Hotel/Motel Insurance Coverage

This program is best suited for limited-service hotels and motels that primarily serve short-term guests, including business travelers. Ideal accounts may include:

• Franchise and independent hotels with no on-site restaurants
• Properties with limited amenities such as pools or fitness centers
• Locations in urban, suburban, or highway corridor settings

Accounts with a history of responsible management, safety protocols, and updated property features are more likely to be a good fit.

The program offers a comprehensive package of property and casualty coverages including:

• Property coverage for building and business income, including wind, ordinance & law, and equipment breakdown
• General Liability coverage with liquor liability included for properties offering alcohol services
• Innkeepers Legal Liability to protect against guest property loss or damage
• Hired & Non-Owned Auto Liability for businesses that use rented or employee-owned vehicles
• Employee Benefits Liability coverage for potential administrative errors in managing employee benefits
• Umbrella/Excess coverage to extend liability limits as needed

These coverages are structured to address the unique exposures of hotel and motel operations, from guest-related incidents to business interruption risks.

The program is written on a non-admitted basis through various carriers. Minimum premiums vary depending on the size, location, and risk profile of the property. Underwriting focuses on the quality of operations, maintenance history, and guest safety protocols. Loss history and property updates are also key considerations.

This Hotel/Motel Insurance Coverage program is available in most U.S. states, including but not limited to FL, GA, TX, CA, NY, and NC. Eligible states include:

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

As a Managing General Agency (MGA), Advanced E&S Group - Southeast Region brings deep expertise in hospitality risks and access to multiple carriers for non-admitted placements. Their tailored underwriting approach and flexible coverage options help agents place business confidently and efficiently. Whether you’re working with a single-location property or a small chain, this program provides the tools to help protect your insureds and grow your book of business.