Overview of the Motel Insurance Program
Southern Insurance Underwriters, Inc. (SIU) offers a specialized Motel Insurance program designed for hotel and motel operations that meet specific underwriting guidelines. This program provides access to admitted markets with strong carrier backing and flexible underwriting for properties with exterior entry rooms—an often underserved segment of the hospitality industry.
Whether your client owns a small roadside motel or a non-chain hotel with up to four stories, SIU delivers tailored coverage solutions with a competitive edge. This program is ideal for agents seeking a reliable partner to place hospitality risks across Alabama, Georgia, and South Carolina.
Ideal Accounts and Appetite
This program targets:
- Independently owned motels and hotels
- Properties with exterior access guest rooms
- Operations with or without swimming pools
- Buildings up to four stories in height
- Accounts with Total Insured Values (TIV) up to $3 million without reinsurance
Non-chain properties—especially those in secondary or tertiary markets—are often a strong fit. You might have a client operating a 30-room roadside motel with a pool in rural Georgia; this program is built to accommodate that type of risk.
Coverage Highlights and Advantages
- Admitted coverage available through multiple “A” rated carriers
- General Liability limits from $300,000/$600,000 up to $2M/$4M
- Property enhancement endorsement includes over 20 additional coverages
- Inland Marine and Auto coverage available
- Workers’ Compensation markets accessible when needed
- Surplus lines (E&S) markets available for risks that fall outside standard guidelines
This comprehensive offering allows you to protect your clients from a full range of exposures—from guest injuries and property damage to business interruption or equipment loss.
Underwriting Notes and Minimum Premiums
SIU underwrites each account individually, with flexible options based on the risk profile. Minimum premiums vary depending on size, location, and coverage selected. The program exhibits a high hit ratio for qualifying motel and hotel risks, especially those not affiliated with national chains.
Territories and Availability
This program is currently available in the following states:
- Alabama (AL)
- Georgia (GA)
- South Carolina (SC)
Agents with hospitality clients in these states can access both admitted and E&S options, allowing for broader placement opportunities.
Why Work With Southern Insurance Underwriters, Inc.?
As a Managing General Agency (MGA), Southern Insurance Underwriters brings decades of underwriting expertise and strong carrier relationships to the table. Their focused approach to motel and hotel risks—especially those with exterior entries—helps agents place business efficiently and competitively. With tailored underwriting, flexible options, and access to both standard and non-admitted markets, SIU is a dependable partner for your hospitality risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Independently owned motels and hotels with exterior entry rooms, up to four stories, with or without pools, and TIVs up to $3 million are ideal candidates.
Is this program admitted or non-admitted?
The program is primarily admitted, but E&S markets are available for accounts that fall outside of standard guidelines.
What lines of coverage are included?
The program includes General Liability, Property, Inland Marine, Auto, and access to Workers’ Compensation markets.
Are chain-branded hotels eligible?
Chain-branded hotels are not the program’s primary focus. The highest hit ratios are seen with non-chain or independent properties.
Which states is this program available in?
The Motel Insurance program is available in Alabama, Georgia, and South Carolina.
Need help placing an account? Connect with a market specialist.