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Protect your hotel with insurance built for hospitality.
Protect your guests, staff, and property with tailored hotel insurance across Canada. In the hospitality sector, hotels face unique risks such as guest safety concerns, property damage, and operational challenges that require specialized insurance solutions.
Hotels face distinct risks–from slip-and–fall injuries to fire, cyberattacks, and liquor liability claims. Without insurance, any incident could seriously impact your operations and finances. Hotel insurance in Canada is designed to protect your property, people, and income streams. Whether your company operates a boutique inn, a major resort, or a franchise chain, the right coverage keeps your business secure. This guide outlines key coverage options, real risks, cost factors, and ways to save.
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Hotel insurance is specialized business insurance for the hospitality industry. It helps protect hotels, motels, resorts, and bed & breakfasts from the many risks that come with welcoming guests and managing staff. A comprehensive policy can cover your building, equipment, furnishings, contents, revenue, and liability exposures, helping protect your business from unexpected events that could interrupt operations or lead to costly claims.
Typical coverage includes liability insurance, commercial property insurance, and business interruption insurance. These policies can help protect against guest injuries, staff accidents, fire or water damage, theft, and cyber breaches involving booking systems or payment data. Innkeeper’s liability can also cover your responsibility for guests’ property kept on-site.
Unlike standard property insurance, hotel insurance is built for the day-to-day realities of hospitality businesses. It can include commercial general liability coverage if a guest is injured on your premises or their property is damaged, along with third-party liability coverage for other claims involving injury or damage on-site. Whether you operate a boutique inn or a larger hotel, the right coverage helps protect your business and supports day-to-day operations.
At BrokerLink, we support food businesses of every size, helping protect your kitchens, dining areas, and staff. We make business insurance simple, so you can focus on your guests while we handle the coverage.
Hotel insurance is important for a wide range of hospitality businesses that welcome guests, manage staff, and operate physical properties. This type of coverage may apply to:
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Canada's diverse climate and active tourism industry expose hotels to a range of unique risks. From severe weather events to guest injuries, even a single incident can cause major financial loss or downtime. Hotel insurance coverage helps hotel owners safeguard their property and operations against these challenges.
Common risks include severe weather, such as floods, wildfires, hail, and ice damage; guest-related liabilities, such as slips, foodborne illnesses, or falls; and host liquor liability for establishments serving alcohol in restaurants, bars, or event spaces. Cyber threats are also a growing concern, with booking systems and guest payment data frequently targeted by hackers.
Beyond property protection, hotel insurance covers assumed liabilities arising from contracts, as well as employee-related issues like workplace injuries or harassment claims.
For example, a ski lodge in B.C. faces a $500,000 lawsuit after a guest slips on ice. With hotel insurance that includes general liability coverage, the business is protected, with legal defense and settlement costs covered, allowing it to recover without devastating financial impact.
Hotel insurance in Canada combines several essential coverages designed to protect your property, guests, and revenue. Policies can be customized with additional coverages to address specific risks unique to your business. Each coverage plays a unique role in safeguarding your business against common risks faced by hotels, motels, and resorts. Additional coverages, such as liquor liability and event cancellation insurance, can be included based on your hotel's needs.
Commercial general liability (CGL)
Commercial property insurance
Business interruption insurance
Workers’ compensation
Commercial auto insurance
Liquor liability insurance
Cyber liability insurance
Equipment breakdown insurance
Crime insurance
Directors & officers (D&O) insurance
Environmental liability
Event liability
This coverage protects your hotel from third-party injury or property damage claims. Whether a guest slips in the lobby or a vendor trips on uneven flooring, CGL covers legal fees and settlements. It often includes product liability insurance, which covers damages caused by products your hotel supplies or sells, such as injuries or illnesses resulting from those products. Proof of protection can often be shown through a certificate of insurance.
Protects your buildings, furnishings, and equipment from damage caused by fire, water, storms, or vandalism. For properties with pools, spas, or fitness facilities, additional commercial swimming pool insurance can provide vital protection against accidents or property damage.
If a fire, flood, or other covered event forces your hotel to close temporarily, this coverage replaces lost income and covers ongoing expenses until operations resume.
Required under provincial law, this coverage supports employees who suffer job-related injuries or illnesses by covering medical costs and lost wages.
