Insurance for hotels
The key to safeguarding hotel staff—especially housekeepers—while managing costs? Workers' comp powered by Kinetic’s safety tech, data-driven insights, and industry expertise.
Why choose Kinetic for workers' comp?
Smarter safety
Proactively prevent workplace injuries with smart safety tech built into every Kinetic policy.
Lower costs
Help your clients reduce their premiums, on average, by 13% with data-driven safety.
Specialized expertise
Rely on our industry expertise for tailored coverage and seamless claims handling.
Target class codes for hotels
We specialize in workers' comp for hospitality workers in these industries:
- 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
Hotel exclusions
- No motels
- No 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).
Ready to submit?
Submitting is simple. Just ensure your submission meets the minimum premium size of $50,000 and includes:
- ACORD 130
- Industry supplemental applications
- Ex-mod worksheet
- Current year and prior 3 years loss runs valued no more than 120 days prior to effective date
- Target pricing (if known)
