Hotels and Motels--with Pools or Beaches--Less Than Four Stories

What Does GL Code 45190 Cover?

ISO GL class code 45190 covers hotels and motels that feature pools or beaches and are less than four stories in height, classifying their general liability exposures related to guest services, recreational facilities, and premises operations. This code specifically applies to establishments providing lodging, food and beverage services, and recreational amenities like swimming pools or direct beach access, focusing on the unique risks associated with these features in lower-rise structures.

Who Uses This Class Code?

This code is primarily used by operators of smaller hotels, motels, inns, and resorts that offer swimming pools or beach access to their guests and whose buildings are under four stories. Specific examples include beachfront motels, boutique hotels with pools, and family-owned inns located near coastal areas or lakes with recreational water features.

Common GL Claims for This Class

Common claims for this business type include slip-and-fall incidents around pools or wet areas, drowning or near-drowning accidents in hotel pools, and injuries sustained by guests while using recreational facilities or accessing beach areas. Other frequent claims involve food poisoning from hotel restaurants or bars, and property damage to guest belongings.

Coverage Tips for Code 45190

• Ensure your policy includes adequate coverage for swimming pools and beach access areas, as these are high-risk zones for guest injuries and require specific liability endorsements.
• Regularly inspect and maintain all recreational facilities, especially pools and beach access points, and keep detailed records of maintenance to demonstrate due diligence in the event of a claim.
• Implement robust lifeguard or attendant protocols for pools and beaches, clearly post safety rules, and provide appropriate warning signs to mitigate potential drowning or injury liabilities.
• Verify that any third-party vendors, such as pool maintenance companies or beach activity providers, carry their own comprehensive general liability insurance and name your hotel as an additional insured.