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' compensation?
Proactively predict, prevent, and manage workplace injuries with advanced safety tech built into every Kinetic policy.
A (Excellent) Rated
Backed by Nationwide, every policy is written on A-rated paper.
Lower costs
Reward your client's safer behavior with performance-based dividends and 13% lower premiums.
Specialized expertise
Rely on industry expertise for tailored coverage and seamless claims handling.
Target class codes for hotels
We specialize in workers' comp for hospitality workers 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
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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).
Where we are seeing success
Kinetic partners are seeing success placing risk in industries where safety is key.
Gear Manufacturing
Class Code: 3632

Bound Premium:
$69,583
Trucking
Class Code: 7219

Bound Premium:
$268,139
Parcel Delivery
Class Code: 7231

Bound Premium:
$196,029
Janitorial Services
Class Code: 9006

Bound Premium:
$117,925
Parcel Delivery
Class Code: 808

Bound Premium:
$211,430
Trucking
Class Code: 7219

Bound Premium:
$150,747
Ready to submit?
Submitting is simple. Just ensure your submission includes:
ACORD 130
Current year and 3 prior policy periods of loss runs
Ex-mod worksheet (if available)
Industry supplemental applications
