Overview — Amwins Underwriting: Resorts Workers' Compensation Program
Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, offers a Resorts Program designed for sophisticated guaranteed-cost buyers in the hospitality and leisure sector. Coverage is provided through an A- XI rated admitted carrier and both claims handling and loss control are managed by resorts industry specialists. This program is written for accounts with higher-touch risk profiles that benefit from experienced underwriting and field-level loss control.
Ideal accounts and appetite
The program targets hospitality and leisure businesses with complex operations and multi-activity exposures, including:
- Ski resorts (note higher minimums — see underwriting notes)
- Destination resorts and resort hotels with multiple leisure and recreation activities
- Boutique hotels and destination spa hotels
- Golf resorts and country clubs with on-site lodging
- Sportsman lodges and country inns
Underwriters look for insureds with formal safety programs, active loss-control engagement, and claims environments that can benefit from specialized claims management.
Coverage strengths and program advantages
- Admitted market placement through an A- XI rated carrier — fits agents placing insureds that require admitted paper.
- Claims and loss control managed by resorts industry specialists familiar with hospitality exposures and seasonal operations.
- Program structure supports multi-activity locations (e.g., lodging + ski operations + recreational programming) with coordinated underwriting and field support.
- Flexible maximum — there is no stated maximum premium for eligible accounts, allowing placement of larger programs when appropriate.
Underwriting notes and minimum premiums
Minimum premium: $25,000 standard. For ski facilities and higher-hazard exposures, minimum premium is $75,000. There is no stated maximum premium. Underwriters will review loss history, controls, seasonal staffing practices, and any specialty operations (e.g., lifts, on-site adventure activities).
Restrictions and classes outside the program
The program excludes several high-hazard or specialized classes. Typical accounts outside scope include:
- Asbestos or lead abatement maintenance
- Professional employer organizations (PEOs)
- Demolition
- Elevator erection or repair
- Telephone or cable line installation
- Tree pruning, removal or logging
- Long-haul trucking
Territories and availability
Admitted capacity is available across the states listed below. Agents should confirm state eligibility during submission.
States available: 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI
Why place this business with Amwins Underwriting
- Specialized underwriting and program design tailored to resorts and multi-activity hospitality operations.
- Industry-focused claims and loss-control resources help manage seasonal staffing, guest activities, and unique property operations.
- Admitted paper through a rated carrier makes this program a fit for insureds requiring state-filed policies.
- Scalable — capable of handling larger premium placements without a stated maximum.
Example scenarios that fit this program
- You have a destination resort that operates lodging, a day spa, guided outdoor activities, and a small ski area — the program can consider the combined exposures under one admitted policy with resort-focused loss control.
- A boutique hotel chain with on-site recreational offerings and a proactive safety program that requires admitted coverage and specialized claims handling.
For additional program details, submission requirements, and actuarial or loss-control guidelines, please review Amwins’ program web page: https://www.amwins.com/products/resorts-insurance-program-niche-workers-comp-amwins or visit the company profile on CompleteMarkets: https://completemarkets.com/company/Amwinsunderwriting.