Hotels • Motels • Hospitality

We'll fight to win your hotel's insurance — this year and every year after.

Hospitality premiums jumped this year — and many carriers limit or decline hotels. We put 20+ that write them in competition to beat yours, and a real broker answers when you call.

Straight talk

We paid about $300 to get you to this page, and we intend to earn it. That’s why a real broker from Johal Insurance Brokers will call you back within one hour of submission. You won’t get a hundred calls from random brokers. You’ll get one call from us, and we’ll handle everything start to finish. Let’s get you saving on your property. Drop your info to the right.

A real broker calls you within the hour
The Commercial Property Owner's Guide to Insurance Costs →
🧮 Estimate Your Property Premium →
See how much you can save
Four fields. No long form. A real broker reviews it and calls you within the hour.
No spam. No robocalls. One licensed broker calls you within the hour. CA, TX, IL & MO risks only.

How to Get the Fastest Quote Possible

If this is a brand new purchase, you can ignore this. But if you already have existing coverage, contact your current insurance company and request something called a loss run. It will be emailed to you and must be submitted when we quote. We recommend getting it now — whether you go with us or shop elsewhere, any broker will need it. This is one of the biggest things that slows down getting a property quote.

Sixty seconds to twenty carriers fighting for you

Three steps. One real broker. No call center, no runaround.

1Tell us about your hotel

The quick form above — four fields, that’s it.

2We shop 20+ A-rated carriers

A real broker puts carriers in competition for your business.

3You pick the winner

A broker calls you within the hour with your options and straight advice.

Why a broker beats a single carrier

Every name below sells you one policy — take it or leave it. We work for you, not a carrier, so we put all of them plus more A-rated companies in competition for your hotel and make them fight over your price. Competition is how premiums come down.

They sell one policybiBERKHiscoxGEICOTravelersThe HartfordLiberty MutualChubbNationwideProgressiveState FarmAmTrustGuardWe shop them all + more They sell one policybiBERKHiscoxGEICOTravelersThe HartfordLiberty MutualChubbNationwideProgressiveState FarmAmTrustGuardWe shop them all + more

What actually drives your hotel or motel rate

Hospitality premiums are up across the board. If your renewal spiked or a carrier pulled out, that’s exactly when shopping 20+ carriers pays off most. These are the levers underwriters price on:

  • Rooms & occupancy — room count and occupancy rate set the exposure baseline.
  • Franchise/flag vs independent — flags carry program requirements and inspections.
  • Amenities — pools, restaurants, bars, gyms and event space each add liability (a bar means liquor liability).
  • Construction, age & updates — frame versus masonry and roof/system update years.
  • Liquor liability & special events — required if you serve alcohol or host events.
  • Claims history — clean loss runs earn preferred hospitality pricing.
  • Business interruption — lost income after a covered loss, critical for an operating hotel.
  • Valuation — Replacement Cost versus Actual Cash Value on the building and contents.

A complete hotel program should cover property, general liability, business interruption, liquor liability, workers comp, commercial auto, umbrella, cyber and equipment breakdown.

Commercial property insurance costs vary widely by building type, location, and risk factors. Our clients typically save $300 to $800 per month by working with us. We shop multiple A-rated carriers, negotiate discounts on construction class, sprinklers, roof age, and occupancy, and help you avoid costly coverage gaps. See the full cost guide for your property type.

View Full Cost Guide
Hotel Insurance 101 →

Who we insure

Hotels, motels, inns and hospitality properties — franchise and independent — across California, Texas and Illinois.

We answer when you call — and we fight at renewal

We pick up when you call. We fight for your price at renewal, not just year one. And we tell you the truth even when it costs us the sale. If your current price is fair, we’ll say so. If you’re overpaying, we’ll show you by how much.

Ready to see what 20+ hospitality carriers will do for your hotel?

One licensed broker calls you within the hour. No call center.

See How Much I Can Save