Hotels and Motels--without Pools or Beaches--Less Than Four Stories

What Does GL Code 45192 Cover?

ISO GL class code 45192 covers general liability for hotels and motels that operate without pools or beaches and are less than four stories in height. This code specifically classifies lodging establishments that provide temporary accommodation to guests, focusing on the inherent risks associated with guest stays in low-rise structures without water-related amenities. It encompasses the operations of managing guest rooms, common areas, and basic services, excluding the higher exposures of recreational water features.

Who Uses This Class Code?

This code applies to various hospitality businesses such as roadside motels, budget hotels, extended-stay lodging facilities, and small inns that do not feature swimming pools, hot tubs, or direct beach access. It is used by operators of properties designed for short-term stays where the primary service is accommodation, and the building structure is limited to three stories or fewer.

Common GL Claims for This Class

Common claims for this business type include guest slip-and-fall incidents in hallways or bathrooms, property damage caused by guests, and claims arising from food poisoning if a continental breakfast or limited food service is offered. Theft of guest property from rooms or common areas also represents a frequent claim scenario.

Coverage Tips for Code 45192

• Implement robust key card security systems and guest verification protocols to mitigate theft and unauthorized access claims.
• Ensure adequate lighting in all common areas, hallways, and parking lots to reduce slip-and-fall incidents and enhance guest safety.
• Regularly inspect and maintain all fire safety equipment, including smoke detectors and sprinkler systems, to comply with local fire codes and prevent fire-related claims.
• For properties in Florida, be aware of specific hurricane preparedness and evacuation plan requirements, and ensure your policy includes appropriate windstorm coverage.