Ideal Accounts and Appetite
This program is ideal for limited-service hotels that cater to budget-conscious travelers and typically operate without full-service amenities like restaurants or conference centers. Think of brands and properties that focus on clean, efficient lodging with moderate rates. If you work with hotel clients who prioritize maintenance and operations efficiency, this program can help scale their liability protection efficiently.
Examples of good fits include:
- A midscale hotel chain with multiple locations across several states
- A well-maintained, independently owned limited-service property near a highway or airport
Coverage Highlights and Advantages
Distinguished Programs delivers high-limit umbrella and excess liability coverage—up to $50 million—designed to complement hospitality operations. The program includes:
- Broad coverage form including General Liability, Liquor Liability, and Auto Liability
- Hospitality GL Program with $1M/$2M limits for GL and Liquor Liability
- Broad Form Named Insured
- Crisis Response coverage
- No Legionella exclusion
- Fungi or Bacteria Limited Exclusion
- Hired and Non-Owned Auto (HNO) & Owned Autos, plus Garagekeepers coverage
Claims are handled by a dedicated hospitality claims team, ensuring knowledgeable, efficient support when your clients need it most.
Submission Process and Minimum Premium
Submissions are fast and efficient through Distinguished Programs’ online Broker Portal. While minimum premiums vary by account, the program is structured to accommodate the budget considerations of limited-service hotel operators.
Available Territories
The Express Limited Service Hotel Umbrella Insurance program is available in all 50 states and Washington, DC. Most states offer admitted coverage options, with access to various carriers through Distinguished Programs’ MGA platform.
Why Work With Distinguished Programs?
Distinguished Programs is a trusted Managing General Agency with deep expertise in hospitality-focused insurance programs. Their streamlined technology, dedicated claims support, and specialized underwriting make them a strong partner for brokers seeking hotel umbrella markets. When you place business through Distinguished, you gain access to high-limit solutions backed by knowledgeable professionals who understand the nuances of the hotel industry.
Frequently Asked Questions
What types of hotel properties are eligible for this program?
This program is designed for limited-service and midscale hotels that are well-maintained and operate with fewer amenities, such as no on-site restaurants or conference services.
What limits are available under the umbrella policy?
Umbrella and excess liability limits are available up to $50 million, depending on underwriting review.
Is this program available in all states?
Yes, the program is available in all 50 states and Washington, DC, with most states offering admitted options.
Are Liquor Liability and Auto Liability included?
Yes, the umbrella policy can include Liquor Liability and Auto Liability, along with General Liability and other coverages.
How do I submit an account for quote?
Submissions can be made easily through Distinguished Programs’ online Broker Portal for faster processing and efficient service.
Need help placing an account? Connect with a market specialist.