Workers' Comp Insurance for Hotels

Policies for Hotels, Motels and Country Clubs

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Why do Hotel employees need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Common hotel worker injuries

Slips and falls: Wet surfaces in bathrooms, showers, and bathtubs can lead to slips and falls.
Strains and sprains: Lifting mattresses, pushing carts, and awkward bending can cause strains and sprains.
Chemical exposure: Prolonged use of cleaning agents can lead to chemical burns and respiratory issues.
Repetitive motion injuries: Tasks like wiping surfaces or using hand-pump bottles can cause repetitive stress injuries.
Stress and trauma: Workload pressure and workplace stress can lead to injuries like contusions, fractures, or mental strain.

Common types of Hotel employee workers we can insure

Bed and Breakfasts

Hotel Employees

Motels

Restaurant Employees in a Hotel

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Hotels workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Hotel employee Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Hotel employees cost?

On average, workers' compensation insurance per hotel employee costs $69 per employee or $1.65 per $100 of payroll.

For more detailed information on how much workers' compensation insurance will cost for your hotel, read Workers’ Comp Rates for Hotel 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Hotels

**Most states follow these NCCI codes. For more details on class codes, or to see if your state is one of the few that uses different codes, visit this detailed guide: Workers’ Comp Class Codes for Hotels

9052 - Hotel: All Other Employees & Salespersons, Drivers

9058 - Hotel: Restaurant Employees

Don't see your business classification?
We're here to help. Call 866-338-8823.

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Helpful tips to save money

Choosing insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Hotel employee Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Hotel employee Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Hotel employees

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

I hire third-party contractors for repairs at my hotel. Can my insurance cover them?

Yes, but be prepared to pay an additional premium to cover their wages. The best practice is to hire vetted, insured contractors for maintenance and repairs—and always collect their Certificates of Insurance. This ensures you're protected without unnecessary costs.

I operate a hotel franchise, and corporate is requiring me to obtain a Waiver of Subrogation. What is that, and how do I get it?

A Waiver of Subrogation (WOS) prevents your insurance company from suing your franchisor after paying a claim. You can get a WOS by requesting it from your insurance provider. It can be applied to either all contracts (Blanket WOS) or specific ones (Specific WOS). Costs vary, so check with your provider for details.

State laws on Workers' Comp for Hotel employees

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Hotel employees?

Yes, we can help with that too!

Learn more about Hotel employee Insurance

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Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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