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The Express Limited Service Hotel Umbrella Insurance program from Distinguished Programs is specifically designed for select-service and midscale hotels. Built to support well-maintained hospitality properties with lower operating costs, this umbrella solution offers streamlined access to high coverage limits and broad protection for your insureds. Ideal Accounts and Appetite This program is ideal for limited-service hotels that cater to budget-conscious travelers and typically operate without full-service amenities like restaurants or conference centers. Think of brands and properties that focus on clean, efficient lodging with moderate rates. If you work with hotel clients who prioritize maintenance and operations efficiency, this program can help scale their liability protection efficiently. Examples of good fits include: A midscale hotel chain with multiple locations across several states A well-maintained, independently owned limited-service property near a highway or airport Coverage Highlights and Advantages Distinguished Programs delivers high-limit umbrella and excess liability coverage—up to $50 million—designed to complement hospitality operations. The program includes: Broad coverage form including General Liability, Liquor Liability, and Auto Liability Hospitality GL Program with $1M/$2M limits for GL and Liquor Liability Broad Form Named Insured Crisis Response coverage No Legionella exclusion Fungi or Bacteria Limited Exclusion Hired and Non-Owned Auto (HNO) & Owned Autos, plus Garagekeepers coverage Claims are handled by a dedicated hospitality claims team, ensuring knowledgeable, efficient support when your clients need it most. Submission Process and Minimum Premium Submissions are fast and efficient through Distinguished Programs’ online Broker Portal. While minimum premiums vary by account, the program is structured to accommodate the budget considerations of limited-service hotel operators. Available Territories The Express Limited Service Hotel Umbrella Insurance program is available in all 50 states and Washington, DC. Most states offer admitted coverage options, with access to various carriers through Distinguished Programs’ MGA platform. Why Work With Distinguished Programs? Distinguished Programs is a trusted Managing General Agency with deep expertise in hospitality-focused insurance programs. Their streamlined technology, dedicated claims support, and specialized underwriting make them a strong partner for brokers seeking hotel umbrella markets. When you place business through Distinguished, you gain access to high-limit solutions backed by knowledgeable professionals who understand the nuances of the hotel industry. Frequently Asked Questions What types of hotel properties are eligible for this program?This program is designed for limited-service and midscale hotels that are well-maintained and operate with fewer amenities, such as no on-site restaurants or conference services. What limits are available under the umbrella policy?Umbrella and excess liability limits are available up to $50 million, depending on underwriting review. Is this program available in all states?Yes, the program is available in all 50 states and Washington, DC, with most states offering admitted options. Are Liquor Liability and Auto Liability included?Yes, the umbrella policy can include Liquor Liability and Auto Liability, along with General Liability and other coverages. How do I submit an account for quote?Submissions can be made easily through Distinguished Programs’ online Broker Portal for faster processing and efficient service. Need help placing an account? Connect with a market specialist.

