Overview — Hotel / Motel Insurance from NorthWin (offered through VAIL)
VAIL (Value Added Insurance Lines) offers the Hotel / Motel Insurance program underwritten and administered by NorthWin Insurance Services. This program is built for independent agents and brokers who need a hospitality-focused market with flexible placement options, responsive underwriting, and targeted risk management for hotels, motels and other short-term lodging operations.
What this program does for your clients
NorthWin’s program provides broad commercial property, general liability, business income/extra expense, and ancillary hospitality extensions designed to address the common exposures of lodging operators. The program emphasizes practical coverages and service that help your insureds reduce loss frequency, manage reputational exposures, and protect revenue streams from interruption.
Ideal Accounts and Appetite
- Limited- and select-service hotels, motels and motor inns
- Small-to-mid-size full-service and boutique properties
- Extended-stay and economy lodging operations
- Single-location owners and small multi-location portfolios
Typical fits are locations with standard lodging exposures: transient occupancy, on-site common areas, limited food & beverage operations, and routine recreational amenities. The program is best for accounts with documented loss control practices and reasonable claims histories. Higher-hazard exposures (large resorts with extensive recreational/attraction operations, high-limit liquor liability exposures, or complex food & beverage operations) may require additional review or alternate markets.
Coverage Highlights and Advantages
- Hospitality-focused forms and endorsements tailored to hotel/motel exposures
- Property coverage including building, business personal property, and business income
- General liability with hospitality-specific considerations (slip/trip, guest injuries, etc.)
- Optional coverages: crime, liquor liability, cyber/privacy, and equipment breakdown (subject to underwriting)
- Risk management resources and loss control guidance designed for lodging operations
Underwriting Notes and Minimum Premiums
Underwritten and administered through NorthWin as a specialty hospitality program. VAIL places this program as a Managing General Agency channel for agents seeking hospitality expertise and flexible options. There is no stated minimum premium for placement through this program (No minimum premium), though individual submissions are subject to standard underwriting review, documentation, and carrier appetite.
Provide complete submission materials for faster turnaround: ACORD applications, current loss runs (past 3–5 years), occupancy and revenue details, and details of any on-site operations such as restaurants, pools or spas.
Territories and Availability
Available in all U.S. states and the District of Columbia. Placement options may include admitted and non-admitted capacity depending on the state and specific risk characteristics. Confirm state availability with VAIL underwriters for complex or high-limit placements.
Why Work With VAIL and NorthWin on Hotel / Motel Business
- Specialized hospitality underwriting and program administration from NorthWin
- VAIL’s wholesale distribution and service model gives agents access to tailored forms and responsive quoting
- Support for agents with risk control resources and program documentation
- Streamlined submissions and access across all U.S. states
Example scenarios where this program fits: you have a 60-room limited-service hotel looking for combined property and liability coverage with business income protection; or you represent a trio of motels under common ownership seeking a single-market placement with consistent forms and loss control services.
Download the NorthWin program brochure.
Covered Classes
- Hotel Insurance
- Motel Insurance
- Hospitality Insurance
Frequently Asked Questions
What types of hotel or motel accounts are a good fit for this program?
The program is geared toward limited- and select-service hotels, motels, extended-stay properties, and small full-service or boutique inns. It works best for single-location or small multi-location owners with standard hospitality exposures and documented loss control practices.
What submission materials speed up underwriting?
Provide a completed ACORD application, current loss runs (3–5 years), occupancy and revenue summaries, and details on on-site exposures (restaurants, pools, spas). Clear, complete submissions reduce follow-up and speed decisioning.
Is this available in my state and is coverage admitted?
The program is available across all U.S. states and DC. Placement may be admitted or non-admitted depending on the state and the specific risk; check with VAIL underwriters for state-by-state capacity and options.
Need help placing an account? Connect with a market specialist.