Hospitality Insurance

Program Overview — Hospitality Insurance from Hospitality Insurance Solutions

Hospitality Insurance Solutions offers a focused Hospitality Insurance program designed for hotel, motel and similar lodging operations. As a managing general agency, we place accounts with carriers such as Discover Property and Casualty Insurance Company, providing agents with a one-stop source for property, liability, umbrella, boiler & machinery, and crime coverages tailored to the lodging industry.

Why this program?

• Package or monoline flexibility — bind property, GL, umbrella, B&M and crime together or select only the coverages you need.
• Market access through financially strong carriers (ratings noted by AM Best and Standard & Poor’s in carrier materials).
• Underwriting geared to hotel/motel exposures so you can place accounts quickly with hospitality-focused appetite and forms.

Coverage highlights

• No coinsurance on property or business income.
• Personal property of others included within limits (helps with guest belongings exposures).
• Building glass included and lost key coverage provided.
• Earthquake coverage included except in WA, OR, CA and the New Madrid seismic zone.
• Flood coverage included except in A & V zones or sub-zones.
• Guest evacuation and relocation coverage to help manage mass-evacuation exposures.
• General liability with per-location aggregate; liquor liability, employee benefits liability, and hired/non-owned auto available.
• Umbrella limits up to $200,000,000 available.
• Boiler & machinery limits to $25,000,000; includes business income, extra expense, service interruption, plus $2,500,000 demolition & increased cost of construction coverage.
• Crime: employee dishonesty and forgery limits up to $500,000; innkeepers and safe-deposit box liability available.
• Note: Property coverage is not offered in Florida under this program.

Ideal accounts and appetite

This program is intended for hotel and motel owners and operators, including but not limited to: limited-service motels, economy and midscale hotels, franchised roadside properties, and smaller independent boutique hotels. Typical accounts we place:

• Single-location motels or hotels with moderate annual revenue and standard housekeeping and maintenance operations.
• Properties with on-premise alcohol service (we offer liquor liability where needed).
• Properties seeking higher umbrella limits or expanded B&M and business interruption protection.

Generally not suited: high-rise luxury resorts, properties with significant recreational operations (e.g., large water parks), non-managed condominium hotels, or accounts with significant Habitational conversion issues—submit those for prior review.

Underwriting notes

• Underwriters review occupancy, fire protection, sprinkler status, recent loss history, and management experience.
• Flood and earthquake have named exceptions in higher-risk zones — see coverage highlights for standard exclusions.
• Submission should include ACORD applications, current property valuation information, protection class, loss runs, and details on alcohol exposure if applicable.
• Minimum premiums and binding conditions vary by state and account; contact our underwriting desk for account-specific thresholds and appetite guidance.

Territories and availability

Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.

Why place hospitality business with Hospitality Insurance Solutions?

• MGA expertise — underwriters who understand lodging risks and the documentation agents need to bind quickly.
• Comprehensive product set — package or pick coverages to match your client’s exposures.
• Access to competitive limits (including high umbrella and B&M limits) and hospitality-specific endorsements.
• Responsive placement support — we review submissions and provide clear underwriting feedback to help you close business.

Example scenarios: You might have a 75-room roadside motel with standard fire protection and low claims history that needs combined property and GL with liquor liability — this program can often provide packaged solutions. Or a mid-size downtown hotel seeking higher umbrella limits and boiler coverage for its mechanical plant can benefit from the B&M and umbrella capacity offered.