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INTERVIEW

INTERVIEW

INTERVIEW

INTERVIEW

Hotel Insurance Costs Are Rising—Here's Why

52:27

Season 5

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Episode 1

In This Conversation

Insurance is one of the biggest cost pressures facing hotel owners right now — and most operators still don't fully understand why. Bryan sits down with Dan Garzella, Founder & CEO of The Garzella Group, to break down what's really driving rising hotel insurance premiums, what ownership groups are getting wrong, and how better risk management can create better outcomes.

Dan shares how he went from arriving in Arizona with $500 and no plan to building a major portfolio of insurance-related companies with billions of dollars in insured value across the United States.

The conversation covers why hospitality remains a uniquely challenging asset class for insurers, what hotel owners should communicate before renewal, and how to avoid working against yourself when shopping the market.

Key Topics

Rising Insurance Premiums

Risk Management & Loss Prevention

Broker Relationships & Renewal Strategy

In This Episode:

  • Why commercial property and hotel insurance premiums have surged in recent years

  • How inflation, reinsurance, and market conditions impact hospitality insurance costs

  • Common mistakes hotel owners make when filing claims or structuring coverage

  • Why risk management, loss prevention, and operational discipline matter more than ever

  • How the right broker relationship can affect insurance strategy and long-term cost

  • Why hospitality remains a uniquely challenging asset class for insurers

  • What hotel owners should communicate before renewal, and market-shopping pitfalls to avoid

Dan Garzella

Founder & CEO

The Garzella Group

LinkedIn Logo and Link

About Our Guest

Dan Garzella is the founder and CEO of The Garzella Group, an independent insurance brokerage he established in 2014 after being recognized as one of America’s top commercial insurance agents for five consecutive years. He built his career on a philosophy of faith, patience, and never giving up — principles he traces back to a book on selling that his father gave him early on. Today he leads a portfolio of insurance companies managing billions of dollars in insured value across the country, with particular focus on the hospitality industry’s unique risk profile.