A Broker’s Guide to Selling Workers’ Compensation to Hotels in 2025

Hotels offer a $218 million opportunity for workers’ compensation brokers in NCCI states with average premiums north of $150,000 per policy1. California offers an additional $330 million2 in opportunity. Securing even a small foothold can grow your book significantly.

In this episode of Over the Air, host Bill Brock sits down with Haytham Elhawary, co-founder and chief strategy officer of Kinetic, to explore the company’s evolution from a wearable tech startup to an innovative insurance provider focused on workplace safety.

When it comes to buying workers’ comp insurance, most business owners focus on one thing: price.

Time is critical when reporting a work-related injury—especially for frontline workers who are the backbone of a company. When these essential employees are sidelined, productivity suffers, and workers’ compensation costs rise. Delayed reporting can increase claim costs by up to 51% according to NCCI research and lead to longer recovery times, legal complications, and compliance risks.

We hear it all the time: “I slid down the steps because they were icy,” or “I went head over heels on ice.” These real-world incidents drive injury claims every winter. Slips, trips, and falls ranked as the third most common workplace injury in 2020, with winter weather making them more frequent.

Workplace injuries—common among frontline workers—are costly to employers and employees alike.

Musculoskeletal Disorders (MSDs) account for nearly 30% of all workers' compensation costs, according to the Bureau of Labor Statistics (BLS). These injuries, caused by repetitive motions, high-risk postures, and excessive strain, lead to higher injury rates, lost productivity, and increased workers’ compensation expenses.