Ideal Accounts and Appetite
This program is tailored for full-service hotels and resorts and is well-suited to accounts that combine lodging with entertainment, dining, and transportation services, including:
- On-site restaurants, bars, and lounge facilities
- Meeting, banquet, and event space
- Room, bell, and concierge services
- Casino operations — including tribal, riverboat, and hotel-casinos
- Spas, nightclubs, and liquor service exposures
- Valet and livery operations (passenger vans, limousines)
- Recreational amenities such as pools, golf courses, marinas, and beaches
- On-site entertainment: theaters, bowling, childcare, and similar services
If your client’s property mixes lodging with active entertainment, food & beverage, and guest transportation, this program is designed to match that complexity.
Coverage Highlights and Advantages
- Limits available up to $180 million
- Competitive pricing and pre-layered structures to streamline placement
- Hospitality-specific coverage enhancements and broad amenity protection
- Options that meet most brand and franchise coverage requirements
- Eligibility for both hotel owners and management companies
- Admitted placements with A.M. Best A–rated carriers available in most states
The program’s hospitality-focused design reduces the need to cobble together multiple excess solutions and helps agents present a clear, market-ready capacity solution to clients.
Underwriting Notes and Minimum Premiums
Distinguished Programs can follow most underlying carriers rated A- VII or better by A.M. Best. Minimum premiums vary by account size, exposures, and location; the underwriting team uses more than 20 years of hospitality experience to evaluate risk efficiently and provide timely responses. Provide complete exposure details and underlying schedules to accelerate turnaround.
Territories and Availability
The Hotel, Resort, and Casino Umbrella Program is available across all 50 states and Washington, D.C., with admitted coverage options in most states. Whether the risk is a beachfront resort in Florida or a casino hotel in Nevada, Distinguished Programs can assist with placement and admitted/non-admitted structuring where appropriate.
Why Work With Distinguished Programs?
Distinguished Programs is an established MGA focused on the hospitality niche. Their underwriters understand hotel and resort operations and work with carrier partners to provide high-limit capacity and admitted placement where needed. Agents benefit from a streamlined submission process, hospitality-specific endorsements, and experienced loss control and claims guidance.
Example fits: You might have a client who operates a 300-room beachfront resort with multiple F&B outlets, a spa, and a small marina needing excess limits above primary liability; or a casino hotel with event/conference space and valet operations seeking consolidated umbrella capacity. Both scenarios are the type of accounts this program is built to serve.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Full-service hotels, resorts, and casino properties—especially those with amenities like nightclubs, golf courses, spas, marinas, theaters, or significant food & beverage operations.
Is casino exposure eligible under this umbrella program?
Yes. The program accepts casino hotels, including tribal and riverboat casinos, within its hospitality appetite.
What are the coverage limits available?
Limits are available up to $180 million, subject to the account’s risk profile and underwriting review.
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 A.M. Best; provide complete underlying schedules and carrier ratings when you submit.
Need help placing an account? Connect with a market specialist.