Hotel insurance with Auto-Owners gives you the protection you need so you can focus on making your guests comfortable.

At Auto-Owners, we understand the comfort and safety of your guests is the number one priority. We have an exclusive Hotel program designed to ensure you have the protection you need.

Your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the insurance you deserve for a price you can afford. Don’t trust anyone to protect your business – find your local independent agent representing Auto-Owners today

Hotel bedroom

Hotel Plus Package

Our Hotel Plus Package was developed to provide many common coverages that hotels need in one convenient package.

Front desk at a hotel with a caution sign on the computer

Cyber Liability

Cyber protection with Auto-Owners can include guest names, credit card numbers, and even the threat of a virus.

Hotel building with cars in the parking lot

Save With Multi-Policy Discounts

Save money when you choose Auto-Owners for your business, personal and life insurance!

Common Coverages

General Liability

Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by any products you offer, your services or work you have performed.

Inland Marine

Provides broader protection for your specific commercial property such as computers, machinery and equipment, tools and other items.

Commercial Property

Provides protection for your buildings, business personal property and property of others.

Workers Compensation

Covers work-related injuries to your employees.

Commercial Auto

Covers vehicles you own and use for your business.

Commercial Umbrella

Covers large liability losses that exceed the limits of the underlying general liability policy.

Additional Coverages

Liquor Liability

Coverage for liability that may arise from accidents caused by patrons who were served alcohol at your hotel.

Business Interruption

After a loss, it can take some time to get your business running smoothly again. This protection covers loss of income, costs for continued operation and extra expenses incurred during the time of rehabilitation.

Equipment Breakdown

Covers mechanical breakdown of equipment used in your business. Includes the cost to repair damaged equipment, spoiled goods and loss of income.

Employee Dishonesty

Covers your business for employee theft of money, securities and other tangible property.

Employment Practices Liability (EPL)

Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.

Cyber Liability

In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.

Innkeepers Liability

Provides coverage for your guests’ property while in the hotel or your possession.

Ways to Save

Multi-Policy Discounts

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Dispersion Credit

If you own multiple hotels at different locations and insure them on the same insurance policy, you may be eligible for additional savings.

Group Discount

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.  Discount does not apply for escrow direct bill accounts.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent