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Overview — Assurity Life Insurance Company: Hospital Indemnity Assurity Life Insurance Company’s Hospital Indemnity program (Assurity at Work) provides a straightforward hospital cash benefit designed for workplace voluntary programs and individual supplemental coverage. The plan pays a fixed daily benefit for covered inpatient stays, with flexible daily limits and optional riders that let you tailor protection to the client’s needs. Benefits are available in six-month and one-year maximum payment periods and the contract is guaranteed renewable to age 65. Coverage highlights Daily benefit range: $30 to $250 Choice of maximum benefit period: six months or one year No elimination period for injuries; choice of elimination period for sickness Guaranteed renewable to age 65 Interchangeable rider options to expand or customize coverage Riders available Family Rider Annual First Occurrence Hospital Rider Annual Wellness Benefit Rider Emergency Accident Rider Injury Hospital Indemnity Rider Hospital Indemnity Rider Accidental Death, Dismemberment and Paralysis Benefit Rider Outpatient Sickness Rider Intensive Care Unit Rider Private Duty Nurse Rider Surgery and Anesthesia Rider Surgery, Anesthesia and Additional Benefits Rider Ideal accounts and appetite This program is a good fit for: Employers offering voluntary or payroll-deducted supplemental benefits for employees (small to mid-sized groups). Agents placing individual or worksite hospital indemnity policies for clients who need predictable cash assistance during inpatient stays. Clients seeking simple, limited-duration inpatient benefits to help cover deductibles, lost wages, transportation, or incidental out-of-pocket costs related to hospitalization. Not a fit when clients require long-term institutional care, indefinite hospital coverage, or extensive medical expense reimbursement — this product is designed as a daily cash indemnity, not primary medical insurance. Underwriting notes and placement tips Daily benefit selections allow you to match benefit levels to payroll contributions or individual budgets — useful for voluntary worksite programs. No elimination period applies to injuries; sickness elimination periods are selectable, which can help manage pricing for higher risk groups. Benefit periods (six months or one year) limit exposure — make sure buyers understand the maximum payable days per claim period. Riders can broaden appeal (e.g., family coverage, ICU, surgery riders); evaluate which riders improve fit for your client’s population without exceeding budget constraints. Typical declines or restrictions may apply for applicants with recent hospitalizations or ongoing inpatient care needs; submit full medical details with applications to speed decisions. Territories and availability Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place this business with Assurity Life Insurance Company Simple, easy-to-explain hospital cash benefits that work well in voluntary worksite programs and individual supplemental placements. Flexible daily limits and multiple riders let you create modular solutions for different employee or consumer segments. Guaranteed renewable to age 65 provides portability and predictable renewal expectations for clients. Designed for fast quoting and straightforward underwriting when complete information is submitted. Agent examples You might have a small employer who wants an affordable voluntary benefit to reduce employee financial stress after an inpatient stay — propose a $75–$150 daily benefit with an ICU rider and family rider to cover dependents. You might place an individual supplemental policy for a client who needs predictable cash to cover hospital coinsurance and transportation costs — select a daily benefit that matches their anticipated out-of-pocket exposure and add an annual first occurrence rider for added peace of mind. Frequently Asked Questions What are the available daily benefit amounts and maximum payment periods?Daily benefits range from $30 to $250. The policy offers maximum benefit periods of six months or one year, so total payable days are limited by the chosen period. Are there elimination periods for injury or sickness?There is no elimination period for covered injuries. For sickness, the policy offers selectable elimination periods — choose the option that best balances client cost and coverage needs. Which riders are most commonly used to expand coverage?Common rider selections include Family Rider, ICU Rider, Surgery and Anesthesia Riders, and Annual First Occurrence Hospital Rider. These let you customize the policy for employee groups or individual preferences. In which states can I place this hospital indemnity product?This program is available in most states listed on the storefront, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Check availability for the specific applicant state before quoting. What types of accounts are a good fit for placement with Assurity?Good fits include small to mid-sized employers offering voluntary worksite benefits and individuals seeking supplemental hospital cash protection. This product is less appropriate for cases needing long-term institutional care or comprehensive medical expense reimbursement. Need help placing an account? Connect with a market specialist.