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McGowan Program Administrators Hospitality Umbrella Insurance Overview of the Program From McGowan Program Administrators McGowan Program Administrators offers a robust Hospitality Umbrella Insurance program designed to help agents and brokers secure excess liability coverage for a wide range of commercial real estate and hospitality clients. As a trusted Managing General Underwriter with access to multiple carriers, McGowan brings specialized underwriting expertise and tailored solutions to help you meet your clients' complex risk management needs. Ideal Accounts and Appetite This program is ideal for insureds operating in the hospitality, real estate, and light industrial sectors. Eligible classes include: Apartments Hotels and Motels Light Industrial Properties Office Buildings and Office Condominiums Shopping Centers and Strip Malls Timeshares Warehouses If you have clients managing multi-location hospitality or commercial property portfolios, this program is built to handle their umbrella liability exposures efficiently. Example: You might be working with a regional hotel group seeking higher liability limits or a commercial property owner with multiple retail strip centers. This program can provide the excess coverage they need without shared limits. Coverage Highlights and Advantages McGowan’s Hospitality Umbrella Insurance program includes key features that help your clients manage risk more effectively: Limits available from $1MM to $100MM Defense costs paid outside of the coverage limits No shared limits—each insured receives their own policy and policy number No exclusion for real estate managers Aggregates calculated per location Available "Follow Form" coverage includes: Automobile Liability Employers Liability Employee Benefits Liability Liquor Liability Underwriting Notes and Minimum Premiums All underlying carriers must have a rating of B++ / VI or better. The program is designed to accommodate a wide range of risk profiles, but underwriting will focus on quality of operations and loss history. Please contact McGowan for details on minimum premium requirements and additional underwriting criteria. Territories and Availability This program is available in all 50 states and Washington, D.C., offering broad geographic coverage to support your national or multi-state clients. Why Work With McGowan Program Administrators? McGowan brings decades of experience in program administration, with a strong focus on hospitality and commercial real estate sectors. Their underwriting team understands the nuances of complex liability exposures and is committed to fast, responsive service. With access to a variety of carriers, McGowan offers flexibility and stability in a changing market. For more information on Hospitality Umbrella Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for apartments, hotels, motels, shopping centers, office buildings, light industrial properties, and similar commercial real estate or hospitality risks. What limits are available under this umbrella program?Limits range from $1 million up to $100 million, depending on the risk profile and underwriting approval. Is this program available on an admitted basis?The program is available in all states, and admitted or non-admitted status varies by state and carrier. Are defense costs included within the limits?No, defense costs are paid outside the policy limits, offering an important advantage to insureds. What is required for the underlying insurance?Underlying carriers must have a minimum rating of B++ / VI or better. Need help placing an account? Connect with a market specialist.

McGowan Program Administrators Real Estate and Hospitality Umbrella Insurance McGowan Program Administrators offers a robust Umbrella Insurance program tailored specifically for real estate and hospitality businesses. Designed to help insurance agents and brokers place excess liability coverage for a wide range of commercial property and hospitality risks, this program delivers high-limit protection for clients with growing exposure concerns. Ideal Accounts and Appetite This program is ideal for agents seeking umbrella solutions for clients in the following sectors: Apartments Hotels and Motels Light Industrial Facilities Office Buildings and Office Condominiums Shopping Centers and Strip Malls Timeshares Warehouses Whether you're working with a growing apartment complex or a regional hotel chain, this program provides scalable umbrella coverage tailored to your clients' operations. Coverage Highlights and Advantages McGowan’s Real Estate and Hospitality Umbrella Insurance program offers flexible coverage options and several enhancements that set it apart: Limits from $1MM to $100MM to meet a wide range of exposure needs Defense Costs Outside the Limits for added protection No Shared Limits—each insured receives their own policy and policy number Aggregates Per Location to support multi-location risks No Exclusion for Real Estate Managers Available “follow form” coverages include: Automobile Liability Employers Liability Employee Benefits Liability Liquor Liability These features make the program a smart fit for insureds who need tailored umbrella protection that mirrors their primary policies. Underwriting Notes Minimum required underlying rating: B++ / VI or better Carriers vary depending on state and risk profile Defense costs are handled outside the limits, preserving the umbrella capacity This program is underwritten by McGowan Program Administrators, a trusted Managing General Underwriter with deep experience in the real estate and hospitality sectors. Territories and Availability McGowan’s Real Estate and Hospitality Umbrella Insurance program is available in all 50 states, including Washington DC. Whether your client is located in California, Texas, New York, or anywhere in between, this program can accommodate a broad geographic footprint. Why Work With McGowan Program Administrators? McGowan Program Administrators brings specialized underwriting expertise to each submission. With access to a variety of carriers and extensive experience in real estate and hospitality risks, they provide fast turnaround and tailored coverage options that meet your clients’ needs. Their commitment to no shared limits and aggregates per location helps safeguard each insured’s unique exposure, especially in multi-property portfolios. If you're looking to place umbrella coverage for apartment complexes, hotels, or commercial real estate portfolios, McGowan offers a reliable, scalable solution. Contact McGowan today to discuss your client's specific needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for apartments, hotels, office buildings, shopping centers, warehouses, and other real estate or hospitality risks seeking excess liability coverage. What are the available coverage limits?Limits range from $1 million to $100 million, offering flexible options to meet your clients' needs. Are the umbrella policies shared between insureds?No. Each insured receives their own individual policy and policy number—there are no shared limits. Is the program available nationwide?Yes. This program is available in all 50 states and Washington DC. What underlying carrier rating is required?The required underlying carrier rating is B++ / VI or better. Need help placing an account? Connect with a market specialist.

