Colonial General Insurance Agency, Inc. provides a focused Motel Insurance program tailored to the risks faced by lodging operations. Whether your client runs a small roadside motel, a mid-size motor inn, or a seasonal lodge, this program offers flexible Property and Liability coverages on a mono-line or packaged basis. The appetite includes hotels, motels, motor inns, tourist cabins and courts, dude ranches, and other similar hospitality businesses.
Ideal Accounts and Appetite
This program is built for businesses that provide overnight lodging and related services—food and beverage, limited recreation, and guest services. Preferred accounts have clean loss histories, basic risk management in place, and clear property descriptions. Strong fits include a family-owned 40-room motel in a tourist corridor or a lakeside lodge offering seasonal cabins and limited on-site dining. Accounts with large conference operations, extensive spa facilities, or significant tenant-occupied space may require additional underwriting review or alternative markets.
Coverage Highlights and Advantages
Commercial General Liability Coverage Includes:
- Primary limits up to $3,000,000 Occurrence/Aggregate
- $5,000 Medical Payments—included
- Additional interests included at no charge
- Hired and Non-Owned Auto Liability
- Innkeepers Liability
- Liquor Liability
- Excess/Umbrella capacity up to $25,000,000
- Loss prevention brochure available to insureds
Property Coverage Includes:
- Building and contents coverage
- Basic, Broad, or Special form options
- Business Income and Extra Expense
- Computer equipment and valuable papers
- Equipment breakdown protection
- Food spoilage coverage
- Accounts receivable coverage
- Inland marine and outside signs
- Replacement cost or actual cash value valuation options
Crime Coverage Includes:
- Inside the premises—theft of money and securities
- Inside the premises—robbery or safe burglary of other property
- Outside the premises coverage
Underwriting Notes
Colonial General works with a mix of admitted and surplus markets to place both standard and hard-to-place risks. Provide clear operations descriptions, recent loss runs, and up-to-date property details to help underwriters assess exposures and speed placement. While minimum premiums vary by market and state, the program is structured to handle small to mid-sized lodging risks as well as accounts requiring higher limits or specialty enhancements.
Territories and Availability
This Motel Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines deep hospitality underwriting expertise with broad market access. Agents benefit from tailored coverage options (including innkeepers and liquor liability), high liability limits, and a streamlined submission process. Colonial General’s relationships with multiple admitted and non-admitted carriers help place accounts that need flexible terms or niche enhancements.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Hotels, motels, motor inns, resorts, tourist cabins, tourist courts, and dude ranches are strong candidates—particularly operations focused on overnight lodging with limited ancillary exposures.
Is this program available on an admitted or non-admitted basis?
Colonial General can access both admitted and non-admitted markets. The placement depends on the account’s size, location, and specific exposures.
What limits are available under the General Liability coverage?
Primary liability limits are available up to $3,000,000 Occurrence/Aggregate, with excess or umbrella capacity up to $25,000,000.
Which states is this program offered in?
This program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY.
Does the program include Liquor or Innkeepers Liability?
Yes. Liquor Liability and Innkeepers Liability are available, subject to underwriting review and any state-specific requirements.
Need help placing an account? Connect with a market specialist.