What insurance does an Oregon hotel or inn need?

Oregon hotels and inns typically need: commercial general liability, commercial property, business interruption, liquor liability if serving alcohol, workers compensation, cyber liability for guest data, and often an umbrella policy. Vacation rentals have additional unique coverage needs.

Does my homeowners insurance cover my vacation rental in Oregon?

No. Standard homeowners insurance excludes commercial activities including vacation rentals. If you rent your property on Airbnb, VRBO, or similar platforms, you need a vacation rental insurance policy or a landlord policy that specifically covers short-term rentals.

What is innkeeper's liability insurance?

Innkeeper's liability is a specialized coverage for hotels, motels, and bed and breakfasts that covers claims from guests for property damage or loss while staying at your property. It also covers claims related to the safety and security of your premises. This coverage is typically included in a hospitality commercial package policy.

How much does hotel insurance cost in Oregon?

Oregon hotel and hospitality insurance costs vary significantly based on the size of your property, number of rooms, revenue, and whether you serve alcohol. A small B&B might pay $3,000 to $8,000 per year while a large hotel could pay $50,000 or more. Insure Pacific will shop multiple carriers to find competitive rates for your specific operation.

Hospitality Insurance in Oregon

Hotels, Inns, B&Bs & Vacation Rental Coverage for Oregon

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Protecting Oregon's Hospitality Industry

Oregon's hospitality industry — from Bend's boutique hotels and vacation rentals to coastal inns and mountain lodges — faces unique insurance challenges. Hospitality businesses need comprehensive coverage that addresses guest liability, property damage, liquor liability, and business interruption.

Insure Pacific has been serving Oregon hospitality businesses since 1935 and understands the specific risks facing hotels, inns, bed and breakfasts, and vacation rental operators. We work with carriers who specialize in hospitality insurance to find the right coverage at competitive rates.

Whether you operate a large hotel, a small B&B, a vacation rental, or a resort, we will build an insurance package tailored to your specific operation and risk profile.

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Coverage Highlights

General liability for guest injuries
Commercial property for buildings and contents
Business interruption coverage
Liquor liability if serving alcohol
Cyber liability for guest data protection
Workers compensation for hospitality staff

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Get Hospitality Insurance in Oregon Today

Insure Pacific's commercial specialists understand Oregon's hospitality industry. Get a comprehensive insurance package for your hotel, inn, or vacation rental business.

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Frequently Asked Questions

Also see: Restaurant Insurance Bend · Commercial Insurance Oregon · Business Insurance Bend

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