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Like all hotels, boutique hotels need multiple insurance coverages, but they may also need additional coverages such as property insurance for refurbished historic properties.

“Don’t just provide hotel owners a quote on insurance. They aren’t risk experts,” says independent agent Mike Barnum. “Help them identify their largest exposures and what can be done to minimize them outside of insurance.”

Independent agent Donny Chartier does not write any hotel/motel policies without employment practices liability insurance for two reasons: sexual harassment and age discrimination. “Right now, it’s the most important coverage a hotel owner can have,” he s