Ideal Accounts and Appetite
This program is built for full-service hotels and resorts, including those with:
- Restaurants and lounge facilities
- Meeting and event space
- Room and bell services
- Casino operations—including tribal, riverboat, and hotel-casinos
- Spas, nightclubs, and liquor services
- Valet and livery services (passenger vans, limos)
- Recreational amenities such as pools, golf courses, marinas, and beaches
- Entertainment and leisure such as theaters, bowling alleys, and childcare
If you're working with properties that combine lodging with entertainment, dining, and transportation services, this program may be a perfect fit.
Coverage Highlights and Advantages
- Limits up to $180 million
- Highly competitive pricing
- Custom coverage enhancements built for hotels and resorts
- Broad coverage for a wide array of hotel amenities and operations
- Meets most brand and franchise coverage requirements
- Coverage available for both hotel owners and management companies
- Admitted A.M. Best A–rated carriers in most available states
This umbrella program stands out for its hospitality-specific design, making it easier for agents to deliver comprehensive excess coverage without piecing together multiple solutions.
Underwriting Notes and Minimum Premiums
This program can follow most underlying carriers rated A- VII or better by AM Best. Minimum premiums vary based on account size, exposures, and location. The underwriting team at Distinguished Programs brings over 20 years of experience in the hospitality niche, ensuring thoughtful risk evaluation and efficient turnaround.
Territories and Availability
The Hotel, Resort, and Casino Umbrella Program is available in all 50 states and Washington, D.C., with admitted coverage available in most states. Whether your client operates a beachfront resort in Florida or a casino hotel in Nevada, Distinguished Programs can help you place the right excess liability coverage.
Why Work With Distinguished Programs?
Distinguished Programs is a trusted MGA with a long-standing focus on the hospitality sector. Their dedicated underwriting team understands the unique risks faced by hotels and resorts, and they offer a streamlined process for brokers looking to place complex accounts. With strong carrier relationships, admitted options, and a competitive structure, this program helps you deliver trusted solutions to your hospitality clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for full-service hotels, resorts, and casino properties—especially those with amenities like nightclubs, golf courses, spas, marinas, or theaters.
Is casino exposure eligible under this umbrella program?
Yes. The program accepts casino hotels, including tribal and riverboat casinos, as part of its broad hospitality appetite.
What are the coverage limits available?
Limits are available up to $180 million, depending on the account and risk profile.
Which states is this program available in?
This umbrella program is available in all 50 states and Washington, D.C., with admitted options in most states.
Can this program follow any underlying carrier?
It can follow most underlying carriers rated A- VII or better by AM Best.
Need help placing an account? Connect with a market specialist.