A common account from property engineering teams: "It took hours to find the right shutoff point to control water losses," while the lobby and banquet room absorbed the damage.
Per-incident exposure at your current settings below.
Move any slider. Every number on this page updates together.
Slide across the full pricing range to see where the value case holds, compared below on a per-day basis.
Floor set at 30 min. The range below reflects real critical-asset searches, not trivial ones.
Property damage plus lost banquet/lobby revenue while the incident runs.
Same property, same day. Standing exposure against what Live Safety costs to run, per day.
The entry tier stays fixed here regardless of where you set the slider above. This is what it looks like next to a single incident, and next to a full year of exposure.
Same incident, two damage centers. The curve shows repair cost climbing with hours out of control, not the alarm going off, the water still running.
Curves are an illustrative escalation model (flooring, drywall, finishes, and lost banquet revenue compound the longer water runs). Swap in your own restoration figures for a precise estimate.
Water losses are not a hospitality anecdote. They are a documented, growing claims category in commercial and hospitality real estate.
"Water losses are a global issue" and are increasingly affecting businesses of every size, according to Chubb's North America Commercial Property division.
Derek Talbott, Chubb North America Commercial Property Division President
In one documented Chubb hospitality claim, a failed pipe fitting on an upper floor of a high-rise hotel sent water through common areas, corridors, the main lobby, and elevators, contributing to roughly $4 million in lost income and displacement costs. Chubb also names hospitality among the property classes seeing the sharpest rise in interior water-damage claims.
Hospitality-specific totals aren't separately published, but the broader market gives a sense of scale: the Insurance Information Institute reports water damage and freezing is the second most common cause of U.S. property insurance claims, behind only wind and hail, filed on roughly 1 in 67 insured properties each year. The National Association of Insurance Commissioners estimates these claims cost insurers about $13 billion annually across the industry.
Sources: Chubb, commercial water damage claims and their impact on business; Insurance Information Institute, facts and statistics on homeowners and renters insurance; National Association of Insurance Commissioners industry estimates. The III/NAIC figures cover U.S. property insurance broadly, not hotels specifically, since no publicly aggregated hospitality-only claims total exists. KPI structure and occupancy benchmarking in this model follow STR (CoStar) hotel performance methodology, str.com. Damage rates and incident frequencies above are illustrative starting points, replace them with your own property-level figures.