Kinetic's hotel appetite
A fast-paced environment with inherent risks, workers' compensation for hotel staff—especially housekeepers—can be challenging but it doesn't need to be.
Kinetic's comprehensive coverage includes safety technology and data-driven insights to help your clients protect their essential employees.
Benefits of coverage for hotels
Tech-driven safety
Keep your clients ahead of workplace risks with smart safety tech built into every Kinetic policy.
Lower costs
Help your clients reduce their premiums on average 13% through optimized safety processes.
Specialized expertise
Industry experts, underwriters, and claims professionals deliver an exceptional, hands-on client experience.
Target class codes
- 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, may consider Parcel with more than 2 years of prior workers comp coverage; 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).
Submission requirements
- 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)
