Full Service, Luxury & Resort Primary Casualty Program from National Specialty Underwriters (NSU)
National Specialty Underwriters (NSU), a Managing General Agency with deep expertise in hospitality risks, offers a proprietary General Liability and Auto program tailored for upscale, luxury, and resort-class hotels. This program provides comprehensive coverage and top-tier claims management designed to meet the unique exposures of full-service hospitality operations.
Launched in 1995 as the first of its kind, the Full Service, Luxury & Resort Primary Casualty Program has been a longstanding leader in this specialized market. NSU delivers hotel-specific enhancements and hands-on risk management guidance to help agents support clients with complex operations and high guest expectations.
Ideal Accounts and Target Clients
This program is specifically designed for:
- Upscale, full-service hotels with multiple amenities
- Luxury resorts with high-end guest services and recreational offerings
- Hospitality groups operating multiple properties or resort campuses
Ideal accounts may include properties with restaurants, spas, golf courses, shuttle services, valet parking, and other amenities that introduce layered liability exposures. If you have clients with unique service offerings or higher-than-average guest interaction, this program is built to address those complexities.
Coverage Highlights and Advantages
Key features of the program include:
- Admitted coverage in most states, backed by A.M. Best A-rated carriers
- Specialized General Liability and Auto coverage for hotels and resorts
- Claims handled by Certus Claims Administration, LLC – a Distinguished Programs company with hospitality claims expertise
- Custom coverage enhancements tailored to hospitality risks
- Risk consultation and training resources for your insureds
Whether your client operates a boutique beachfront resort or a large-scale luxury hotel, NSU’s program is designed to give you the underwriting flexibility and claims support needed to protect high-profile properties.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on property type, size, and scope of operations. Submissions should include detailed exposure information, especially for amenities such as pools, nightlife, or transportation services. NSU’s underwriters are experienced in evaluating nuanced hospitality risks and are available to assist with structuring the right solution for your client.
Territories and Availability
This program is available in most states, including but not limited to CA, FL, NY, TX, AZ, CO, WA, and NV. NSU offers admitted coverage in the majority of these states. Please contact NSU for specific state availability and eligibility requirements.
Why Work With National Specialty Underwriters (NSU)?
NSU brings decades of experience and focused expertise in the hospitality industry. As a trusted MGA, NSU provides agents with:
- Proprietary programs developed for niche markets
- Access to top-rated carriers and customized coverage forms
- Responsive underwriting and claims teams with hospitality insight
- Risk management tools to support your clients' operations
If you're looking to place full-service or luxury resort accounts with complex exposures, NSU’s program gives you the tools and support to succeed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program targets upscale, full-service hotels and luxury resorts with amenities like restaurants, spas, golf courses, or shuttle services.
Is the coverage admitted?
Yes, coverage is admitted in most states and backed by A.M. Best A-rated carriers.
What makes this program different from standard hotel insurance?
It includes proprietary hospitality-specific enhancements, experienced claims handling by a hospitality-focused TPA, and risk management support tailored to hotel operations.
Who handles claims for this program?
Claims are handled by Certus Claims Administration, LLC, a Distinguished Programs company specializing in hospitality claims.
What is the minimum premium for this program?
Minimum premiums vary based on the size and complexity of the operation. Contact NSU for underwriting details.
Need help placing an account? Connect with a market specialist.