Complete Insurance for Nevada Hotels, Motels & Vacation Rentals

Specialized coverage for the hospitality industry including general liability, property, liquor liability, and business interruption for hotels and resorts. Family Insurance LLC writes hospitality & hotels insurance across Nevada, Utah and Minnesota, comparing 10+ A-rated carriers. Call (702) 764-9951 for a quote.

Coverage	Hospitality & Hotels Insurance
Category	Commercial Insurance
States available	Nevada, Utah, Minnesota
Who it's for	Hotels and resorts; Motels and extended stay; Bed & breakfasts
Carriers shopped	10+ A-rated carriers
Phone	(702) 764-9951

Overview

Las Vegas is the hospitality capital of the world, and Nevada hotels, motels, and vacation rentals face risks that most businesses never encounter. With millions of guests annually, the liability exposure for guest injuries, property damage, and liquor-related incidents is enormous.

Beyond the Strip, boutique hotels, bed & breakfasts, and Airbnb-style vacation rentals across Nevada need tailored coverage that addresses guest safety, property protection, and regulatory compliance.

Family Insurance works with hospitality-focused carriers who understand the unique risks of rooms, restaurants, pools, spas, event spaces, and 24/7 operations. We build programs that protect your property and your guests.

Who needs this coverage

• Hotels and resorts
• Motels and extended stay
• Bed & breakfasts
• Vacation rentals and Airbnb hosts
• Event venues and banquet halls
• Casino-adjacent hospitality

What's included

• Guest injury liability protection
• Property and contents coverage
• Liquor liability for bars and restaurants
• Business income during closures
• Pool and spa liability coverage

Coverage details

• General Liability: Covers guest slip-and-fall injuries, pool accidents, elevator incidents, and property damage claims throughout your facility.
• Property Coverage: Insures your building, furnishings, linens, kitchen equipment, and guest amenities against fire, flood, theft, and vandalism.
• Liquor Liability: Covers claims arising from alcohol service at your hotel bar, restaurant, or events — including over-service and underage drinking incidents.
• Business Interruption: Replaces lost room revenue and covers ongoing expenses when a covered event forces you to close or reduce capacity.
• Workers' Compensation: Required coverage for housekeepers, front desk staff, maintenance crews, kitchen workers, and all hotel employees.
• Cyber Liability: Covers credit card data breaches, guest information theft, and PCI compliance failures.

Common endorsements

• Valet parking liability
• Event and banquet coverage
• Bed bug remediation
• Guest property legal liability

Frequently asked questions

Does my hotel insurance cover guest belongings?

Standard hotel policies have limited guest property coverage. Nevada law limits innkeeper liability, but we can add guest property legal liability coverage for higher limits.

Do I need separate liquor liability if I have a hotel bar?

Yes — standard general liability policies exclude liquor liability for businesses that sell alcohol. You need a separate liquor liability policy or endorsement.

What about vacation rental properties?

Short-term vacation rentals need specialized coverage that homeowner's insurance doesn't provide. We offer policies designed for Airbnb, VRBO, and private vacation rental properties.

Family Insurance LLC · 7318 West Post Rd Ste 202B, Las Vegas, NV 89118 · (702) 764-9951 · info@familyinsurancellc.com