Allstar Financial Group

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Allstar Financial Group

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Hotel/Motel Insurance

Hotel/Motel Insurance

Allstar Financial Group’s Hotel/Motel Insurance program is designed to help agents and brokers place comprehensive coverage for hospitality operations. Through our Small Business Solutions division, we make it simple to quote and bind policies quickly, giving your clients the protection they need and the service you expect. As a Managing General Underwriter and E&S Broker, Allstar offers flexible underwriting and market access for a range of standard and hard-to-place risks.

Whether your client operates a small roadside inn or a mid-size boutique hotel, we provide tailored coverage options for property, casualty, liquor liability, and umbrella exposures. Our underwriting team is ready to help you navigate complex risks and respond with competitive solutions.

Ideal Accounts and Risk Appetite

We target a broad range of hospitality businesses, including:

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

In addition, we can consider a variety of risk types such as:

Habitational
Contractors
Offices and Retail
Vacant buildings
Wholesale and Institutional properties

You might have a client who owns a 40-room motel in Georgia or a boutique hotel in Virginia looking for better umbrella and liability coverage—our program is built to handle these types of accounts with ease.

Coverage Highlights

Property Coverage

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

Casualty Coverage

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)

Liquor Liability (available in NC, SC, GA, TN, VA)

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

Umbrella Coverage

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)

Territories and Availability

Our Hotel/Motel Insurance program is available in the following states: Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Most coverages are written on a non-admitted basis through multiple carrier partners.

Why Work With Allstar Financial Group?

Allstar Financial Group brings decades of underwriting experience and deep market access to your hospitality accounts. Our team offers fast response times, flexible underwriting, and a commitment to helping agents succeed. Whether you're placing a new venture or trying to solve coverage gaps for an established business, we provide the tools and expertise to help you close the deal.

We understand the challenges hospitality businesses face—from liability arising from third-party injuries to property damage and liquor liability exposures. Partner with Allstar to give your clients the peace of mind they need and the service they deserve.

Frequently Asked Questions

What types of hotel or motel accounts are ideal for this program?

We target independent and franchise hotels, motels, extended-stay properties, and select habitational risks with TIVs up to $5 million per location.

Can I write a monoline property or liability policy through this program?

Yes, both monoline and package options are available depending on the risk type and coverage needs.

Is liquor liability included automatically?

No, liquor liability is available as an optional coverage in select states (NC, SC, GA, TN, VA) and can be written monoline or packaged.

What states is this program available in?

The program is currently available in AL, GA, LA, MS, NC, SC, TN, and VA.

What are the minimum premiums?

Minimum premiums vary by coverage type—liability starts at $500 and umbrella starts at $750.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

Provider Type:

Managing General Underwriter and Excess & Surplus Lines Broker

Admitted:

Most Available States

Carriers:

Carrier Ratings:

A

Commission:

-

Min Premium:

varies

Coverages:

Coastal Properties Insurance Commercial Umbrella Programs for Hotels & Motels Insurance Hotel/Motel Chains Insurance Hotel/Motel Crime Insurance Hotels General Liability Insurance Hotels Pollution Coverage Insurance Hotels Umbrella Liability Insurance Resort Hotels Umbrella Liability Insurance Resorts-Hotels and Motels Workers Compensation Insurance Umbrella Liability - Hotels & Motels Insurance

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Allstar Financial Group has other insurance programs like Apartment/Condo Insurance.

Allstar Financial Group

Allstar Financial Group

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Hotel/Motel Insurance

Frequently Asked Questions

What types of hotel or motel accounts are ideal for this program?

Can I write a monoline property or liability policy through this program?

Is liquor liability included automatically?

What states is this program available in?

What are the minimum premiums?

U.S. States Available