Covers shuttle vans, maintenance vehicles, or delivery cars used for hotel operations. If your business relies on independent contractors for these services, it’s worth reviewing Does My Business Insurance Cover Independent Contractors? to ensure everyone is properly protected.
Essential for hotels with bars, restaurants, or banquet services. It protects you from claims arising from alcohol-related accidents–often required for event hosting or catering services.
Covers expenses related to data breaches, ransomware, or stolen guest payment information. It safeguards against data breaches and cyber-attacks, protecting guest information and other sensitive data, such as customer data, bookings, and business software. It’s particularly important for hotels that manage online bookings and digital transactions.
Protects critical systems like HVAC units, elevators, and plumbing from costly mechanical or electrical failures that aren’t covered by standard property insurance.
Protects against internal theft, fraud, or employee dishonesty, which can be particularly relevant in cash-handling or accounting operations.
Safeguards the personal assets of your executives and board members from lawsuits alleging mismanagement, negligence, or breach of duty.
Helps cover cleanup costs and third-party damages if your property causes pollution, such as a chemical leak or contaminated water runoff.
If your hotel hosts weddings, conferences, or banquets, event liability insurance protects you from claims related to accidents, property damage, or injuries during special events.
By combining mandatory and optional coverages, hotel insurance provides comprehensive protection, ensuring that every part of your operation, from guest experience to management accountability, stays secure.
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The cost of hotel insurance in Canada can vary widely based on your property’s characteristics, location, and operations. Insurers evaluate multiple factors to determine your premium, reflecting the unique risks associated with your hotel or hospitality business. Understanding these variables helps you manage costs effectively while maintaining adequate protection.
Properties in urban centres typically face higher liability exposure due to guest volume, while rural or remote locations may have increased risks from wildfires, floods, or limited emergency services. Being situated in designated flood or fire zones can increase your premiums, but strong safety systems and compliance with building codes can help offset the cost.
Larger hotels with more rooms, floors, and amenities naturally require higher coverage limits. Insurers assess the replacement cost of your buildings, furnishings, and equipment, as well as the number of guests on-site at any given time. The greater the size and occupancy, the higher the potential for property damage or injury claims—and the higher the premium.
Offering extra services like bars, spas, commercial swimming pools, or restaurants enhances your guests’ experience but also increases risk. For instance, alcohol service introduces liquor liability exposure, while pools and spas raise the potential for accidents or property damage. Hotels with event or conference spaces also need to consider event liability insurance for added protection during weddings, meetings, or parties.
Higher revenue and occupancy rates often indicate more guests and more potential liability incidents. Insurers may also look at seasonal trends. For example, ski lodges or beach resorts with peak seasons might face different risk levels compared to year-round city hotels.
The more employees you have, the greater your exposure to workers’ compensation and employment-related risks. Coverage costs may increase for hotels with large housekeeping, kitchen, or maintenance teams due to higher chances of on-the-job injuries or liability claims.
Your claims history significantly influences insurance pricing. Frequent or high-value claims suggest elevated risk, which may lead to higher premiums or stricter policy terms. Implementing proactive risk management and safety measures can demonstrate responsibility to insurers and potentially lower rates over time.
Your chosen coverage amounts and deductibles play a direct role in determining cost. Higher coverage limits offer more protection but result in higher premiums. Conversely, opting for a larger deductible can help reduce monthly or annual premiums—though it increases your out-of-pocket cost in the event of a claim.
While costs vary by insurer and province, here’s a general overview of average hotel insurance premiums in Canada:
These estimates are for illustrative purposes and depend on individual property details, coverage selections, and insurer underwriting.
Hotel insurance is essential for protecting your property, guests, and operations—but it doesn’t have to break your budget. By understanding how premiums are calculated and taking steps to reduce your risks, hotel owners and property managers can secure strong coverage at more affordable rates. Here’s how to make the most of your insurance investment while keeping costs manageable.
Bundling multiple policies under one insurer is one of the simplest ways to save. Combining liability, property, and auto coverage into a single package often results in significant multi-policy discounts. For example, instead of purchasing separate policies for your commercial building, shuttle vans, and guest liability, a bundled hotel insurance package streamlines your protection—and helps you avoid overlapping or missing coverage.
Hotels that demonstrate a strong commitment to safety often qualify for lower premiums. Installing CCTV systems, burglar alarms, smoke detectors, and sprinkler systems reduces your risk of theft, fire, and vandalism—and proves to insurers that you take property protection seriously.
