PRIME: Commercial Umbrella Programs for Hotels & Motels
New Empire Group offers a specialized Commercial Umbrella Insurance Program tailored for hotels and motels. Designed to provide extra liability protection beyond standard underlying policies, this program is an excellent solution for hospitality risks that need higher coverage limits due to their exposure to guest liability, employee incidents, or property-related claims.
Through our PRIME umbrella programs, we offer flexible limit options of $5 million, $10 million, $15 million, $20 million, or $25 million. This coverage is available on a fully-admitted basis in all 50 states plus Washington, DC, giving agents and brokers broad access and peace of mind when placing business.
Ideal Accounts and Appetite
This program is designed specifically for:
- Franchised hotels and motels
- Independent lodging properties with stable operations
- Hotel ownership groups seeking portfolio-wide umbrella coverage
You might have a client who owns a multi-location hotel chain along a major interstate or a standalone resort property in a tourist destination. Our program is well-suited to these types of risks, especially when higher liability limits are required to meet franchise or lender mandates.
Coverage Highlights and Advantages
- Available umbrella limits up to $25 million
- Fully admitted paper in all available states
- Backed by top-tier carriers including Chubb, AIG, Crum & Forster, and Ohio Casualty
- Broad appetite for real estate and hospitality-related exposures
Our umbrella coverage is designed to sit over a variety of primary policies, including general liability, auto liability, and employer’s liability. This allows agents to offer hospitality clients a seamless layer of excess protection with confidence in the underlying carrier relationships.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by territory and account characteristics. Our underwriting team works closely with appointed agents to evaluate each risk and tailor the umbrella solution accordingly. We encourage agents to submit complete, well-documented accounts to streamline the underwriting process.
Territories and Availability
This Commercial Umbrella Program for Hotels & Motels is available in all 50 states and Washington, DC. Coverage is provided on an admitted basis, giving your clients the benefits of regulatory compliance, stability, and broader acceptance from lenders and stakeholders.
Why Work With New Empire Group?
New Empire Group is a trusted Program Administrator with deep expertise in real estate and hospitality risks. We offer market access to top-rated carriers and provide responsive, knowledgeable support to brokers and agents nationwide. Our umbrella programs are built with flexibility and real-world exposure in mind—giving you the tools to protect your clients and grow your book of business.
For more information about our Commercial Umbrella Insurance Programs and other specialty offerings at New Empire Group, please give us a call or send us an email.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Franchised and independent hotels, motels, and lodging groups looking for additional liability coverage are ideal candidates. The program is especially suited for risks requiring higher umbrella limits.
What umbrella limits are available under this program?
Limits are available at $5M, $10M, $15M, $20M, and $25M, depending on underwriting and account qualifications.
Is this program available in all states?
Yes, the Commercial Umbrella Program is admitted and available in all 50 states and Washington, DC.
Which carriers support this umbrella program?
Coverage is backed by leading carriers such as Chubb, AIG, Crum & Forster, and Ohio Casualty.
What is the minimum premium for this coverage?
Minimum premiums vary by territory and risk profile. Contact New Empire Group for a customized quote based on your client’s needs.
Need help placing an account? Connect with a market specialist.