Every business in every industry is at risk for data breach. In fact, nearly 80% of all companies in the United States have been a victim of data theft or loss in the last 24 months, according to a Trend Micro-sponsored Ponemon Institute study. Cyber criminals steal credit card numbers, bank account information, social security numbers, e-mail addresses, and other personally identifiable information, and the financial liability organizations face as a result of this theft can be devastating.

Hotels are a frequent target of data theft because of the amount of data they have stored on their customers and employees. In 2008, Wyndham Worldwide Corporation’s data center was breached by hackers who compromised over 600,000 accounts and accessed sensitive credit card information.

Our exclusive HotelPro offers a Data Breach option with our Employment Practices Liability Insurance. This is available through an exclusive arrangement with Beazley. We provide your clients with breach notifications, credit monitoring, forensic and legal assistance, and media claims, and the coverage includes a $100,000 PCI sublimit. Use our fast-track form to get a quick indication for EPLI insurance with Data Breach protection for your hotel clients.

Please visit our Data Breach & EPLI storefront on CompleteMarkets for more information, or call us directly at 877-653-4762. We look forward to serving you and protecting your clients.

According to the National Center for Education Statistics, an estimated 49.8 million children will attend public elementary and secondary education facilities and an additional 5 million will attend private schools. Public education facilities employ approximately 3.1 million teachers in over 13 thousand public school districts. Public education facilities are growing, as are the risks involved in managing and operating them.

Our NationalPropertyPro addresses the needs of education facilities and provides a program to fit your clients’ needs. We write in all states, all construction classes and schedules up to $250 million. We have a capacity of $50 million per location for properties built after 1983. Our commercial property experts will deliver a superior product backed by the experience you need.

In addition to education facilities our commercial property program can also write these classes:

- Condominiums
- Health Clubs
- Hospitals
- Hotels
- Municipalities
- Offices
- Restaurants
- Retail
- Warehouses

Please visit our National Property Insurance Program storefront on CompleteMarkets for more information, or call us directly at 407-260-8200. We look forward to serving you and protecting your clients

Hotels are high risk businesses that need ample protection to reduce financial hardships or bankruptcy. According to the World Tourist Organization, a five star hotel should employ a minimum of two employees for every available room. The average five star hotel has around 250 rooms and employs about 500 individuals. As of 2012, more than 52,000 hotels and motels were operating in the United States with a total of five million guestrooms and an occupancy of 61.4%. This means over three million occupied rooms every day. If you assume that each employee and each occupied room is a potential risk, there are over 8 million potential risks every day for the hotel industry.

It is extremely important for your clients to be adequately protected by a company that specializes in their industry, and Insurance Programs of America knows hotels. Our exclusive hotel insurance program, HOTELPro, is available nationwide and offers agents a program designed for limited and full service hotels, including resorts, spas, and golf course properties. We will entertain all construction types, interior and exterior hotels, and capacities up to 50 million.

Please visit our Exclusive Hotel Insurance Program storefront on CompleteMarkets for more information, or call us directly at 407-260-8200. We look forward to serving you and protecting your clients.

Assisted living facilities are available to seniors who need varying levels of support with their daily living activities. Many seniors in assisted living facilities are healthy and of sound mind and body, but they require medical supervision or some assistance with personal care. These facilities provide round-the-clock care, assistance, and security for seniors with the added benefit of maintaining privacy and independence.


Common services provided by an Assisted Living Facility are:

1. Daily meals
2. Housekeeping
3. Transportation
4. Security
5. Emergency calls
6. Health and Wellness programs
7. Laundry
8. And more..




Because assisted living facilities are vulnerable to numerous risks, it is important to provide proper coverage to your clients. Our SeniorLivingPro, offered nationwide and written through Lloyd’s of London, includes Property, Liability, Equipment Breakdown, and Umbrella coverage. We also offer in-house underwriting and a proactive claims management department. We can write up to $40 million per location with an umbrella limit of $25 million.

Please visit our SeniorLivingPro Insurance Program on CompleteMarkets for more information, or call us directly at 407-260-8200. We look forward to serving you and protecting your clients.

Darden Restaurants, Inc. owns several chain restaurants, including Olive Garden, Longhorn Steakhouse, and Seasons 52. The company is currently in litigation with 54 named plaintiffs for allegedly neglecting to compensate tipped employees correct wages or overtime pay. In addition to these claims, additional lawsuits have been filed because of alleged retaliation. Currently, over 19,000 current and previous employees have joined the class action lawsuit. Depending on how the case develops, Darden Restaurants, Inc. could be liable for compensation for back wages and other expenses.

Restaurant owners are at high risk for lawsuits from employees, customers, and vendors. This is why providing the right coverage to your restaurant clients is invaluable. Insurance Programs of America offers a unique program specifically designed to protect your client’s assets. We offer your clients a personalized program through A+ rated carriers.

We specialize in:

•   Fast Food
•   Buffet
•   Casual Dining
•   Fine Dining
•   Franchise Restaurants
•   Family Dining
•   Drive-Thru

Insurance Programs of America can help insure all restaurant claims. We are committed to niche products and provide excellent service. Please visit our RestaurantPro Insurance Program here on CompleteMarkets for more information, or call us at 407-260-8200. We look forward to hearing from you!

Employee terminations are one of the riskiest decisions an employer can make. Regardless of the reason behind the termination, employers are at risk of retaliation. Companies that hire employees “at will” can terminate the employment relationship without reason or warning, but this does not always protect employers from lawsuits or other retaliatory acts.

Employers are especially at risk when they decide to terminate the employment of a person who has high security access or even general access to information such as customer data, employee information, credit card numbers, etc. Over the last year, more and more organizations are paying out millions of dollars in damages due to data breach committed by both hackers and employees.

Data security is becoming increasingly important as companies move toward a more virtual record keeping process. Let us help you protect your clients when they need it most.

Our underwriters specialize in:

•   Breach notification
•   Credit monitoring services
•   Breach response coverage
•   Bureau credit monitoring services
•   Crisis management

Insurance Programs of America can help insure all employment-related claims along with any breach risks. Please visit our Data Breach & EPLI Insurance Program here on CompleteMarkets for more information, or call us at 407-260-8200. We look forward to hearing from you!

From fast food to fine dining, everyone enjoys eating out.  Having great service can make the experience that much better. However, we, as customers, rarely get to see what happens behind the “Employees Only” sign. There are many risks that come with owning a restaurant, and it is essential that your client has a policy designed for their specific needs. This gives them peace of mind and an opportunity to focus on giving their customers the best experience possible.  We offer, but are not limited to, commercial property and liability insurance for your client’s restaurant.

Insurance Programs of America understands the many exposures that can threaten your client’s business establishment. We can help you design a personalized program that fits your client’s business operation. You can visit our RestaurantPro Insurance Program here on CompleteMarkets for more information, or you can contact us directly at 407-260-8200. Our programs are offered nationally to better suit all your clients. We look forward to hearing from you.