basic property details — location, square footage, year built, number of rooms and current coverage — and we can have options within hours.
Can you cover a Florida hotel undergoing renovation?
Yes. We work with carriers that cover hotels mid-renovation. Coverage terms depend on the scope of work. Call us to discuss your specific situation.

Ready for Your Florida Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

📞 Call (469) 983-2600 Now

Get Your Florida Hotel Quote

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💬 Ask Alex
🤖
Alex
SRP Insurance Assistant