Hotel/motel insurance is a type of coverage that can help protect guests and employees from losses caused by accidents, thefts, or other unfortunate incidents. It typically covers property damage, injuries to guests or employees, lost luggage and medical expenses. Coverage may also include loss of business income due to cancellations related to the incident.The primary purpose of hotel/motel insurance is to protect guests from harm that may occur while they are staying in a hotel or motel. There are various types of coverage that are available through hotel/motel insurance policies. Common coverage features that are included in hotel/motel insurance policies include loss of income due to inability to work, travel delays, and medical expenses.