Excel VBA Insert Column when Value Changes and add formula

Through VBA I want to compare hotel rates between operators.

the Top image is how it is pulled the bottom image is the final output desired

I want to Insert a column each time the HOTEL changes.

Then in that newly added Column, insert the formula for the MIN of each hotel rates.

current code so far but this doesnt work when Z is not operating a hotel

Sub Insert()
'
Dim x As Long, rng As Range

Set rng = Range("B2:DD2")

For Each cell In rng
    If cell = "Z" Then
        cell.EntireColumn.Offset(0, 1).Insert (xlShiftToRight)
    End If
Next cell

End Sub

Option Explicit

Sub InsertMin()
    
    Dim ws As Worksheet
    Dim rng As Range, hotel As String, f As String
    Dim lastRow As Long, lastCol As Long
    Dim c As Long, n As Long, i As Long
    
    Set ws = ActiveSheet
    With ws
        lastCol = .Cells(1, .Columns.Count).End(xlToLeft).Column
        lastRow = .Cells(.Rows.Count, 1).End(xlUp).Row
       
        ' insert columns
        For c = lastCol To 2 Step -1
           If .Cells(1, c) <> hotel Then
               hotel = .Cells(1, c)
              .Columns(c + 1).Insert
              .Cells(1, c + 1) = hotel
              .Cells(3, c + 1) = "MINRATE"
              ' insert blank column
              .Columns(c + 2).Insert
              
              i = i + 1
           End If
        Next
        
        ' add MIN formulas
        n = 0
        For c = 2 To lastCol + i * 2
            
            If .Cells(3, c) = "MINRATE" Then
                f = "=MIN(RC[-" & n & "]:RC[-1])"
                Set rng = .Cells(4, c).Resize(lastRow - 3)
                rng.FormulaR1C1 = f
                n = 0
            ElseIf .Cells(1, c) <> "" Then
                n = n + 1
            End If

        Next
    End With
    MsgBox i & " columns inserted", vbInformation
       
End Sub