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Apartment and Condo

We have access to multiple insurance companies.

Hotels & Motels

Industry leading coverage & great rates

Fast Coverage

We know that running a small business is hard so we make insurance easy

Comprehensive Protection

General Liability, Property, Wind, Umbrella, Auto, Theft

What Our Clients Say About TWFG Insurance Services Georgia

Great Staff. Always can get in touch with someone with answers to any question.

Matthew Carter

Very Prompt and excellent follow up…

Angie Brady
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Hospitality Insurance 101

Learn more about hospitality insurance so you can make an informed decision on your coverage.

Hospitality

Building / Property Insurance

Risk Factor

Is your building subject to wind, rain, hailstorms, hurricanes, blizzards, or other weather events? These situations can cause significant damage to the building or roof, not to mention the dangers that lurk within such as a burst pipe or a kitchen fire.

Solution

Building coverage protects the permanent structure from most weather perils, burst pipes, a fire, and other losses.

Innkeepers Legal Liability

Risk Factor

You are required by law to keep your guests’ valuable personal items secure and safe, and you can be held responsible for loss or damage unless caused by an act of nature or the actions of the guest.

Solution

An innkeepers legal liability policy can protect against losses to your guests’ personal items when they are being stored in your hotel. Requirements vary by state, including maximum liability per guest, the types of items that are covered, where the item was stored, and the value of the item.

General Liability

Risk Factor

Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These are all accidents waiting to happen that make your business susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Liquor Liability

Risk Factor

Any establishment that sells, serves, or assists in the purchase or use of liquor is open to a liability claim as a consequence of someone getting inebriated to the extent that injuries or property damage result.

Solution

If you are in the business of selling or serving alcohol, it is critical that you protect your business from potential financial losses by being covered by a liquor liability insurance policy. Having the right policy in place could help cover your legal costs, court fees, and any civil or criminal damages stemming from an incident involving liquor.

Valet Parking

Risk Factor

Providing a valet service is convenient for your guests, but damaging a vehicle, property, or causing injury is a very real risk associated with it.

Solution

Obtain a general liability policy to protect your business from lawsuits by a third party. Be certain that a garagekeepers legal liability policy is in effect with adequate limits to cover any physical damage to your guest's vehicle or other vehicles on site. If you are using an independent valet service, obtain a certificate of insurance to verify they have the proper coverage with adequate limits. Also make sure that your business is named as an additional insured under their policy.

Cyber Insurance

Risk Factor

Hotels rely on technology to run almost every facet of their business and store sensitive information such as credit cards, passwords, and guests’ personal data. You are at risk if this information is lost, stolen, or compromised. You may be legally obligated to alert those impacted by the breach and possibly pay fines, restitution, and defense costs.

Solution

Experiencing a data breach is often not a question of if, but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring service, and paying for regulatory defense, as well as penalties arising from privacy law violations.

Workers’ Compensation

Risk Factor

Most states require an employer to provide coverage for any injuries their employees experience while on the job, as well as any job-related illnesses.

Solution

Maintain workers’ compensation insurance to provide benefits to eligible employees, otherwise, you can be penalized for every day that coverage is not maintained, as well as for any benefits an employee would have been eligible for in the event of a job-related injury or sickness.

EPLI

Risk Factor

On average, it’s estimated that three out of five businesses will be sued by their employees. Hotels, just like any other business, are vulnerable from the pre-hire process through to a possible reduction in workforce. Claims can stem from just about anything, such as someone taking a “joke” the wrong way and being offended.

Solution

Coverage to protect you against this risk normally comes as a standalone policy. The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations. Typically, the policy will cover your business as well as your directors and officers. Third party coverage is an added option, usually accomplished via a policy endorsement, and addresses claims made by customers or vendors against you from acts committed by employees.

Business or Commercial Auto

Risk Factor

When you own or operate a vehicle for your hotel, you expose your business to liability risks to other drivers, property owners, and your own guests while being driven.

Solution

A business auto insurance policy should be maintained if the vehicles are owned by the company. If employees are using their own vehicles at any time as part of their job duties, then hired and non-owned auto liability coverage should be maintained. Both will defend you if you are named in a lawsuit as a result of an employee getting into an accident while working for you.

Business Income

Risk Factor

What would you do if a fire impacted your operations? Or what if a pipe leak caused an extended downtime of a significant block of rooms? These and other events can destroy your ability to serve guests and bring in revenue, which can have a major long-term impact on the viability of your hotel.

Solution

Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Commercial Umbrella

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers’ compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.

Commercial Property Coverage

Fire, water or windstorm damage to your hotel or apartment complex can be extremely costly; in addition to the costs associated with fixing the damages, there is also a good chance that your day-to-day business activities will be interrupted during the repairs. To avoid potential expenses related to workplace fires, it is important that you have adequate fire coverage, which is included as part of most property insurance policies for commercial buildings. However, it is important that you understand your policy to make sure it provides all the protection you need and that you aren’t paying too much for premiums.

Using The Right Agent

Not all insurance is the same and not all agents understand your business. At TWFG Insurance Services, we understand the risks that you face. We also understand the pressures you face in keeping your business profitable. That’s why we dedicate so much time building relationships with the industry leading insurance companies that focus on apartments and hotels. We parlay that relationship to advocate for you with the underwriters who are pricing your policy

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About TWFG Insurance Services Georgia

OUR POLICY IS CARING.
At the end of the day, TWFG is a company that cares. We care about our customers, their customers, their families, and the communities in which they have chosen to build their lives. And we wouldn’t be the company we are today without the caring people who make it possible. Those who come in every day with the hope – the goal – of making a real difference in the lives of the people we protect. We treat you like one of our own.
Because you are.

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TWFG Insurance Services Georgia - Logo 800

101 S Dawson Street, LaGrange, GA 30241 | 706-416-4160