Workers' Comp Coverage for Hotels

We’ve been helping hotel and motel owners find affordable coverage for over 15 years. Our Experts understand the unique underwriting requirements from the insurance companies. That’s why we’ve developed programs designed to help you get the best rates and most flexible payment options.

Pay as you go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Workers' Compensation Codes Related to Hotels

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit

Hotel Insurance Workers' Comp and Liability

Class Code 9052
Hotel Employees

Businesses primarily engaged in the operations of hotels, motels, apartment hotels, motor courts and boarding houses. The class code generally includes all staff except those that would qualify under class code 8810- Clerical or 9058- Hotel Restaurant and Food Service.

Examples of workers that would fall under this classification include front desk staff, managers, bellhops, reservation staff, housekeeping, maintenance staff, sales, drivers, store workers, laundry staff and garage employees.

Hotels and resorts that have country club operations with employees that work exclusively at the country club should be separately rated under class code 9060-Country Clubs and Golf Courses.

Class Code 9058
Hotel- Restaurant Employees

When a hotel, motel, etc. directly manages a restaurant within the facility, and the employees are hired and paid by hotel, these food employees should be classified under the 9058 code. This class includes cooks, wait staff, bartenders, hosts, dishwashers, and restaurant managers.

If a hotel or motel leases or sublets space to a separate restaurant operator or business entity, employees should be classified under the appropriate restaurant class code.

Class Code 9044
Hotel- Casino Gambling

Hotel or motel operators that offer legalized gambling on the hotel premises should be separately rated under code 9044. This class includes all gambling hotel staff in a similar fashion to class code 9052.

Alternative State Class Codes for Hotel:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Related: hotel, motel, inn, motor court, cabin rental, rooming house, boarding house, fraternity house, sorority house, workers dormitories.

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licensed throughout the United States

How Does Workers' Comp Work?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers’ comp policy is a no-fault system that pays for these accidents and claims. It’s required by law in most states.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

How Much Does Hotel Insurance Cost?

The average rate our customers pay for workers’ compensation under the hotel class code is around $2.29 per $100 of payroll. The average cost for a general liability insurance policy is about $7,800.00.

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of hotel/motel work can modify rates
  • Premium discounts and policy credits may apply
  • GL rates are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of facility matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC code 7011

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We've developed affordable insurance programs for Hotels.