Some insurers may offer additional discounts for advanced measures like electronic key cards, access control systems, and 24-hour surveillance. These features not only protect guests and staff but also minimize potential claims, leading to long-term savings.
Your team plays a crucial role in risk prevention. Training staff in food safety, guest service, and emergency response helps reduce accidents, foodborne illness, and injury claims. Ensuring housekeeping and maintenance staff follow safety procedures—such as promptly cleaning spills or inspecting fire exits—minimizes liability exposure.
Regular workshops and certification programs also show insurers that your business maintains high operational standards.
Membership in recognized hotel or tourism associations can unlock insurance discounts and group rates. Organizations like the Hotel Association of Canada or provincial hospitality networks often partner with brokers and insurers to offer preferred pricing. Beyond cost savings, association membership also provides access to training programs, compliance resources, and networking opportunities that strengthen your business overall.
Your past claims record has a direct impact on your premium. A history of frequent or high-value claims signals greater risk to insurers, which can drive up costs. Implementing preventive maintenance, routine inspections, and risk management plans can help avoid minor issues from escalating into claims.
Documenting all incidents—even small ones—and showing evidence of corrective action can demonstrate to your insurer that you’re actively managing risk. Over time, maintaining a clean record can qualify your hotel for “preferred risk” status and lower rates.
With online booking systems and digital payment processing now standard in the hospitality industry, cyberattacks have become one of the fastest-growing risks for hotels. Strong cybersecurity measures, such as multi-factor authentication, firewalls, and data encryption, not only protect sensitive guest information but can also reduce your insurance costs.
Pro Tip: Hotels that invest in cybersecurity can earn lower premiums on cyber insurance policies. Many insurers now assess digital resilience as part of their underwriting process, meaning better protection can directly translate into better pricing.
Many franchise or branded hotels have specific insurance requirements outlined in their agreements. These may include minimum coverage limits for liability, property, and business interruption, as well as proof of a certificate of insurance. It’s essential to meet these standards to maintain your franchise relationship and protect your business.
Renovations, property expansions, or major upgrades can change your risk profile. Adding new facilities like pools, spas, or event spaces may require additional coverage or higher limits. Always review your policies after changes to ensure your hotel remains fully protected.
Hosting events increases potential liability exposure. Event liability insurance covers accidents, property damage, and guest injuries during special events, protecting your hotel from costly claims and helping maintain a safe environment for attendees.
Hotels with seasonal operations or periods of low occupancy should adjust coverage accordingly. Some policies offer reduced rates or flexible terms during closures while maintaining essential protection for property and liability risks.
In the event of a loss, prompt reporting and clear documentation are critical. Most Canadian insurers provide step-by-step guidance for filing claims. Work closely with your broker to ensure all details are submitted accurately, supporting a faster resolution and minimizing business disruption.
Staying informed and proactive about these additional considerations ensures your hotel insurance remains comprehensive, current, and aligned with your business needs.
At BrokerLink, we understand that running a hotel takes round-the-clock dedication and a commitment to guest satisfaction. That’s why we make insurance simple. Our licensed brokers take the time to learn how your property operates—front desk, housekeeping, amenities, and more—then match you with a customized hotel insurance policy that fits your needs. With more than 30 years of experience helping insure Canadian businesses, we know the risks hotels face and the protection they require. For your free hotel insurance quote, contact us today by phone, email, or in person at one of our many locations across Canada. Or, if you prefer, you can use our free online quote tool to receive a competitive hotel insurance quote in just minutes.
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No, hotel insurance is not legally required, but it’s often a condition set by landlords, lenders, or brand/franchise agreements to protect your property and operations.
Yes, provided you have event liability insurance or an appropriate add-on. This coverage protects against accidents, property damage, or injuries that occur during hosted events.
You can lower your insurance premiums by bundling policies (liability, property, and auto), installing strong security systems, maintaining a clean claims history, training staff in safety procedures, and strategically adjusting deductibles. Strong cyber protection and proactive risk management can also lead to cost savings.
Yes. Commercial general liability covers third-party injury or property damage claims, including slips, falls, or accidental damage caused by hotel operations.
Yes, these amenities can be insured, though they may increase premiums due to a higher risk of accidents. Specialized coverage like commercial swimming pool insurance is recommended for added protection.
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