Overview of the Motel Insurance Program
Southern Insurance Underwriters, Inc. (SIU) offers a focused Motel Insurance program that helps agents place independently owned hotels and motels with exterior-entry guest rooms. The program emphasizes admitted placement with “A” rated carriers and flexible underwriting for properties that are often underserved by standard markets.
Whether the account is a small roadside motel or a non-branded hotel up to four stories, SIU provides tailored coverage options designed to protect the full range of hospitality exposures—guest liability, property damage, business interruption, and equipment loss—while offering admitted paper where available.
Ideal Accounts and Appetite
This program is intended for:
- Independently owned motels and hotels (non-chain properties)
- 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)
SIU is well-suited for secondary and tertiary market locations. For example, you might have a client who operates a 30-room roadside motel with a pool in rural Georgia—this program is built to accommodate that type of exposure.
Coverage Highlights and Advantages
- Admitted coverage through multiple “A” rated carriers
- General Liability limits available from $300,000/$600,000 up to $2M/$4M
- Property enhancement endorsement that adds 20+ supplemental coverages
- Inland Marine and Auto coverage available
- Access to Workers’ Compensation markets when needed
- Surplus lines (E&S) placement available for risks outside standard guidelines
These features let you assemble a comprehensive package for hospitality clients, addressing both premises and property-related exposures with admitted options where possible.
Underwriting Notes and Minimum Premiums
SIU underwrites each account on its individual merits. Underwriting will consider occupancy type, location, risk management practices, presence of pools or liquor exposure, and TIV. Minimum premiums vary by state, carrier, and coverages selected; SIU offers flexible terms to improve placement success for qualifying accounts.
Territories and Availability
The Motel Insurance program is available in the following states:
- Alabama (AL)
- Georgia (GA)
- South Carolina (SC)
Agents in these territories can access both admitted and E&S placement options, expanding opportunities to place non-standard hospitality risks.
Why Work With Southern Insurance Underwriters, Inc.?
As a Managing General Agency, SIU brings focused hospitality underwriting expertise and strong carrier relationships to help you place motel and small-hotel accounts efficiently. Their experience placing exterior-entry properties, combined with admitted market access and supplemental E&S options, makes SIU a practical partner when standard markets are limited or unavailable.
SIU’s underwriting approach is practical and agent-friendly: clear appetite, responsive quoting, and the ability to consider accounts that other admitted channels might decline.
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 the best fits.
Is this program admitted or non-admitted?
The program primarily places coverage on admitted paper through “A” rated carriers. E&S markets are available for accounts that fall outside admitted guidelines.
What lines of coverage are included?
Available lines include General Liability, Property (with a property enhancement endorsement), Inland Marine, Auto, and access to Workers’ Compensation markets.
Are chain-branded hotels eligible?
Chain-branded hotels are not the primary focus. The highest placement success is with independent, non-chain properties in secondary markets.
Which states is this program available in?
This program currently writes business in Alabama, Georgia, and South Carolina.
Need help placing an account? Connect with a market specialist.