Hotel and Motel Insurance

Are You Properly Protected?

At American Heritage Insurance Group, we’ve spent over 20 years protecting hotels and motels from the risks that keep owners up at night. Our hospitality team includes dedicated specialists with knowledge of the companies offering insurance for hotels and motels and we will shop every available market to find you the best coverage at competitive rates.

American Heritage Insurance Group offering you expert guidance and personal service when you need it most.

Why Hotel and Motel Owners Choose
American Heritage Insurance Group

You Get a Hospitality Insurance Specialist,
Not a Generalist

Your dedicated advisor is a former hotel owner and AAHOA (Asian American Hotel Owners Association) Ambassador who understands the unique exposures of running lodging properties – from guest injuries to business interruption.

We Shop All Providers on Your Behalf

Unlike captive agents tied to one carrier or generalists with no experience insuring hotels and motels, we compare coverage and pricing across every major insurance provider to find you the best value without sacrificing protection and will satisfy the requirements of your franchise agreement or bank loan.

Personal Claims Support When Disaster Strikes

When you file a claim, you reach your dedicated specialist directly – not a 1-800 claims center. We advocate for you throughout the entire process and make sure that your situation is addressed as quickly as possible and the impact on your operation is minimal.

Over 20 Years Protecting Hospitality Businesses

Since 2001, we've helped independent motels, franchised hotels, and destination resorts navigate complying with franchise agreements and bank requirements, complex ownership changes, and catastrophic claims (like hurricanes and fires).

We Insure All Types of Hotels and Motels

From boutique properties to full-service hotels, we’re experienced placing coverage for diverse lodging operations across the hospitality industry.

Full-Service Hotels with Restaurants and Lounges
Hotels with Indoor Waterparks
Extended Stay Hotels with Kitchenettes
Pet-Friendly Properties
Motels with Smoking Rooms
Exterior Entrance Motels with Only A Few Rooms
Older Hotels and Historic Properties
Properties with Guest Shuttles

If your property has unique features or risks, we have the carrier relationships to find you coverage.

Licensed to Protect Hotels and Motels Across the Nation

American Heritage Insurance Group is licensed and actively writing hotel and motel insurance policies across the United States.

We Have The Ability To Offer Coverage In The Following States:

American Heritage Group offers licensed insurance solutions across the continental U.S. (Excluding Alaska and Hawaii)

High-Limit Umbrella Coverage

We've placed Umbrella Policies with limits up to $25 million for hospitality clients.

Specialized Coverages Available

Workers' Compensation, Cyber Insurance, Employment Practices Liability, Liquor Liability, Business Interruption, and Shuttle Vehicle Coverage

Comprehensive Hotel and Motel Insurance Coverage

Whether you own or operate an independent roadside motel, a franchised hotel, or a full-service destination resort, we structure insurance our insurance programs to protect your property, guests, employees and revenue.

Property Insurance Protect your buildings, guest rooms, furnishings, kitchen equipment, pools, and physical assets from fire, storms, theft, vandalism, and mechanical breakdown.
General Liability Insurance Cover legal liabilities for guest slip-and-falls, food poisoning claims, premises accidents, and property damage that occurs on your grounds.
Business Interruption Insurance Stay financially secure if fire, storm damage, or covered events temporarily halt operations. Recover lost income and cover ongoing expenses like payroll and loan payments during repairs.
Workers' Compensation Protect your housekeeping, front desk, and maintenance staff with required workers' compensation coverage while ensuring compliance with state regulations.
Additional Coverage Options Liquor Liability (for on-site bars/restaurants), Cyber Insurance (guest data breaches), Employment Practices Liability, Umbrella Insurance, and specialized endorsements for pools, spas, and event spaces.

Protecting the World’s Top Hospitality Groups

We work with Choice Hotels, Wyndham, IHG, and more. Get your custom insurance proposal today.

Real Protection. Real Results. Real Peace of Mind

Here’s what hotel and motel owners say about working with American Heritage Insurance Group:

“American Heritage Insurance Group, along with Robin and his account manager, have been providing property and liability insurance for our motels for 5+ years now. We like communicating with Robin, as he always has the best interest for our motels when it comes to coverage and premiums.”

Hotel Owner, Mason, OH

“American Heritage Insurance Group always educates me on the best coverages and finds me the best premiums within the resources at renewal. Call Robin Patel and let him and his team take care of your hotel and motel coverages.”

Multi-Property Motel Owner, Detroit, MI

How We Saved a Hotel from Major Loss After Burst Pipes Flooded the Lobby

On-site within an hour. Zero downtime. Full restoration. See how fast response and proper coverage protected this hotel during a recent winter storm.

What Happens When You Contact Us?

Step 1:
Quote Comparison

Your hospitality specialist shops every major carrier to find coverage that fits your property type, guest volume, and risk profile.

Step 2:
Clear Recommendations

We present your options in plain English – explaining what you're covered for, what you're not, and why we recommend specific coverage levels.

Step 3:
Ongoing Support

Policy changes, claims assistance, certificate requests – you call your specialist directly. No phone trees, no runaround.

Protect Your Investment. Protect Your Peace of Mind.

You’ve built your business on hospitality and service. Let us handle your insurance so you can focus on what matters: creating exceptional experiences for your guests.