Hotels and Motels--without Pools or Beaches--Four Stories or More

What Does GL Code 45193 Cover?

ISO GL class code 45193 covers hotels and motels that are four stories or more in height and do not feature pools or beaches. This code specifically classifies the general liability exposures associated with the operation of multi-story lodging establishments, focusing on risks inherent to guest accommodation, property maintenance, and public access without the added complexities of aquatic facilities. It applies to businesses providing temporary lodging services where guests are housed in buildings of significant vertical construction.

Who Uses This Class Code?

This code is applicable to operators of high-rise hotels, multi-story motels, extended-stay hotels without recreational water features, and large lodging facilities exceeding three stories. Specific business types include urban high-rise hotels, convention center hotels, and boutique hotels situated in multi-story buildings that do not offer swimming pools or direct beach access.

Common GL Claims for This Class

Common claims include slip and fall injuries in lobbies, hallways, or stairwells, guest injuries sustained in elevators or escalators, and claims arising from inadequate security leading to theft or assault on the premises.

Coverage Tips for Code 45193

• Ensure your general liability policy includes adequate limits for slip and fall incidents, which are common in high-traffic areas like lobbies and hallways.
• Verify that your policy covers elevator and escalator liability, as these are significant exposures for multi-story establishments.
• Implement robust security protocols and ensure your insurance policy addresses premises security liability, especially for guest safety in common areas and parking structures.
• Review your policy for coverage related to fire suppression systems and emergency exits, as these are critical safety components in high-rise buildings.