Hotel workers' compensation insurance

Kinetic Insurance writes hospitality workers' comp for hotels with $50,000 or more in premium, covering front desk, housekeeping, maintenance, and hotel restaurant teams. Our claims intelligence and a dedicated team of experts support every policyholder from underwriting through claim resolution.

Hotel workers' compensation class codes we cover

We specialize in workers' compensation for hospitality accounts in these classes:

9044/9069 Casino Gambling - Hotel

9052 Hotel - All Other Employees

9050A Hotel - All Other Employees (CA)

9050B Hotel - Front Desk, Retail Store, and Health Spa Employees (CA)

9058 Hotel - Restaurant Employees

Exclusions

Motels

Bed & Breakfast Inns

General exclusions

No Aircraft exposure. No Mid-term business, unless they are coming out for PEO or Captive. No business with less than 3 years of prior workers comp coverage upon policy inception date. No 1099 Exposure greater than 40%. No risks coming out of a PEO, unless they have their own NCCI or state bureau ex-mod. No Staffing Agencies. No USL&H. No Jones Act. No Maritime Employers Liability. No Foreign Coverage. No Retroactive policies. No Large risk alternative rating option (LRARO).

Why brokers place hotel business with Kinetic

Real-time claims intelligence, an expert team, and savings throughout the policy.

Dividend
Save at every
stage

Qualifying hotel accounts earn up to a 26% dividend for prioritizing safety and return-to-work.

Claims Control
Better claims
control

Claims intelligence surfaces real-time insights, so claims move forward instead of dragging out.

Expert team
Expertise when it
matters most

An expert-led team guides your client through claims, return-to-work, and loss control.

Where we're seeing success

Kinetic partners are writing frontline workers' compensation accounts across the country and seeing measurable results.
Parcel Delivery

Class Code: 0808  State: PA

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Bound Premium:
$309,929
Manufacturing

Class Code: 2812  State: CA

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Bound Premium:
$91,113
Janitorial

Class Code: 9008  State: CA

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Bound Premium:
$189,347
Parcel Delivery

Class Code: 7231  State: CT

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Bound Premium:
$200,450
Hotel

Class Code: 9050  State: CA

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Bound Premium:
$238,197
Parcel Delivery

Class Code: 7231  State: GA

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Bound Premium:
$228,493
Janitorial

Class Code: 9008 State: CA

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Bound Premium:
$205,855

Send in your hotel workers' comp submission

Email your client's details, including:

ACORD 130

Current year and 3 prior policy periods of loss runs

Ex-Mod Worksheet

Industry supplemental applications

Frequently asked questions about hospitality workers' comp

What is the minimum premium for hotel workers' comp?
$50,000. Hospitality accounts below that threshold fall outside our current appetite.

View our full appetite and exclusions.
What type of hotel clients are a good fit for Kinetic Insurance?

Kinetic is built for employers looking for a strategic partner invested in the long-term direction of their workers' compensation policy. Businesses that choose us want a partner who is engaged, deeply understands their business, and is an active guide throughout the policy period.

What questions should I ask prospective hotel clients?

Hotel businesses present unique risks and opportunities. These questions help you understand their safety culture:

- Are pre-employment physicals used for high-risk roles?

- Is there onsite management, and at what level?

- Is there an active safety committee?

- What return-to-work programs are already in place?

- Are employees trained in safety protocols, or expected to learn on the job?


Read our complete guide to selling workers' compensation to hotels.
How much can hotel policyholders earn in dividends?

Up to 26%, for qualifying accounts who maintain a safe work environment and put a strong return-to-work program in place.

How do I submit accounts for underwriting review?
Submissions can be sent 90 days before the policy effective date. Email them to submissions@kineticcomp.com. Incomplete submissions won't be reserved.

Ready to submit an account?

Existing clients

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