Hospitality Insurance

Coverage built for hotels, short-term rentals, vacation properties, and hospitality businesses across Florida.

Industry Risks

The risks hospitality businesses face

Florida's hospitality industry is booming — but high guest volume means high liability exposure. These are the claims that hit hospitality businesses hardest.

Risk 01

Guest injury claims

Wet pool decks, uneven walkways, and poorly lit stairwells are among the most common causes of guest injury claims. With high foot traffic around the clock, the likelihood of an incident — and the cost of a lawsuit — is significant without proper GL coverage.

Risk 02

Hurricane & storm damage

Florida's storm season is a direct threat to hospitality properties. A major storm can cause structural damage, destroy furnishings, and force extended closures. Business interruption coverage is what keeps you afloat financially while you rebuild.

Risk 03

Short-term rental gaps

Many vacation rental owners don't realize their homeowners policy won't cover guest injuries or property damage during a rental period. Without the right coverage in place, a single incident can result in an uncovered six-figure claim.

What We Cover

Covers guest injuries, property damage claims, and other third-party incidents that occur on your premises — essential for any hospitality business.

Covers your building, fixtures, signage, and inventory against fire, theft, vandalism, storms, and other covered losses.

Required if you serve alcohol. Covers claims arising from injuries caused by intoxicated guests — a critical coverage for hotels, bars, and event venues.

Replaces lost revenue if your property is forced to close due to a covered event — keeping your operation financially stable during recovery.

Covers your housekeeping, front desk, and maintenance staff for on-the-job injuries. Required in Florida once you have employees.

Standard homeowners policies exclude short-term rental activity. We secure proper coverage for Airbnb, VRBO, and other vacation rental properties.

Why Industries Choose OakLine

Trusted guidance. Personalized coverage.

Long-term protection for what matters most.

Independent Advantage

We compare multiple carriers to help you find the right protection.

Personalized Advice

Every client has different needs. We tailor coverage to your goals.

Responsive Support

Questions, policy changes, and claims assistance when you need us.

Built for the Long Term

We focus on lasting relationships, not one-time sales.

Common Questions

Does my homeowners policy cover my Airbnb or vacation rental?

No — standard homeowners policies exclude commercial activity, including short-term rentals. If a guest is injured or causes damage during a stay, your homeowners carrier can deny the claim entirely. You need a policy specifically designed for short-term rental activity.

What insurance does a hotel need in Florida?

Hotels typically need General Liability, Commercial Property, Business Interruption, Liquor Liability (if alcohol is served), Workers' Compensation, and Commercial Auto. We build hotel packages that coordinate all of these coverages under one program.

Does Airbnb's host protection cover me?

Airbnb offers some host protection, but it has significant limitations — coverage caps, exclusions, and gaps that can leave you exposed. It's not a substitute for a dedicated short-term rental policy. We help you understand exactly what Airbnb covers and what it doesn't.

What does business interruption cover for a hotel?

If a covered event — like a hurricane or fire — forces your property to close, business interruption coverage replaces your lost rental income during the closure period. For hospitality businesses with high revenue per day, this coverage is essential to surviving an extended shutdown.

Do I need liquor liability if I only serve alcohol at events?

Yes. Even occasional alcohol service — at weddings, corporate events, or holiday parties — creates liquor liability exposure under Florida's dram shop laws. If a guest is served alcohol at your property and causes injury to someone, you can be held liable. Event-specific liquor liability coverage is available if you don't serve alcohol regularly.