Umbrella Insurance for Limited Service Hotels
National Specialty Underwriters (NSU) offers a focused Limited Service Hotel Umbrella Insurance program built for the needs of select-service and limited-amenity properties. Whether the property is franchised or independently owned, this program provides scalable excess liability protection that helps satisfy franchise and lender requirements while protecting client assets from catastrophic losses.
Ideal Accounts and Target Appetite
This program is designed for hotels with limited amenities—select-service lodging, minimal meeting space, and modest food & beverage operations. NSU accepts a wide variety of property types and operating models, including:
- High-rise or low-rise buildings
- External or internal corridors and room egress
- All construction types
- Properties with on-site food and beverage exposure
Typical fits include limited service hotels under national brands, boutique properties with minimal additional services, and independent motels that need umbrella limits to meet franchise or lender standards.
Coverage Highlights and Advantages
NSU’s Limited Service Hotel Umbrella program provides excess liability limits ranging from $5 million up to $100 million. Coverage can sit over primary general liability, commercial auto liability, and employer’s liability to deliver broad protection for large liability settlements and judgments.
Key advantages for agents and brokers:
- Limits available from $5M to $100M
- Admitted paper in most states through A.M. Best A-rated carriers
- Program terms that meet most hotel franchise insurance requirements
- Fast underwriting turnaround and prompt quote delivery for qualifying submissions
- Competitive pricing supported by NSU’s program volume and carrier relationships
Underwriting Considerations and Minimum Premiums
NSU emphasizes efficient underwriting and competitive pricing. Minimum premiums and final terms vary by account and are subject to underwriting review. Appetite will depend on factors such as location, construction, occupancy, and loss history. Accounts with recent severe liability losses, unmanaged safety exposures, or extensive liquor liability concerns may require additional review or be declined.
Territories and State Availability
The program is available in most states. NSU writes on admitted paper in many jurisdictions. Representative states include CA, TX, FL, NY, IL, GA, WA, AZ and the broader list of states where NSU is active. Contact NSU to confirm availability and admitted status for a specific state.
Why Work With National Specialty Underwriters?
As a Managing General Agency focused on hospitality risks, NSU combines underwriting expertise, market access, and program scale to help agents place limited service hotel umbrella business efficiently. NSU’s service model prioritizes quick responses, practical underwriting guidance, and access to admitted carriers that many franchise agreements require.
Example Scenarios
- You have a franchised limited service hotel with minimal meeting space seeking $10M in umbrella limits to satisfy the brand's insurance requirements—NSU can provide admitted excess capacity and responsive turnaround.
- An independent motel with a small food service operation needs higher limits after refinancing—this program can layer over the client's existing primary policies to provide the required protection.