Hotels, lodging & campgrounds

7 researched profiles in this educational category. Collections may overlap.

UW takeaway

Saved research for Hotels, lodging & campgrounds frequently highlights premises liability, workers' compensation, liquor liability. Confirm which concerns apply to the actual work, what controls are used and whether additional activities change the coverage discussion.

Explore activities

Traveler Accommodation (4)

RV (Recreational Vehicle) Parks and Recreational Camps (2)

Rooming and Boarding Houses, Dormitories, and Workers' Camps (1)

Coverage topics in saved research

Commercial Property

Hotels (except Casino Hotels) and Motels: Building and contents typically represent the largest single insurable value — furniture, fixtures, and equipment in guest rooms add substantially to replacement cost.

RV (Recreational Vehicle) Parks and Campgrounds: Covers camp store buildings, restroom and shower facilities, recreation halls, laundry facilities, owned cabins or glamping units, and business personal property.

Workers' Compensation

Hotels (except Casino Hotels) and Motels: Housekeeping, maintenance, and food and beverage staff drive meaningful WC exposure; employee count and payroll are primary underwriting factors.

RV (Recreational Vehicle) Parks and Campgrounds: Grounds crew, maintenance workers, and camp store employees face outdoor and manual-labor injury exposures — often a meaningful cost driver for year-round or larger staffed operations.

Liquor Liability

Hotels (except Casino Hotels) and Motels: Properties serving or selling alcohol typically need standalone or endorsed liquor liability — GL forms often exclude or limit liquor-related claims.

RV (Recreational Vehicle) Parks and Campgrounds: Campgrounds hosting events, operating snack bars with beer sales, or allowing BYOB in common areas may have liquor liability exposure depending on state law and operation specifics.

Commercial Auto

Hotels (except Casino Hotels) and Motels: Hotel shuttles, vans, and owned vehicles require commercial auto; hired and non-owned auto is worth considering for employee errands.

RV (Recreational Vehicle) Parks and Campgrounds: Golf carts, utility vehicles, and maintenance trucks used on the property or on public roads carry commercial auto or hired-and-non-owned auto exposure.

General Liability

Hotels (except Casino Hotels) and Motels: Covers premises liability, products liability from food and beverage, and completed operations — a foundational coverage for guest-facing operations.

RV (Recreational Vehicle) Parks and Campgrounds: Core coverage for premises injury and guest bodily injury across the entire campground footprint, including recreational amenities — typically the foundational policy.

Umbrella / Excess Liability

Hotels (except Casino Hotels) and Motels: Significant premises and liquor severity potential often warrants umbrella limits above primary GL and liquor towers.

RV (Recreational Vehicle) Parks and Campgrounds: Given the severity potential of pool drownings, recreational injuries, and large-group premises events, higher underlying limits with umbrella coverage are often worth considering.

Equipment Breakdown

Hotels (except Casino Hotels) and Motels: HVAC, elevators, commercial kitchen equipment, and laundry systems represent meaningful breakdown exposure in full-service properties.

Rooming and Boarding Houses, Dormitories, and Workers' Camps: Boilers, HVAC systems, elevators, and commercial kitchen equipment in larger facilities can create meaningful breakdown exposure.

Business Income / Extra Expense

Bed-and-Breakfast Inns: Loss of rental income following a covered property loss can be significant for a property with thin operating margins and high fixed costs.

RV (Recreational Vehicle) Parks and Campgrounds: Seasonal revenue concentration means a mid-season property loss could wipe out a disproportionate share of annual income — worth considering for operations with meaningful structures.

Questions to ask

  1. How many rooms does the property have, and what is the approximate annual room revenue? (Hotels (except Casino Hotels) and Motels)
  2. How many total sites does the campground have, and what is the breakdown between tent, RV hookup, cabin, and glamping or other accommodation types? (RV (Recreational Vehicle) Parks and Campgrounds)
  3. What is the primary resident population — students, seasonal workers, long-term boarders, or another group? (Rooming and Boarding Houses, Dormitories, and Workers' Camps)
  4. What percentage of total revenue comes from gaming operations versus hotel, food-and-beverage, and entertainment? (Casino Hotels)
  5. What is the primary camper or guest profile — children, families, adults only, or mixed — and what is the maximum overnight capacity? (Recreational and Vacation Camps (except Campgrounds))
  6. Does the operation own the building, lease it, or manage it on behalf of a third-party owner? (Rooming and Boarding Houses, Dormitories, and Workers' Camps)
  7. How many guest rooms are operated, and what is the estimated annual room revenue? (Bed-and-Breakfast Inns)
  8. What recreational amenities are on-site — swimming pool, lake or pond swimming, playgrounds, sports courts, bike rentals, zip lines, or other active recreation? (RV (Recreational Vehicle) Parks and Campgrounds)

AI-generated educational research may contain errors. Verify classifications, coverage and carrier requirements. Category membership does not establish policy fit.