Hotel & Motel Insurance in Englewood and Across Colorado
Your hotel never closes, and neither do its risks. Guests check in around the clock, employees lift, clean, cook, and repair, and a single storm, fire, or lawsuit can put rooms out of service for months. At Johnson Insurance Agency, we help Colorado hotel and motel owners build insurance programs that protect the building, the business, the guests, and the people who keep it running.
Johnson Insurance Agency is a family-owned insurance agency based in Englewood, serving Colorado businesses since 2001, including hotel and hospitality owners. We’ve helped hundreds of owners protect franchised and independent properties, and we insure hotels and motels in Colorado and across the United States through hotel-specific insurance programs, a large broker affiliation, and direct carrier contracts. That access lets us match your property with the right coverage at a competitive price, whether you own a 20-room roadside motel, a boutique hotel downtown, a franchise property off I-40, or a cabin resort in the Smokies.
30+
Years insuring hotels and hospitality properties
100s
Of hotel and motel owners protected
50 States
Nationwide coverage from our Englewood office
24 Hours
Typical turnaround to contact you about your quote
We Insure All Types of Hotel Properties
Every lodging property has its own mix of risks. Whether you fly a national flag or run an independent inn, we tailor coverage to your building, your amenities, and your guests.
Franchised Hotels
Marriott, Hilton, IHG and Holiday Inn, Best Western, Choice, Wyndham, and every major brand. We build programs that meet your franchise agreement's required coverages, minimum limits, and additional insured wording so you stay in compliance at every renewal.
Independent Hotels
Locally owned and operated hotels have unique needs and no corporate insurance program to lean on. We compare hospitality carriers to find property, liability, and business income coverage that fits your building and budget.
Motels
Roadside motels, motor lodges, and budget properties with exterior corridors face their own security, liability, and property risks. We know which carriers want this business and how to present your property for the best terms.
Extended Stay Properties
Suite hotels and extended stay facilities with in-room kitchens and longer guest stays need coverage that accounts for cooking fire exposure, tenant-like occupancy, and guest property kept on site for weeks at a time.
Boutique Hotels
Unique, upscale, and historic properties often need specialized coverage, from ordinance or law protection for older buildings to higher limits for restaurants, bars, rooftop spaces, and event venues.
Bed & Breakfasts
Small inns and B&Bs with personalized service blend a home and a business. We make sure the owner's residence, guest rooms, breakfast service, and special events are all properly covered under the right policy.
What Does Hotel Insurance Cover?
A complete hotel insurance program combines several coverages, each built for a different risk. Most Colorado properties need a combination of the following:
- Commercial property for your building, furniture, fixtures, linens, and equipment against fire, wind, hail, theft, and vandalism, insured to today's replacement cost.
- Business interruption to replace lost income and pay continuing expenses like payroll and loan payments when a covered loss closes rooms.
- General liability for guest and visitor injuries, from slips in the lobby to accidents at the pool, including legal defense costs.
- Innkeepers liability for guests' luggage and valuables in your care.
- Liquor liability if you have a bar, restaurant, or serve alcohol at events.
- Workers' compensation for housekeeping, maintenance, front desk, and kitchen employees injured on the job.
- Commercial auto and garagekeepers for shuttles, maintenance vehicles, and valet parking.
- Equipment breakdown for HVAC, boilers, elevators, and commercial laundry equipment.
- Cyber liability for data breaches and ransomware that hit reservation and payment systems.
- Employment practices liability, crime, and commercial umbrella to round out your protection.
Coverage for Every Type of Lodging Property
No two properties have the same risks. We insure a wide range of lodging businesses across Englewood, the Denver metro area, Colorado's mountain resort towns, and the rest of the state, including:
- Independent and franchise hotels
- Roadside and exterior-corridor motels
- Boutique and historic hotels
- Extended-stay properties
- Cabin rentals and mountain resorts
- Bed and breakfasts and inns
Franchise properties often have specific coverage and limit requirements in their franchise agreements, and older buildings may need ordinance or law coverage to rebuild to current code. We review your agreements, lender requirements, and building details so nothing falls through the cracks, and we help you protect guests with sound risk management for pools, parking lots, and amenities. Learn more about reducing guest injury liability.
Lower Your Premiums and Protect Your Team
The best insurance program is one you rarely need to use. We help hotel owners control costs and prevent losses with practical guidance on:
- Lowering premiums through maintenance records, fire protection, roof updates, and smarter deductibles.
- Workplace safety for housekeeping, maintenance, laundry, and kitchen staff.
- Workers' compensation claims handled quickly and correctly under Colorado rules.
- Storm, fire, and business interruption planning.
- Cyber protection for guest data and reservation systems.
And when something does go wrong, we're there to help you file, document, and follow your claim through to resolution. Here's how to handle a hotel insurance claim.
Common Questions About Hotel Insurance
Answers to the questions Colorado hotel and motel owners ask us most.
