
Learn which hotel safety upgrades can lower your insurance premiums while protecting guests, staff, and your property.
We Do the Work, You Reap the Savings
Gain access to unique insurance programs that provide comprehensive protection against a wide range of risks.
Access to knowledgeable insurance specialists who understand the unique needs of the hotel industry.
Tailored insurance solutions that meet the specific requirements of your hotel.
Discover BDI’s Exclusive Hotel Insurance Programs
At BDI, we offer more than just insurance—we deliver peace of mind. With over 40 years of expertise in hotel insurance and a legacy that spans more than a century, we grant you access to unparalleled market opportunities and exclusive programs that set us apart. When it comes to protecting your hotel, our comprehensive coverage ensures you’re safeguarded from every angle.
Provide us with some basic information about your hotel and your insurance needs.
This helps us understand how we can best serve you.
Our experts will review your information and create a customized insurance plan tailored specifically to your hotel's unique requirements.
Implement your tailored plan and ensure that your hotel is comprehensively protected, allowing you to focus on growth and guest satisfaction with confidence.













At BDI, we understand the unique challenges hotel owners face. Our specialized insurance solutions are designed to protect your business from the unexpected, ensuring peace of mind and financial security.
Since 1911, BDI has been a trusted name in insurance, providing expert solutions for over a century. We have decades of experience in writing hotel insurance policies, understanding the unique challenges hotel owners face. Our specialized insurance solutions are designed to protect your business from the unexpected, ensuring peace of mind and financial security.
From liability to property protection to business interruption, hotels require a range of insurance coverages to safeguard their business and ensure peace of mind. Explore the essential policies every hotel should have.
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Protects against claims of bodily injury, property damage, and personal injury occurring on hotel premises.

Covers physical assets like buildings, equipment, and inventory from damage due to events like fire, theft, and natural disasters.

Provides coverage for vehicles owned and operated by the hotel for business purposes.

Covers the repair or replacement costs for essential hotel equipment, such as HVAC systems, boilers, and electrical systems, in the event of mechanical or electrical failure.

Offers benefits to employees for work-related injuries or illnesses, covering medical expenses and lost wages.

Covers the costs associated with data breaches, cyberattacks, and other digital threats to the hotel's information systems.

Provides additional liability coverage beyond the limits of your existing policies, covering costs that exceed the limits of general liability, auto liability, and workers' compensation.

Provides coverage for claims related to the sale or serving of alcoholic beverages, protecting the hotel from liability in incidents involving intoxicated guests.

Compensates for lost income and operating expenses if the hotel is temporarily closed due to a covered event.
Insuring hotels has become increasingly difficult due to several factors. The effects of COVID-19, labor shortages, high vacancy rates, and more severe weather have led to higher rates, stricter underwriting, and increased deductibles.

Hotels most affected by these challenges include:
We Can Help
With decades of experience, we specialize in helping hotel owners secure quality insurance. We offer tailored solutions for both large, high-end hotels and smaller establishments facing current market challenges. Whether you're an established business or a new venture, we have the expertise to assist you.
Start your quote online or give us a call to discuss your insurance needs today.
Our team is dedicated to providing exceptional insurance solutions tailored specifically for hotels. Our experts bring a wealth of knowledge and a deep understanding of the unique challenges faced by hotel owners.

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Hotels typically need a combination of coverages to protect against various risks. Essential policies include Commercial General Liability, Commercial Property Insurance, Workers’ Compensation, Business Interruption Insurance, and Cyber Liability. Additional coverages like Liquor Liability, Garagekeepers Liability, and Equipment Breakdown Insurance may also be necessary depending on the specific operations of your hotel.
You can lower premiums by implementing robust risk management practices, maintaining a good claims history, installing safety features like fire alarms and sprinklers, and working with an experienced insurance broker to find the best rates and coverage options
Yes, if your hotel handles guest information electronically, Cyber Liability Insurance is crucial. This coverage protects against data breaches, cyber-attacks, and the associated financial impacts
The cost of hotel insurance depends on several factors, including the size and location of the hotel, type of operations, claims history, and the level of coverage required. Hotels in high-risk areas or those with extensive amenities may have higher premiums
Yes, some insurance providers offer discounts for hotels with good claims histories, safety certifications, or those that implement risk management technologies. Discuss potential discounts with your insurance provider to see if you qualify.
The cost of hotel insurance depends on factors like the size and location of the hotel, type of operations, claims history, and the level of coverage required. Hotels in high-risk areas or those with extensive amenities may have higher premiums.
The amount of liability coverage depends on the specific risks associated with your hotel. Hotels in high-crime areas or those with more extensive amenities may need higher coverage limits. It’s important to assess your hotel’s unique risks with your insurance provider.
"We've been with BDI since 2010. We have a good working relationship and we continue to work with BDI on all our projects. The main thing we like about them is that they provide personal relations, not just policy writing. Anytime we have questions about insurance, they explain in detail what it all means and how it would affect us moving forward. They keep up with expiration dates, shop around for the best insurance premiums, and give us the best deal possible in the market.
Mike Patel
A & M Developers
"Working with Barnard Donegan Insurance has been an exceptional experience. Their knowledgeable team took the time to understand our unique needs and provided us with comprehensive insurance solutions that perfectly fit our hotel operations. Their dedication to customer service and attention to detail is unparalleled. We couldn't be happier with the coverage and support we've received."
AJ Patel
A & M Developers
At BDI, we understand that your hotel's insurance needs can change over time. That's why we offer a complimentary policy review service. Our experienced insurance specialists will assess your current coverage, identify any gaps, and recommend adjustments to ensure you have the best protection possible. Schedule an appointment today to discuss your existing policies and discover how we can help safeguard your hotel from unexpected risks.

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