Hotels and Motels--with Pools or Beaches--Four Stories or More

What Does GL Code 45191 Cover?

ISO GL class code 45191 covers general liability for hotels and motels that are four stories or more in height and feature amenities such as pools or beaches. This code specifically classifies the operational risks associated with larger hospitality establishments offering extensive guest services and recreational facilities. It encompasses the broad range of exposures inherent in managing a multi-story lodging property with significant public access and high-risk recreational areas.

Who Uses This Class Code?

This code is utilized by large hotel chains, independent high-rise hotels, resort properties with beach access, and multi-story motels that provide swimming pools or direct beach frontage. Specific business types include luxury beachfront resorts, urban high-rise hotels, and convention center hotels exceeding four stories with aquatic amenities.

Common GL Claims for This Class

Common GL claims for this business type include slip-and-fall incidents around pools or wet floors, injuries sustained by guests at the beach or in recreational areas, and claims arising from food poisoning or allergic reactions in hotel restaurants.

Coverage Tips for Code 45191

• Ensure your policy includes robust coverage for swimming pools and beach operations, as these areas are frequent sources of premises liability claims.
• Given the multi-story nature, verify adequate coverage for slips, trips, and falls in common areas, elevators, and stairwells, which are amplified in larger structures.
• If serving alcohol, secure comprehensive liquor liability coverage, as incidents related to intoxicated guests are a significant exposure in hospitality.
• Mandate that all third-party vendors, such as pool maintenance, security, or beach concessionaires, carry their own GL insurance and name your hotel as an additional insured.