An important part of running a profitable motel business is having motel insurance that can provide the right protection.

Motels and lodging businesses in general are different than any other type of business in the types of safety risks they are exposed to.

Motel insurance plans should address these safety issues to ensure that a business is well insured.

When contacting a motel insurance agency in search of this type of business insurance, motel business owners should be sure to purchase policies that protect against the top safety risks within the motel industry.

1. Slip and Fall Accidents

Slip and fall accidents are common anywhere that people congregate, including at motels.

As one of the most common liability risks of all businesses, basic motel insurance that covers this kind of safety liability is essential.

It protects not just guests, but also employees and anyone else who may trip and take a spill on the property and end up injured.

2. Credit Card Fraud and Cyber Crime

Credit card fraud is on the rise and with it are other types of cyber crime in general.

Since not every motel insurance plan automatically includes this type of protection, it is important to add it to basic coverage, as the incidence of these issues continues to climb.

From ransomware and the theft of sensitive customer data to damage that credit card fraud can have on a business, insurance that protects against the damage caused by cyber threats is essential in this day.

3. Fire Damage

Of all the ways that a place of lodging can sustain physical damage, fire is the most common.

Whether damage happens from a kitchen fire, an electrical problem, or is the result of a careless guest, purchasing appropriate protection from a motel insurance agency that covers physical property damage due to fire and other risks is critical.

Commercial property insurance should protect against natural disasters and any cause of significant or catastrophic property damage.

4. Security Issues and Physical Crime

Security problems and the physical crime that can be related to them remain a top concern in the motel insurance industry.

Between a lack of good security auditing and the many ways in which crime can happen at these establishments, it is critical to have a motel insurance plan that protects the business against the liability of acts of crime on the premises and other physical security issues.

5. Food Spoilage

Another less realized safety issue that can affect motels that offer food of any kind, even a simple complimentary cold breakfast to the public, is food spoilage.

Liability due to spoiled food is yet one more common safety risk that motel insurance agencies anticipate that many establishments may deal with from time to time.

Though the best means for reducing this risk is with strict inspection practices, a good liability policy in place will protect the business should spoiled food affect a guest at a motel location.

Motel Insurance Provides Vital Business Protection Against Liabilities

Every business faces its share of safety issues that can result in liability and a great motel insurance policy can provide essential protection in those instances.

Whether the problem is a guest tripping in a hallway, a stolen credit card, or even a fire in a room, a well-drafted motel insurance plan can financially protect that business against these and other common safety liabilities.

Get a tailored policy by contacting a motel insurance agency with experience insuring these types of businesses.