Program Overview — Hospitality Insurance from Hospitality Insurance Solutions Hospitality Insurance Solutions offers a focused Hospitality Insurance program designed for hotel, motel and similar lodging operations. As a managing general agency, we place accounts with carriers such as Discover Property and Casualty Insurance Company, providing agents with a one-stop source for property, liability, umbrella, boiler & machinery, and crime coverages tailored to the lodging industry. Why this program? Package or monoline flexibility — bind property, GL, umbrella, B&M and crime together or select only the coverages you need. Market access through financially strong carriers (ratings noted by AM Best and Standard & Poor’s in carrier materials). Underwriting geared to hotel/motel exposures so you can place accounts quickly with hospitality-focused appetite and forms. Coverage highlights No coinsurance on property or business income. Personal property of others included within limits (helps with guest belongings exposures). Building glass included and lost key coverage provided. Earthquake coverage included except in WA, OR, CA and the New Madrid seismic zone. Flood coverage included except in A & V zones or sub-zones. Guest evacuation and relocation coverage to help manage mass-evacuation exposures. General liability with per-location aggregate; liquor liability, employee benefits liability, and hired/non-owned auto available. Umbrella limits up to $200,000,000 available. Boiler & machinery limits to $25,000,000; includes business income, extra expense, service interruption, plus $2,500,000 demolition & increased cost of construction coverage. Crime: employee dishonesty and forgery limits up to $500,000; innkeepers and safe-deposit box liability available. Note: Property coverage is not offered in Florida under this program. Ideal accounts and appetite This program is intended for hotel and motel owners and operators, including but not limited to: limited-service motels, economy and midscale hotels, franchised roadside properties, and smaller independent boutique hotels. Typical accounts we place: Single-location motels or hotels with moderate annual revenue and standard housekeeping and maintenance operations. Properties with on-premise alcohol service (we offer liquor liability where needed). Properties seeking higher umbrella limits or expanded B&M and business interruption protection. Generally not suited: high-rise luxury resorts, properties with significant recreational operations (e.g., large water parks), non-managed condominium hotels, or accounts with significant Habitational conversion issues—submit those for prior review. Underwriting notes Underwriters review occupancy, fire protection, sprinkler status, recent loss history, and management experience. Flood and earthquake have named exceptions in higher-risk zones — see coverage highlights for standard exclusions. Submission should include ACORD applications, current property valuation information, protection class, loss runs, and details on alcohol exposure if applicable. Minimum premiums and binding conditions vary by state and account; contact our underwriting desk for account-specific thresholds and appetite guidance. Territories and availability Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place hospitality business with Hospitality Insurance Solutions? MGA expertise — underwriters who understand lodging risks and the documentation agents need to bind quickly. Comprehensive product set — package or pick coverages to match your client’s exposures. Access to competitive limits (including high umbrella and B&M limits) and hospitality-specific endorsements. Responsive placement support — we review submissions and provide clear underwriting feedback to help you close business. Example scenarios: You might have a 75-room roadside motel with standard fire protection and low claims history that needs combined property and GL with liquor liability — this program can often provide packaged solutions. Or a mid-size downtown hotel seeking higher umbrella limits and boiler coverage for its mechanical plant can benefit from the B&M and umbrella capacity offered. Frequently Asked Questions What types of hospitality accounts fit this program?We primarily write hotel and motel owners/operators: limited-service, economy, midscale, franchised roadside properties, and small independent hotels. Large resorts, complex recreational operations, and certain condo-hotels typically require referral. Which coverages are available as a package versus monoline?Property, general liability, umbrella, boiler & machinery, and crime can be bound together as a package or written individually. Packaging often simplifies pricing and claims handling for multi-line exposures. Are earthquake and flood included everywhere?Earthquake is included by default except in WA, OR, CA and the New Madrid area. Flood is included except in A & V zones or sub-zones. Always confirm per-location eligibility during submission and note there is no property coverage in Florida under this program. What do you need to submit for a quoted account?Provide ACORD applications for property and liability, current property valuations, protection class/sprinkler info, five years of loss runs, and details on alcohol exposure or any prior major losses. Underwriting may request additional information depending on the account. Need help placing an account? Connect with a market specialist.