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Distinguished Programs offers a comprehensive Hotel, Resort, and Casino Umbrella Program designed specifically for full-service hospitality properties. This tailored umbrella solution addresses the complex liability exposures found in upscale hotels, luxury resorts, and casino properties, including those with a wide range of amenities and entertainment offerings. The program is pre-layered to maximize efficiency and deliver cost-effective excess liability protection, making it a valuable option for agents and brokers seeking high-limit coverage for hospitality clients. Ideal Accounts and Appetite This program is built for full-service hotels and resorts, including those with: Restaurants and lounge facilities Meeting and event space Room and bell services Casino operations—including tribal, riverboat, and hotel-casinos Spas, nightclubs, and liquor services Valet and livery services (passenger vans, limos) Recreational amenities such as pools, golf courses, marinas, and beaches Entertainment and leisure such as theaters, bowling alleys, and childcare If you're working with properties that combine lodging with entertainment, dining, and transportation services, this program may be a perfect fit. Coverage Highlights and Advantages Limits up to $180 million Highly competitive pricing Custom coverage enhancements built for hotels and resorts Broad coverage for a wide array of hotel amenities and operations Meets most brand and franchise coverage requirements Coverage available for both hotel owners and management companies Admitted A.M. Best A–rated carriers in most available states This umbrella program stands out for its hospitality-specific design, making it easier for agents to deliver comprehensive excess coverage without piecing together multiple solutions. Underwriting Notes and Minimum Premiums This program can follow most underlying carriers rated A- VII or better by AM Best. Minimum premiums vary based on account size, exposures, and location. The underwriting team at Distinguished Programs brings over 20 years of experience in the hospitality niche, ensuring thoughtful risk evaluation and efficient turnaround. Territories and Availability The Hotel, Resort, and Casino Umbrella Program is available in all 50 states and Washington, D.C., with admitted coverage available in most states. Whether your client operates a beachfront resort in Florida or a casino hotel in Nevada, Distinguished Programs can help you place the right excess liability coverage. Why Work With Distinguished Programs? Distinguished Programs is a trusted MGA with a long-standing focus on the hospitality sector. Their dedicated underwriting team understands the unique risks faced by hotels and resorts, and they offer a streamlined process for brokers looking to place complex accounts. With strong carrier relationships, admitted options, and a competitive structure, this program helps you deliver trusted solutions to your hospitality clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for full-service hotels, resorts, and casino properties—especially those with amenities like nightclubs, golf courses, spas, marinas, or theaters. Is casino exposure eligible under this umbrella program?Yes. The program accepts casino hotels, including tribal and riverboat casinos, as part of its broad hospitality appetite. What are the coverage limits available?Limits are available up to $180 million, depending on the account and risk profile. Which states is this program available in?This umbrella program is available in all 50 states and Washington, D.C., with admitted options in most states. Can this program follow any underlying carrier?It can follow most underlying carriers rated A- VII or better by AM Best. Need help placing an account? Connect with a market specialist.

