Coverage for Central Valley hotels, motels, and hospitality
Lodging businesses carry guests, property, food and alcohol, and round-the-clock operations all at once — a generic policy leaves real gaps. Insurance City is a local independent brokerage that builds hospitality programs for hotels and motels across the region, including the I-5 and Highway 99 corridors.
What hospitality coverage includes
- Commercial property — building, furniture, fixtures, and equipment.
- General liability — guest injury and premises claims.
- Liquor liability — if you have a bar, restaurant, or serve alcohol.
- Business interruption — income protection after a covered loss.
- Workers’ compensation and commercial/shuttle auto.
Why operators work with us
We’re independent, so we shop your property across major commercial carriers instead of one company’s box — and there are no broker fees on standard policies. We size the program to your number of rooms and amenities and explain the exclusions up front. Bilingual (English / Español) and local to Stockton.
Get a hospitality quote
Tell us your property, rooms, and amenities, and we’ll put together comparative quotes across carriers. Call (209) 670-1556 or request a quote below.
Frequently Asked Questions
What insurance does a hotel or motel need?
Commercial property, general liability, liquor liability if you serve alcohol, business interruption, workers' comp, and commercial or shuttle auto.
Why does hospitality need specialized coverage?
Lodging combines guests, property, food and alcohol, and around-the-clock operations — a generic policy leaves real gaps.
How is the program sized?
To your number of rooms and amenities; we shop it across carriers with no broker fees on standard policies.
Insurance City offers comparative quotes on Hotel & Motel Hospitality Insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you Just request a quote to find out.