U.S. Risk Insurance Group, Inc.

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U.S. Risk Insurance Group, Inc.

Click to call

Hospitality Workers Compensation Insurance

UPA, offered through U.S. Risk Insurance Group, is your go-to market for placing workers’ compensation coverage for clients in the hospitality industry. Designed specifically for hotels, restaurants, and related businesses, this program delivers tailored solutions backed by financially stable carriers and hands-on customer service. Whether your client operates a single boutique hotel or a multi-state resort chain, UPA can help you secure the right coverage while supporting long-term risk management and claims cost reduction.

Ideal Accounts and Appetite

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

This program is well-suited for both single-location businesses and multi-location, multi-state operations. Accounts coming out of PEOs or with high experience mods are also eligible for consideration, making it a flexible option for agents with challenging risks.

Coverage Highlights and Advantages

Monoline workers’ compensation solution
UPAY-As-You-Go premium payment option for improved cash flow
Access to A-rated carriers with national reach
Loss control support, including manuals, safety tips, and checklists
Experienced claims handling designed to reduce total claim costs

You’ll be able to offer your clients not just a policy, but a comprehensive program that helps them manage risk, improve workplace safety, and stabilize their workers’ comp costs over time.

Underwriting Notes and Submission Requirements

Multi-location and multi-state risks are welcome
High experience mods and PEO exit accounts considered

To submit a risk, please include the following:

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

This program is available in all 50 states and Washington, DC. Whether your client operates in a single state or across multiple regions, UPA offers national reach through strong carrier partnerships.

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

U.S. Risk Insurance Group is a trusted wholesale broker with deep expertise in niche industries, including hospitality. Through the UPA program, you gain access to a dedicated underwriting team, flexible underwriting criteria, and resources that help your clients create safer workplaces and reduce claim frequency. From first-time buyers to seasoned operators with complex claims histories, UPA is designed to help you place more business with confidence.

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:

-

Coverages:

Bars, Restaurants and Taverns Liquor Liability Insurance Hospitality Insurance Hospitality All-Risk Property Insurance Hospitality Commercial General Liability Insurance Hospitality Crime Insurance Hospitality Excess Liability Insurance Hospitality Industry Umbrella Liability Insurance

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U.S. Risk Insurance Group, Inc. has other insurance programs like Artisan Contractors Workers Compensation Insurance.

U.S. Risk Insurance Group, Inc.

U.S. Risk Insurance Group, Inc.

Hi, !

Hospitality Workers Compensation Insurance

Ideal Accounts and Appetite

Coverage Highlights and Advantages

Underwriting Notes and Submission Requirements

Territories and Availability

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

Frequently Asked Questions

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

Can I submit accounts with high experience mods?

What documents are required to submit a risk?

Is this program available nationwide?

What are the key benefits for my hospitality clients?

U.S. States Available