Workers' Compensation Solution for the Hospitality Industry Overview — Amwins Underwriting: Resorts Workers' Compensation Program Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, offers a Resorts Program designed for sophisticated guaranteed-cost buyers in the hospitality and leisure sector. Coverage is provided through an A- XI rated admitted carrier and both claims handling and loss control are managed by resorts industry specialists. This program is written for accounts with higher-touch risk profiles that benefit from experienced underwriting and field-level loss control. Ideal accounts and appetite The program targets hospitality and leisure businesses with complex operations and multi-activity exposures, including: Ski resorts (note higher minimums — see underwriting notes) Destination resorts and resort hotels with multiple leisure and recreation activities Boutique hotels and destination spa hotels Golf resorts and country clubs with on-site lodging Sportsman lodges and country inns Underwriters look for insureds with formal safety programs, active loss-control engagement, and claims environments that can benefit from specialized claims management. Coverage strengths and program advantages Admitted market placement through an A- XI rated carrier — fits agents placing insureds that require admitted paper. Claims and loss control managed by resorts industry specialists familiar with hospitality exposures and seasonal operations. Program structure supports multi-activity locations (e.g., lodging + ski operations + recreational programming) with coordinated underwriting and field support. Flexible maximum — there is no stated maximum premium for eligible accounts, allowing placement of larger programs when appropriate. Underwriting notes and minimum premiums Minimum premium: $25,000 standard. For ski facilities and higher-hazard exposures, minimum premium is $75,000. There is no stated maximum premium. Underwriters will review loss history, controls, seasonal staffing practices, and any specialty operations (e.g., lifts, on-site adventure activities). Restrictions and classes outside the program The program excludes several high-hazard or specialized classes. Typical accounts outside scope include: Asbestos or lead abatement maintenance Professional employer organizations (PEOs) Demolition Elevator erection or repair Telephone or cable line installation Tree pruning, removal or logging Long-haul trucking Territories and availability Admitted capacity is available across the states listed below. Agents should confirm state eligibility during submission. States available: 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI Why place this business with Amwins Underwriting Specialized underwriting and program design tailored to resorts and multi-activity hospitality operations. Industry-focused claims and loss-control resources help manage seasonal staffing, guest activities, and unique property operations. Admitted paper through a rated carrier makes this program a fit for insureds requiring state-filed policies. Scalable — capable of handling larger premium placements without a stated maximum. Example scenarios that fit this program You have a destination resort that operates lodging, a day spa, guided outdoor activities, and a small ski area — the program can consider the combined exposures under one admitted policy with resort-focused loss control. A boutique hotel chain with on-site recreational offerings and a proactive safety program that requires admitted coverage and specialized claims handling. For additional program details, submission requirements, and actuarial or loss-control guidelines, please review Amwins’ program web page: https://www.amwins.com/products/resorts-insurance-program-niche-workers-comp-amwins or visit the company profile on CompleteMarkets: https://completemarkets.com/company/Amwinsunderwriting. Frequently Asked Questions What types of accounts are the best fit for the Resorts Workers' Compensation program?Accounts with multi-activity hospitality operations — for example, resorts or hotels that operate lodging plus recreational activities (spa, golf, guided outdoor recreation, ski operations) and maintain formal safety and loss-control programs. What are the minimum premium and special minimums I should expect?The standard minimum premium is $25,000. For ski facilities and other higher-hazard resort exposures, the minimum premium is $75,000. There is no stated maximum premium for eligible accounts. Is coverage admitted and which states are eligible?The program places coverage through an admitted A- XI rated carrier. The program is available in the states listed on the storefront; confirm state eligibility at submission. What exposures or classes will the program not consider?The program excludes certain high-hazard and specialized classes such as asbestos/lead abatement, PEO arrangements, demolition, elevator erection/repair, telephone/cable line installation, tree logging/removal, and long-haul trucking. How are claims and loss control handled?Claims and loss control are managed by resorts industry specialists provided through Amwins’ program resources, offering hands-on support tuned to seasonal staffing and guest-activity risks common in the hospitality sector. Need help placing an account? Connect with a market specialist.