Comprehensive insurance solutions for hotels, motels, bed & breakfasts, and inns
Continental Risk / Continental Marine Insurance Services offers a hospitality-focused insurance program designed for agents who need flexible placement options and broad market access. Whether your client runs a franchised hotel, a roadside motel, a small bed & breakfast, or a boutique inn, this program provides core property, liability, and ancillary coverages to address common hospitality exposures.
Ideal accounts and appetite
This program is built for a wide range of hospitality risks, including:
- Roadside and limited-service motels
- Franchised and independent hotels
- Bed & Breakfast inns and small guesthouses
- Small boutique hotels and resort-style properties
Agents can submit both standard and harder-to-place risks. Properties with on-site restaurants, lounges with alcohol service, pools, or older construction are eligible for consideration—subject to underwriting review. While the program can handle accounts with prior claims or unique locations, higher hazard operations (large resorts with extensive recreational exposures, high-risk nightclubs, or casinos) may require specialty placement outside this program.
Coverage highlights and advantages
The program combines core protections with optional enhancements so you can tailor a package to each account:
- General Liability: $1M per occurrence / $2M aggregate
- Liquor Liability: Up to $1M aggregate for locations that serve alcohol
- Property Coverage: Up to $5M Total Insured Value (TIV) per location
Available enhancements include hired & non-owned auto liability, employee benefits liability, and equipment breakdown coverage. This flexibility helps reduce coverage gaps and simplifies placement by keeping multiple lines under one program where appropriate.
Underwriting notes and minimum premiums
Underwriters review each submission on its individual merits. Appetite is broad, but acceptable terms depend on location, occupancy type, prior loss history, and building construction. Minimum premiums and specific terms vary by state and risk profile; your Continental Risk underwriter will confirm applicable minimums during submission review. Provide full loss runs and details on amenities (restaurants, pools, guest events) to accelerate accurate underwriting decisions.
Territories and availability
The program is available in most U.S. states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Some states offer admitted products while others are placed non-admitted through Continental Risk’s excess & surplus lines carrier network.
Why work with Continental Risk / Continental Marine Insurance Services?
As an experienced excess & surplus lines broker, Continental Risk delivers market access for routine and difficult hospitality placements. The firm combines underwriting relationships across admitted and non-admitted carriers with hands-on support for agents who need timely quotes and creative solutions.
Practical advantages for agents include: experienced E&S broking, willingness to consider prior losses and unique locations, consolidation of multiple lines under one program, and nationwide availability across admitted and non-admitted markets.
Example scenarios that fit this program
- You have a 60-room franchised motel in a highway corridor with an on-site diner and occasional liquor service—the program can provide GL, liquor liability, and building coverage with flexible placement options.
- A couple operates a historic B&B in a small town with eight guest rooms and a small breakfast kitchen; the program can address property values up to the per-location TIV limit and offer liability coverage tailored to guest exposures.
Getting submissions started
To submit a risk, provide completed applications, current loss runs, occupancy details, and building information. Continental Risk underwriters will work with you to identify admitted or E&S placement and to clarify minimum premium requirements for each state.
To learn more or submit a risk, visit our company profile or contact us directly at 866-699-2747.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Franchised and independent hotels, roadside motels, bed & breakfasts, and small inns are ideal. The program also considers properties with amenities like pools or on-site dining.
Are risks with prior claims eligible?
Yes. Accounts with prior losses are considered on a case-by-case basis; full loss runs and details help underwriters evaluate eligibility and terms.
Is liquor liability coverage available?
Yes. Liquor liability is available, with limits up to $1M aggregate for locations that serve alcohol.
What is the maximum property value you can cover?
Property coverage is available up to $5M Total Insured Value (TIV) per location, subject to underwriting approval.
In which states is the program available?
The program is available in most U.S. states, with admitted options in some states and non-admitted placement through our E&S carrier network where necessary.
Need help placing an account? Connect with a market specialist.