Hotel & Motel Insurance Inspections

TFS helps underwriters evaluate lodging risks with detailed, consistent inspections and clear, actionable reporting.

Guest Safety Review

Evaluate conditions that impact guest safety and premises liability.

Property & Premises Details

Document key property and operational characteristics.

Amenity Exposure Review

Assess recreational features and associated liabilities.

Underwriter-Focused Reporting

Deliver clear, consistent reports to support confident decisions.

What We Review

Our inspections cover the key exposures and operational factors that matter most to underwriting.

Hotel and motel operations inspection review

Hotel / Motel Operations

  • Room rental sales
  • Restaurant food sales
  • Restaurant alcohol sales
  • Total sales
  • Years of experience
  • Years under current ownership
  • Average rate per night
  • Average occupancy percentage
  • Total number of rooms
  • Short-term room rental exposure
  • Weekly or monthly room rental exposure
  • Long-term rental percentage
Hotel guest room and premises inspection review

Guest Room & Premises Details

  • Kitchens in guest rooms
  • Communal restrooms
  • ADA compliance where required
  • Employees allowed firearms on premises
  • Exterior doors with peepholes
  • Floor plans with evacuation routes in guest rooms
  • Guest access and premises safety
  • Property maintenance and operational controls
Hotel amenities and recreation inspection review

Amenities & Recreation

  • Playground equipment
  • Safety signage
  • Equipment anchored securely
  • Impact-absorbing ground material
  • Maximum equipment height
  • Fenced playground areas
  • Exercise facilities
  • Equipment maintenance plans
  • Rental equipment
  • Lakes, ponds, beaches, docks, or piers
Additional hotel and motel supplemental inspection review

Additional Supplements That May Apply

  • Restaurant or cooking supplement for food service
  • Liquor exposure review if alcohol is sold
  • Swimming pool supplement if there is a pool
  • Habitational or lessors concerns for long-term tenants
  • Additional exposure review for recreational amenities

Why It Matters for Underwriters

Identifies Guest & Premises Liability Exposures

Pinpoints hazards and conditions that could lead to claims.

Documents Property & Operational Conditions

Provides a clear picture of how the property is run and maintained.

Highlights Amenity-Related Risks

Evaluates recreational features for potential liability impact.

Supports Clearer Underwriting Decisions

Delivers consistent, reliable data to inform pricing and terms.

Have questions about a lodging risk?

Our team is ready to help.

Talk to Our Team