Employee benefits for hotels and inns,made easy.
76% of U.S. hotels and motels have fewer than 20 employees.
You want great benefits for your team. You don’t have the time or the resources to get them.
That isn’t on you. For decades, the benefits industry has been built for big companies, and small businesses have been left to figure it out alone. Cakewalk was built for you.
How it works
You run your business. We handle the benefits.
Tell us about your business.
Start with your business name. We fill in what we can find. Connect payroll and your team comes with it.
Hundreds of options. One tailored package.
We compare hundreds of plans for your team. You get one package, priced and ready to adjust.
We get your team covered.
We invite your team. You see who has started. Each person gets help choosing. Everyone is covered.
Benefits admin. Off your plate.
New hires and departures sync from payroll. Each employee gets a benefits wallet. Their questions come to us, not you.
Your benefits team. On the house.
You pay for coverage. Insurance carriers pay us a commission, so we can handle everything from building your package to supporting your team year round, at no cost to you.
Hotels and inns at a glance
Offering benefits at a hotel or inn
Around-the-clock shifts, busy seasons, and turnover that never quite stops. Here’s what shapes a benefits plan for an independent hotel or inn.
- of U.S. hotels and motels have fewer than 20 employees
- 76%
- average monthly quit rate in accommodation and food services in 2025, against 2.2% across private industry
- 4.2%
- of private workers in accommodation and food services have access to employer medical coverage
- 37%
Source: BLS Employee Benefits in the United States, March 2026: accommodation and food services
Summer staff
If summer staff take you over 50 full-time employees for 120 days or fewer and the extra workers are seasonal, you still aren’t a large employer.
Source: IRS: applicable large employers
Turnover
People in accommodation and food services quit at 4.2% a month in 2025, nearly twice the private-industry rate, and only 37% have access to employer medical coverage. A package is a real reason to stay.
Source: BLS Job Openings and Labor Turnover Survey, 2025 (Table 22)
Around-the-clock shifts
Part-time work is common for hotel clerks, and properties open around the clock need evening, weekend, and holiday shifts. Full-time status follows average hours, 30 or more a week.
Sources: BLS Occupational Outlook Handbook: hotel, motel, and resort desk clerks; IRS: identifying full-time employees
Seasonal workers and the tax credit
For the small business tax credit, workers employed 120 days or fewer are left out of your employee and wage counts, but premiums you pay for them still count toward the credit.
Source: IRS Form 8941 instructions
Benefits are your choice under 50
Employers with fewer than 50 full-time employees, counting full-time equivalents, aren’t subject to the federal requirement to offer coverage. Offering benefits is a decision you make for your team, not a mandate.
Source: IRS: applicable large employers
The small business tax credit
The federal credit can cover up to 50% of premiums for employers with fewer than 25 full-time equivalent employees and average wages under $68,200 in 2026, if you pay at least half of employee-only premiums and buy through the SHOP marketplace. Owners and their families don’t count toward the totals. SHOP plans aren’t offered everywhere, so check your state’s guide.
The whole benefits package.
Medical, dental, vision, life insurance, and income protection. Built around your business and the people who power it.
Start with your team’s needs and your business’s budget. Explore medical coverage online, or work with a benefits advisor to understand your options and choose your next step.
Questions innkeepers ask.
Not if you’re over 50 for 120 days or fewer and the extra workers are seasonal.
Tell us about your property.
We’ll follow up to learn about your business and walk you through your options. There’s no cost to work with us.
Prefer to start on your own?