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U.S. Risk Insurance Group, Inc.
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U.S. Risk Insurance Group, Inc.
Contact Us
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Hospitality Workers Compensation Insurance

UPA, offered through U.S. Risk Insurance Group, is a specialized market for placing workers’ compensation coverage for clients in the hospitality industry. Built for hotels, restaurants, resorts and related operations, this program pairs tailored underwriting with access to financially strong carriers and responsive service. Whether you represent a single-location boutique hotel or a multi-state resort group, UPA helps you secure appropriate coverage while supporting long-term risk management and claims cost control.

Ideal Accounts and Appetite

  • Hotels – including premier full-service and boutique properties
  • Resorts and spas
  • Bed and breakfasts
  • Restaurants and casinos

This program fits both single-location operations and multi-location, multi-state portfolios. UPA will consider accounts coming out of PEO arrangements and risks with elevated experience modification factors, which makes it a flexible option for brokers handling challenging or transitional accounts.

Coverage Highlights and Advantages

  • Monoline workers’ compensation solution focused on hospitality exposures
  • UPAY-As-You-Go premium payment option to improve client cash flow
  • Placement with A-rated carriers that have national reach
  • Loss control resources — manuals, safety tips and operational checklists tailored to hospitality
  • Experienced claims handling focused on reducing total claim costs and return-to-work outcomes

UPA is positioned to give your clients more than a policy — it is a program that supports safer workplaces, stabilizes workers’ comp costs, and helps control frequency and severity over time.

Underwriting Notes and Submission Requirements

  • Multi-location and multi-state risks are welcome
  • Accounts with higher experience mods and PEO exits are considered

To submit a risk, include:

  • Completed ACORD application
  • 3–5 years of currently valued loss runs
  • Mod worksheet and large account supplemental for risks with over $75,000 in annual premium

Territories and Availability

Available in all 50 states and Washington, DC. UPA leverages national carrier relationships to place single-state and multi-state programs.

Why Work With U.S. Risk on Hospitality Workers' Comp?

U.S. Risk Insurance Group is a wholesale broker with deep hospitality expertise. Through UPA you get a dedicated underwriting team, flexible guidelines for complex loss histories, and practical loss control support designed for hospitality operations.

Example scenarios where UPA is a strong fit:

  • A regional boutique hotel chain seeking consistent compensation terms across three states while improving workplace safety programs.
  • A restaurant group transitioning off a PEO with a higher mod factor that needs access to A-rated capacity and targeted loss control.

If you need help placing an account or want guidance on submission strategy, connect with a U.S. Risk market specialist who knows hospitality workers' comp.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for hotels, resorts, spas, restaurants, casinos, and other hospitality-related businesses, including multi-location and multi-state operations.

Can I submit accounts with high experience mods?

Yes, UPA can consider accounts with higher experience mods, including those emerging from PEO arrangements or with challenging loss histories.

What documents are required to submit a risk?

Submissions should include a completed ACORD application, 3–5 years of currently valued loss runs, and a mod worksheet with a large account supplemental if premium exceeds $75,000 annually.

Is this program available nationwide?

Yes, the program is available in all 50 states and Washington, DC, with access to national A-rated carriers.

What are the key benefits for my hospitality clients?

Clients benefit from strong carrier options, loss control support, flexible payment options like UPAY-As-You-Go, and proactive claims handling.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A-rated
  • Commission:
    Varies based on productivity
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

10210 N. Central Expressway, 500
Dallas, TX 75231
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APPLICATIONS

  • Login to UPA e-Access
    UPA e-Agencies can submit applications online through our submission platform called e-Access. In order to use e-Access, you will need to become a UPA e-Agency.

AGENCY LICENSING

To become a UPA appointed agency, please complete an agency profile online.
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U.S. Risk Insurance Group, Inc. has other insurance programs like Artisan Contractors Workers Compensation Insurance.