Hotel & Motel Insurance San Antonio, TX | David Ison Insurance

San Antonio, Texas Hotel / Motel Insurance

Hotel & Motel Insurance in San Antonio, Texas

Proudly serving San Antonio hospitality businesses since 1978.

Owning or operating a hotel or motel comes with constant exposure to risk. From guest injuries and property damage to employee issues and business interruptions, one incident can impact your operations and revenue.

At David Ison Insurance, we’ve been helping San Antonio hotel and motel owners protect their businesses for over four decades. Whether you manage a small roadside motel or a larger hospitality property, we’ll build coverage tailored to your risks and operations.

Call 210.490.1494 for a fast, no-hassle quote.

What Is Hotel & Motel Insurance?

Hotel and motel insurance is a customized package of coverages designed to protect hospitality businesses.

This includes protection for:

  • Buildings and property
  • Guest-related liability
  • Employees and operations
  • Business income

Here’s what that looks like in real life:

  • A guest slips and falls on your property
  • Property is damaged by fire or severe weather
  • Theft or vandalism occurs
  • A guest’s belongings are damaged or stolen
  • Your business must close temporarily after a loss

Why Hotel & Motel Insurance Matters in San Antonio

San Antonio’s tourism and business travel create strong demand—but also increased exposure.

Common risks include:

  • Guest injuries
  • Property damage
  • Theft and vandalism
  • Employee-related incidents
  • Business interruptions

Here’s the reality:

  • Liability claims can exceed six figures
  • Property damage can cost tens or hundreds of thousands
  • Lost income from closures can significantly impact your business

Proper coverage helps keep your operation running and protected.

Key Coverages for Hotels and Motels

General Liability Insurance

Covers bodily injury and property damage claims from guests or visitors.

Commercial Property Insurance

Covers buildings, furniture, fixtures, and equipment.

Business Interruption Coverage

Covers lost income if your property is unable to operate after a covered loss.

Workers’ Compensation

Covers employee injuries and lost wages.

Commercial Auto Insurance

Covers vehicles used for business operations.

Commercial Umbrella Insurance

Provides additional liability protection above your base policies.

Crime Coverage

Covers theft, employee dishonesty, and related losses.

Who Needs Hotel & Motel Insurance?

We work with:

  • Hotel owners
  • Motel operators
  • Boutique hotels
  • Extended stay properties
  • Franchise hotel operators
  • Independent hospitality businesses

If you operate a lodging business, you need specialized coverage.

How Much Does Hotel & Motel Insurance Cost?

Pricing depends on:

  • Property size and value
  • Number of rooms
  • Location
  • Amenities and services offered
  • Claims history
  • Coverage limits

Typical range:

  • Varies widely depending on size and risk

How We Customize Your Coverage

We tailor your policy based on your property and operations.

We help you:

  • Identify risks specific to hospitality
  • Choose the right coverage combinations
  • Avoid gaps in protection
  • Meet lender and franchise requirements

Why Choose David Ison Insurance?

We’ve been serving San Antonio since 1978.

We understand hospitality risks and how to properly structure hotel and motel insurance coverage.

When you work with us, you get:

  • Local expertise
  • Access to multiple carriers
  • Customized coverage solutions
  • Fast, responsive service
  • A team that understands your business

We are not a call center. We are right here in San Antonio.

Real Results for Real Hospitality Businesses

Case Study #1: Guest Injury Claim
Slip-and-fall incident covered under liability policy.

Case Study #2: Property Damage
Fire damage covered, allowing business to recover.

Case Study #3: Theft Loss
Theft incident covered under crime policy.

Case Study #4: Coverage Review
Improved coverage and corrected gaps in protection.

Serving San Antonio and Surrounding Areas

San Antonio
Castle Hills
Bulverde
Timberwood Park
Hollywood Park
Boerne
Leon Valley
Alamo Heights
Schertz
Stone Oak
Cibolo
Universal City
Converse
Selma
Live Oak

Get a Hotel & Motel Insurance Quote Today

If you own or operate a hotel or motel, protecting your property and guests is essential.

At David Ison Insurance, we make it easy to build the right insurance coverage for your hospitality business.

Call 210.490.1494 or request a quote today.