Overview of the Program From M.J. Hall
This market is designed for lodging risks that standard carriers may decline because of location, building age, prior claims, or the amenities and recreational activities offered. M.J. Hall leverages excess & surplus lines relationships to give agents flexible placement options for accounts that require underwriting latitude.
Ideal Accounts and Appetite
We write a broad range of lodging operations, including:
- Properties with prior claims or unusual loss histories
- Older buildings or locations in higher-risk areas
- Operations with pools, spas, entertainment, or other recreational features
- Privately owned independents and franchise-affiliated properties
You might use this program when a client’s roadside motel has an older structure, when a bed & breakfast is in a remote or seasonal area, or when a hotel needs cover for on-site amenities that complicate placement.
Coverage Highlights and Advantages
Carriers in this program can offer a range of options commonly needed by hospitality owners:
- Property and General Liability
- Business Interruption / Business Income
- Assault & Battery (where applicable)
- Liquor Liability for operations that serve alcohol
- Optional endorsements customized for hospitality exposures
Our focus is on providing broad, practical coverage tied to underwriting flexibility so you can place difficult or unusual accounts more efficiently.
Underwriting Notes and Minimum Premiums
Underwriting is case-by-case. Minimum premiums depend on the risk profile and selected coverages; many accounts begin at $1,000 or higher. We accept submissions that may not qualify for admitted markets and submit to our excess & surplus lines connections. Accurate, complete submissions will produce faster and more precise quotes.
Territories and Availability
This Hotel/Motel Insurance program is currently available in:
- Alaska (AK)
- Arizona (AZ)
- California (CA)
- Hawaii (HI)
- Nevada (NV)
Some admitted options may be available depending on the state and specific risk characteristics; otherwise placements are typically written through non-admitted E&S markets.
Why Work With M.J. Hall & Company, Inc.?
As an experienced excess & surplus lines broker, M.J. Hall maintains strong relationships with multiple carriers that understand hospitality exposures. We provide underwriting support, responsive service, and access to markets that will consider complex or declined risks. If you have a lodging account other brokers turned away, M.J. Hall can help you explore viable coverage solutions.
Our team is ready to assist with your next hospitality submission—contact M.J. Hall to get started.
Frequently Asked Questions
What types of accounts are a good fit for this Hotel/Motel Insurance program?
This program fits hotels, motels, bed & breakfasts, apartment-hotels, and similar lodging facilities that may be older, located in higher-risk areas, have prior losses, or offer recreational amenities like pools or spas.
Is this coverage available in all states?
No. The program is currently available in Alaska, Arizona, California, Hawaii, and Nevada.
Can you place accounts with prior claims history?
Yes. We specialize in risks that standard admitted markets may decline because of claims, location, or other underwriting concerns.
What is the minimum premium for this program?
Minimum premiums vary by account and coverages selected, but typically start around $1,000 or higher depending on underwriting factors.
What types of coverage can be included?
Coverage options may include Property, General Liability, Business Income, Liquor Liability, Assault & Battery, and other endorsements relevant to hospitality operations.
Need help placing an account? Connect with a market specialist.