Baldinger Insurance offers a specialized insurance program designed for
franchised and independently owned interior entrance hotels and motels.
Our hospitality team understands the unique risks hotel owners face – from guest
injuries and property damage to non-owned auto exposure and employment-related
issues. We've built a focused program that helps protect your balance sheet while
meeting franchise and lender requirements.
Who Is This Hotel & Motel Program For?
This program is designed for established hotel and motel operations that maintain
professional standards and a safe environment for their guests. We focus on:
- Franchised interior entrance hotels and motels
- Independently owned interior entrance hotels and motels
- Single or multi-location hospitality accounts
Properties must be in business for at least three years with verifiable loss runs.
New ventures or newly purchased risks are not eligible at this time. We're looking for
well-managed locations that are committed to guest safety and strong risk management
practices.
Key Program Highlights
The Baldinger Insurance hotel program is structured to meet the coverage needs of
modern hospitality operations while maintaining clear underwriting guidelines.
Highlights include:
- Minimum premium: $7,500
- 3+ years in business with currently valued loss runs
- Interior corridor properties only – no exterior entrances
- No Bed & Breakfast risks or properties with kitchenettes
- Properties must be rated three stars or higher
- No contracts to house the homeless and/or migrants at any risk
- Human Trafficking exclusion attached on all risks
- Assault & Molestation exclusion – varies by risk
These guidelines help us focus on hotels and motels that take safety, security and
guest experience seriously – which can lead to more stable pricing and coverage
options over time.
Available Coverages for Hotels & Motels
We combine core liability protection with hospitality-specific enhancements. Available
coverages include:
- Full A&B Limits (Assault & Battery)
- Defense Outside the Limits options
- Hired & Non-Owned Auto (HNOA) liability
- Innkeepers Liability for guest property exposures
- Employee Benefits Liability (EBL)
Together, these coverages help address many of the loss scenarios that hotel and
motel operators worry about – from guest altercations on premises to incidents
involving staff using their own vehicles for hotel business.
Submission Requirements
To obtain a quote through Baldinger Insurance, please provide a complete submission.
Underwriters need enough data to properly evaluate your hospitality risk and deliver
competitive terms. For consideration, we require:
- Completed target information
- Applicable ACORD applications
- Program supplement
- Five years of currently valued loss runs
Providing a clean, organized submission with full details on each hotel or motel
location will help speed up the quoting process and improve the quality of the terms
offered.
Why Work With Baldinger Insurance for Hotel Coverage?
Hotels and motels face a unique combination of premises liability, guest safety and
operational exposures that don't fit neatly into a generic commercial package policy.
Baldinger Insurance focuses on the hospitality sector and understands:
- Franchise standards and how they impact insurance requirements
- How guest ratings, security measures and maintenance practices affect loss trends
- The importance of consistent coverage across multiple locations
- The need for clear policy language around high-severity exposures
Our goal is to help you protect your brand, safeguard your guests and keep your
hospitality operation running smoothly after a loss.
FAQs – Hotel & Motel Insurance Program
What types of hotel properties are eligible?
We write franchised and independently owned interior entrance hotels and motels that
are at least three-star properties and have a minimum of three years in business with
verifiable loss runs.
Can you write multi-location hotel accounts?
Yes. We can accommodate single or multi-location accounts as long as each location
meets program guidelines and underwriting requirements.
How do I get started?
Simply gather the required ACORDs, program supplement and five-year currently valued
loss runs and submit them along with your target information. A Baldinger Insurance
hospitality specialist will review the account and work with your retail agent or
broker to provide terms.
If you are looking for a focused hotel and motel insurance program
with hospitality-specific coverages, underwriting expertise and responsive service,
contact Baldinger Insurance today to discuss your next submission.