Comprehensive Data Breach & EPLI Coverage for Hotel Risks
Insurance Programs of America (IPOA) offers a specialized solution for hospitality risks through its exclusive Data Breach & Employment Practices Liability Insurance (EPLI) program. Designed specifically for hotels, this program provides a powerful combination of EPLI with wage and hour lawsuit protection, alongside critical Data Breach coverage to address evolving cybersecurity exposures.
Ideal Accounts and Appetite
This program is best suited for hospitality operations such as:
- Franchised and independent hotels and motels
- Resort properties with 24/7 staff and guest data exposure
- Hospitality groups with multiple locations seeking streamlined coverage
If you have hotel clients concerned about employee-related claims or the fallout from a data breach, this program offers tailored protection under one roof.
Coverage Highlights and Advantages
Through IPOA’s exclusive arrangement, your clients receive robust protections, including:
- Employment Practices Liability Insurance (EPLI) with wage and hour lawsuit coverage
- Data Breach coverage with separate limits for third-party claims
- Breach response support including legal counsel, forensic investigation, and notification costs
- Credit monitoring services through bureau partners
- Privacy, network security, and media liability under a separate limit
- Crisis management sublimit for public relations support
- $100,000 PCI sublimit included
These features are designed to help insureds recover quickly and responsibly from cyber incidents while staying protected from internal employment-related exposures.
Underwriting Notes and Minimum Premiums
The program is written on a non-admitted basis through multiple trusted carriers. IPOA provides a streamlined underwriting process, including a fast-track premium indication form to get quick quotes for EPLI with optional Data Breach coverage. The minimum premium for this program starts at $10,000.
Agents can access the premium indication form directly by clicking HERE.
Territories and Availability
This program is available in all 50 states and Washington, DC. Whether your client is a single-location property in Florida or a hotel group spanning multiple states, IPOA has the underwriting reach and flexibility to handle national hospitality risks.
Why Work With Insurance Programs of America
As a Managing General Underwriter and Excess & Surplus Lines Broker, IPOA specializes in delivering niche programs with deep industry insight. With dedicated underwriting and responsive service, IPOA is a strong partner for agents and brokers seeking tailored solutions for hotel clients facing both employment and cyber liability risks. Their fast-track process and exclusive market access make it easy to quote and bind competitive coverage packages.