What is Hospitality All-Risk Property Insurance? Hospitality all-risk property insurance is a commercial property policy designed to protect businesses in the hospitality sector from a wide range of physical loss exposures. It typically covers direct damage to buildings, tenant improvements, furniture, fixtures, and equipment, and can be combined with commercial liability or equipment coverage to create a broader protection package. This type of policy is meant to cover most sudden and accidental perils unless specifically excluded. Who needs it Small and mid-sized hospitality operators—restaurants, motels, event venues, clubs, and bed-and-breakfasts—often need all-risk protection because they maintain valuable on-site property and have frequent public exposure. For example, many restaurateurs compare options such as All-Risk Property Insurance for Restaurants when deciding what to include. Motels and lodging operators can find program-specific options like the Motels Insurance Program — Hospitality Coverage that bundle property and liability exposures. Organizations that host events also consider event liability and participant accident coverage alongside property protection. What it typically covers Standard all-risk property insurance commonly includes coverage for the building structure, contents, inventory, and equipment. Many policies also offer add-ons or endorsements for business interruption, spoilage, and ordinance or law coverage. Operators often pair property coverage with commercial liability and commercial auto exposure to address guest injuries, delivery losses, and vehicle-related incidents. Specialized hospitality programs, such as the Preferred Hospitality Program, may provide tailored limits and endorsements for common industry exposures. Risk scenario: a burst water pipe that damages kitchen equipment and forces a temporary closure is a typical property and business interruption claim scenario. Common exclusions or limitations All-risk policies exclude some perils by name—common exclusions include wear and tear, deterioration, intentional acts, certain environmental hazards, and some flood or earthquake losses unless purchased separately. Valuation clauses, coinsurance requirements, and specific sub-limits for equipment or valuable papers can limit recovery. Understanding exclusions and endorsements is an important part of risk management considerations when purchasing coverage. Factors that influence cost Insurers price hospitality property coverage based on location, construction type, fire protection, claim history, occupancy and use, security measures, and the total value of covered property. Underwriting factors such as proximity to fire stations, sprinkler systems, and loss prevention programs can reduce premiums. Adding broader coverages like business interruption or replacing agreed-value endorsements will also increase cost. Proof of insurance & compliance Many landlords, franchisors, municipalities, and event venues require proof of insurance with specific limits and additional insured endorsements. Certificates of insurance and policy endorsements document compliance but review the policy wording to confirm actual coverage. Brokers can issue evidence and help structure coverage to meet contractual obligations. How to get a quote To get an accurate quote, assemble basic information about the property, current insurance, estimated values for building and contents, payroll and gross receipts for business interruption estimates, and any loss-control measures in place. If you prefer to speak directly with a market specialist, talk to your agent who can review coverages and help submit applications. Frequently Asked Questions What does "all-risk" actually mean?All-risk means the policy covers losses from any sudden and accidental cause that is not specifically excluded. Always read the exclusions and endorsements for full details. Do I need separate flood or earthquake coverage?Often yes—flood and earthquake are commonly excluded from standard all-risk property policies and require separate policies or endorsements where offered. Can I add business interruption to an all-risk policy?Yes. Business interruption (income loss) coverage is frequently added to replace lost revenue during a covered physical damage loss, but limits and waiting periods vary by policy. Still have questions? Talk to a local insurance expert.