Hotel/Motel Insurance Coverage

This program targets limited-service hotels and motels that primarily host short-term guests. Typical accounts include:

• Franchise and independent limited-service hotels with no on-site full-service restaurants
• Properties offering limited amenities such as a pool or fitness center
• Urban, suburban, and highway-corridor locations

Underwriting favors properties with documented maintenance, clear safety protocols, and a responsible management history. Clean loss records and recent property updates improve placement prospects.

The program packages core property and casualty protections tailored to hotel and motel operations, including:

• Property — building and business income, plus optional wind, ordinance & law, and equipment breakdown coverages
• General Liability — including liquor liability where alcohol service is provided
• Innkeepers Legal Liability — protection for guest property loss or damage
• Hired & Non-Owned Auto Liability — for rented or employee-owned vehicle exposures
• Employee Benefits Liability — coverage for administrative errors in employee benefits
• Umbrella/Excess — to extend liability limits where needed

These components are arranged to address guest-related incidents, premises exposures, and business interruption risks common to limited-service lodging.

Policies are placed on a non-admitted basis through various carrier partners. Minimum premiums vary by property size, location, and risk profile. Underwriting emphasis is placed on operational quality, maintenance history, security and safety protocols, and loss history. Provide recent inspection reports, risk control measures, and claims history to speed submissions.

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, Advanced E&S Group - Southeast Region combines hospitality risk expertise with access to multiple non-admitted carriers. Their underwriting approach is practical and focused on placing accounts that meet safety and maintenance standards. The program is well suited for single locations or small chains and aims to help you place business that may be challenging in admitted markets.

Example scenarios that frequently fit: a recently renovated 60-room limited-service property with a strong housekeeping program and minimal liability exposures; or a small franchise motel on a highway corridor that needs inland and liability coverage but does not offer on-site dining.