Innkeepers' Liability
Innkeeper’s Liability Insurance protects hotels, resorts, inns, and hospitality businesses against financial losses arising from damage to or theft of guest property while under the care, custody, or control of the insured.
Coverage is designed to address the legal and operational exposures associated with accommodating guests and safeguarding their belongings during their stay.
Coverage typically responds to claims involving guest property lost, stolen, or damaged due to incidents such as theft, fire, water damage, or negligence connected to hospitality operations.
Coverage may also include protection for:
Guest property loss or damage: Coverage for personal belongings, luggage, valuables, or other guest property damaged or stolen while on the premises.
Legal liability and defense costs: Protection for legal expenses, settlements, and covered damages arising from claims alleging negligence or failure to safeguard guest property.
Hospitality operational exposures: Coverage designed for hotels, resorts, inns, motels, conference centers, and other lodging operations where guest property exposures are significant.
Employee theft and internal exposures: Protection for losses involving theft or dishonest acts committed by employees or service personnel.
Temporary storage and valet exposures: Coverage may extend to guest property temporarily stored, handled, or transferred by the insured organization during normal operations.
For multinational hospitality organizations, coverage is often coordinated through a Controlled Master Program (CMP), such as the WMB Global Risks Global Master Program, with locally admitted policies where required to support coordinated coverage, regulatory compliance, and centralized claims management across jurisdictions.
Innkeeper’s Liability Insurance is designed to help hospitality organizations protect guest trust, manage operational liability exposures, and support continuity when guest property incidents occur.