New Hampshire Hotel Insurance

So you can coast through finding the best coverage.

Insurance doesn’t have to be boring. That’s why we hired Sara East to be our BA insurance writer. Maggie specializes in making mundane subjects hella-entertaining.

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.

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Our independent agents shop around to find you the best coverage.

The time has come for you to open the doors to your brand-new hotel in New Hampshire. Your pillows are fluffed and your minibars are stocked, the only thing you're missing is protection for your business. Hotel insurance can feel overwhelming, but it is a necessary step to keeping your doors open for years to come. Luckily, that's where our independent insurance agents come in. They'll break down the variety of hotel insurance options in New Hampshire. Whether you're running a boutique-style hotel in the city or offering a beach getaway on the coast, they'll get you set up with all the protection you need. But before we get ahead of ourselves, let's start with an overview of hotel insurance.

What Is Hotel Insurance?

In short, hotel insurance is a set of policies designed to cover all the tricky little components involved in your hotel's operation, from your property (i.e., the building, furniture, etc.) and employees, to services offered, and your guests. Obviously, all hotels offer different amenities and frills (or lack thereof), and your business's unique assortment of risks will demand coverage tailored specifically to you.

What Types of Hotel Businesses Need Insurance?

The easy answer is: all of them. Every business should have its property and employees protected. And in your line of work, dealing with as many customers as you do, it’s extremely important to keep your business going strong. Our independent insurance agents can help all types of hotel businesses, including:

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Our independent agents shop around to find you the best coverage.

Why Do I Need Hotel Insurance in New Hampshire?

Whether they're trying to visit all 90 state parks, get a taste of the Conway Scenic Railroad, or experience Seacoast, there are plenty of reasons that tourists need quality lodging when they land in New Hampshire. But being a coastal state with a variety of climates and landscapes, New Hampshire receives its fair share of love from Mother Nature. Hotel owners have to worry about everything from hurricanes and tornadoes to ice storms and wildfires. All of these contribute to the most common insurance claims in the state. 

With the proper coverage in place, however, you can help minimize your risks and protect your hotel from unexpected catastrophes.

What Does Hotel Insurance Cover?

A hotel insurance policy is typically the easiest route to take when it comes to navigating the right coverage for your business. This package offers most of the liability and property coverage you'll need, and your independent insurance agent can hook you up with any additional coverage your business needs, depending on your scope of services.

Your hotel insurance package will be assembled by selecting the coverages that work for your unique business from a comprehensive list of available options. Coverage limits define the maximum amount an insurance company will pay out for financial losses. Coverage applies to everything from lost business revenue to potential legal/court fees.

How Much Does Hotel Insurance Cost in New Hampshire?

Short answer? It depends. On a lot. An older inn near the coast might pay around $5,000/year. But a fancy high-rise hotel just a few miles away might pay as much as $1,000,000/year. To make things even more interesting, if these same two hotels were located just 10 miles further inland, their premiums might drop by half. In another state altogether, further away from the coast, the tiny one might pay $1,200/year, while the big one might pay $150,000/year. Really, it all depends on a (large) number of factors, like:

Save on Hotel Insurance

Our independent agents shop around to find you the best coverage.

Top 5 Ways to Score Hotel Insurance Discounts in New Hampshire

Every business owner loves to save a buck or two wherever they can. And fortunately, there are some strategies available that may help you to significantly lower your premium, like:

Compare New Hampshire Hotel Insurance Quotes with an Independent Insurance Agent

We all know how valuable your time is, so why spend it doing all the hard work yourself? From insurance packages to add-on policies, our wise and helpful independent insurance agents will help you determine which types of coverage make the most sense for you. Our independent insurance agents stay on top of the industry and all the latest discounts so you don’t have to. That means they’ll help find the right coverage at the right price for you. They’re not just there at the beginning, either. If disaster strikes, your agent will be there to help walk you through the claim process and make sure you are getting the benefits you're entitled to. Now that’s thinking ahead.

https://www.nationalgeographic.com/travel/destinations/north-america/united-states/new-hampshire/what-to-do-in-new-hampshire-now/

https://www.nh.gov/safety/divisions/hsem/NaturalHazards/

Trusted Choice was very helpful. I was needing some business insurance, and they gave me several different options and potential companies to call. It was very easy and they provided a really good service.

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