Hotel/Motel Insurance

Allstar Financial Group’s Hotel/Motel Insurance program simplifies placing hospitality risks for independent agents and brokers. As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar combines flexible underwriting with broad market access so you can quote and bind policies quickly for a range of hotel and motel operations. Through our Small Business Solutions division we offer both admitted and non-admitted options via multiple carrier partners to fit standard and harder-to-place accounts.

Whether the client runs a small roadside motel or a mid-size boutique hotel, our program provides tailored solutions for property, general liability, liquor liability, and umbrella exposures. Our underwriters work with you to structure terms and endorsements that match the client’s operations and risk profile.

We write a broad range of hospitality businesses, including:

• Independent hotels and motels
• Franchise-brand properties
• Extended-stay and budget lodging

We will also consider related risk types such as habitational properties, contractor exposures on-site, office/retail components, vacant buildings, and larger wholesale or institutional properties when they fit the program criteria.

Typical fits: a 40-room roadside motel seeking improved liability limits and umbrella protection, or a boutique hotel that needs property enhancement options and liquor liability coverage. Accounts with high TIVs, unusual operations, or significant prior loss activity may require additional underwriting review.

• Total Insured Values up to $5 million per location
• Available as monoline or part of a package
• No coinsurance options (varies by risk)
• Optional enhancements and equipment breakdown available

• Monoline or package options
• Minimum premiums starting at $500
• Primary limits up to $5 million/$5 million
• Project-specific policies available
• Coverage for uninsured subcontractors available
• Optional enhancements including:
• Blanket Additional Insured
• Waiver of Subrogation
• Primary Non-Contributory wording
• Per project/per location aggregate
• Hired & Non-Owned Auto (select classes)
• Misc. Professional Liability (select classes)

• Limits from $100K/$100K up to $1M/$2M
• Monoline or packaged
• Assault & Battery coverage follows GL

• Limits up to $5 million
• Minimum premium starting at $750
• Available with or without supporting coverage
• GL underlying minimums: $1M/$2M/$2M
• Carrier requirements: AM Best A-VI+ or B+++ (depending on line)

Most coverages in this program are written on a non-admitted basis through multiple carrier partners, though admitted options may be available depending on the state and exposure. Minimums vary by line: liability programs typically start around $500 and umbrella programs around $750. Submit the full risk details and recent loss runs to obtain the most competitive terms.

The Hotel/Motel program is available in Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. State availability and specific coverages can vary; please check state eligibility when submitting.

Allstar brings decades of underwriting experience and deep market access for hospitality accounts. We offer fast response times, flexible underwriting, and solutions for both commonplace and complex exposures. Working with Allstar means you get an experienced underwriter who understands the unique risks of lodging operations and can help structure terms to win the business.

If you need help placing an account or want to discuss specific program eligibility, connect with a market specialist via the link below.