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When you think about placing Nightclub accounts, what matters most to you? A solid product from a reliable carrier and an MGA that works with you to get submissions on track are usually at the top of the list. RMS Hospitality Group’s Nightclub Insurance program was designed with those priorities in mind. Overview of the Program from RMS Hospitality Group RMS Hospitality Group offers a targeted Nightclub Insurance program built for hospitality venues, entertainment spaces, and nightlife operations. As a Managing General Agency, we provide access to admitted and non-admitted capacity through various carriers and focus on practical coverages and aggressive claim management to protect your clients and defend against frivolous or fraudulent claims. Coverage Highlights Our Nightclub Insurance program includes broad liability protections and specialized coverages tailored for venues where alcohol service, live entertainment, and large crowds create unique exposures. Coverage highlights include: • Claims Services • Risk Mitigation • Commercial Liability • Investigation Services • Assault & Battery • Liquor Liability • Excess Liability • Products & Completed Operations Limits of Insurance: • General Aggregate Limit - $2,000,000 • Products-Completed Operations Aggregate - $2,000,000 • Personal & Advertising Injury - $1,000,000 • Each Occurrence Limit - $1,000,000 • Liquor Liability Limit - $1,000,000 • Fire Damage Limit (ANY ONE FIRE) - $100,000 • Medical Expense Limit - EXCLUDED • Assault & Battery Available Up To - $1,000,000 • Excess Limits Available Up To - $5,000,000 • Hired/Non-Owned Auto Liability Limit - $1,000,000 Ideal Accounts and Appetite This program is aimed at nightclubs and hospitality venues that host DJs, live music, and dance floors, as well as food service operations inside entertainment venues. Typical target classes include: • Food service inside nightclubs or venues • DJs and entertainers • Live music venues • Establishments with dance floors and regular large-event operations Accounts that fit best have professional security procedures, clear alcohol-service policies, and loss control measures in place. RMS Hospitality Group is selective: we seek operations with managed crowd control, documented staff training, and reasonable prior loss histories. If a submission isn't a fit, we will let you know quickly to avoid wasting your time. Underwriting Notes and Minimums Underwriting focuses on operations, hours of operation, alcohol service practices, security/staffing, and the venue’s entertainment schedule. Common considerations include: Whether the venue serves alcohol and the extent of liquor exposure Security protocols (bouncers, ID scanning, incident reporting) Capacity and types of events (general admission vs. ticketed concerts) Prior loss history and any ongoing litigation Minimum premium: Varies by state and carrier. RMS Hospitality Group evaluates each account individually and will provide guidance on minimums and excess layering when you submit the account. Territories and Availability Most available states — RMS Hospitality Group places business in a wide set of jurisdictions. The program is available in the following territories: AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY, DC Capacity is provided through Various carriers. Placement may be admitted or non-admitted depending on state availability and the client’s risk profile. Why Work with RMS Hospitality Group Specialized hospitality underwriting and a program geared specifically to nightlife and entertainment risks. Claims and investigation services focused on reducing frivolous or fraudulent claims. Access to excess capacity up to $5,000,000 for larger exposures. A pragmatic underwriting approach: quick feedback if an account is not eligible, and collaborative support to get submissions in proper form. Example accounts that fit You might have a downtown nightclub that hosts weekly live bands and DJs, uses licensed security staff, and operates a full bar — a good fit for primary liability with liquor and assault & battery options. Or a multi-room venue with separate dining and dance floor areas that needs products/completed operations plus excess limits for larger events. If you’d like to learn more about how RMS Hospitality Group’s Nightclub Insurance program can place your clients, submit the details of your account and we’ll respond with next steps. Frequently Asked Questions What types of nightclub accounts are a good fit for this program?Venues with active alcohol service, live entertainment or DJs, established security protocols, and documented loss-prevention practices are ideal. Food-service operations inside entertainment venues also fit well when controls are in place. What submission information does RMS Hospitality Group need?Provide a completed application, loss runs (typically 5 years if available), description of security and alcohol-service procedures, average attendance/capacity, and any contracts for entertainment or vendors. Are assault & battery and liquor liability available?Yes. Assault & Battery is available up to $1,000,000 and Liquor Liability limits up to $1,000,000 are offered, subject to underwriting and state availability. How quickly will I hear back on a submission, and how are claims handled?RMS Hospitality Group aims to provide quick feedback on eligibility and underwriting. The program emphasizes active claims management and investigation services to address and defend questionable claims early. Need help placing an account? Connect with a market specialist.

The hospitality industry presents distinct risks that require specialized insurance solutions. At Worldwide Facilities, LLC, our Hospitality Insurance Program is a non-admitted solution designed to help retail agents and brokers place higher-exposure hospitality accounts. Whether you are placing an urban nightclub, a casino, or a family-run motel, we provide tailored risk management guidance and access to specialty carriers to help protect guests, employees, operations, and property. Backed by years of underwriting experience in hospitality, this program helps agents secure competitive terms for accounts that may be difficult to place in standard markets. We focus on accounts with elevated liability exposures, alcohol risk, live entertainment, or complex property and business interruption issues. Ideal Accounts and Target Classes We concentrate on hospitality operations that face greater-than-average exposures or that need nuanced underwriting. Typical target classes include: Bars and Taverns Casinos Hotels and Motels Nightclubs Restaurants This program is a strong fit for late-night venues with live entertainment, restaurants with significant alcohol sales, multi-location motel portfolios with prior losses, or properties with complex property and BI exposures. It is less competitive for very small, low-exposure operations that standard markets will readily accept. Coverage Highlights and Advantages The Hospitality Program offers flexible coverage tailored to hospitality operations. Common coverages include: General Liability Liquor Liability Property Coverage Assault and Battery Equipment Breakdown Business Interruption Because we work with a broad panel of specialty markets, you can access customized solutions for hard-to-place risks — including capacity for higher limits and endorsements suited to hospitality exposures. Underwriting Notes and Submission Tips There is no stated minimum premium; however, the program is intended for moderate to high exposure accounts or risks that standard markets may decline. To improve turnaround, submit clean files that include detailed operations descriptions, percent of alcohol sales, hours of operation, security procedures, occupancy type, square footage, property values, and at least five years of loss history when available. Territories and Availability Worldwide Facilities offers this non-admitted Hospitality Program in most U.S. states. We are 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. Contact us for specific state limitations or regulatory restrictions. Why Work With Worldwide Facilities? As a wholesale broker with deep hospitality expertise, Worldwide Facilities pairs specialized underwriting with strong carrier relationships. Our team collaborates with retail agents to tailor coverage, place complex risks, and provide responsive service. We aim to help you grow your book by offering market access and practical placement guidance for challenging hospitality accounts. Visit us online for additional information. Contact [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in hospitality risks such as bars, nightclubs, restaurants, hotels, motels, and casinos — particularly accounts with liquor liability, live entertainment, or higher-than-average exposures. Is this program available nationwide?Yes — the Hospitality Program is available in most U.S. states. Contact Worldwide Facilities for details on state-specific availability and any regulatory restrictions. Does the program offer liquor liability coverage?Yes. Liquor liability is a core component of the program and can be included for eligible hospitality accounts where applicable. What underwriting information is needed for submissions?Provide full operational details, percent of liquor sales, hours and days of operation, security measures, occupancy and square footage, and prior loss history to help ensure a fast and accurate quote. Is there a minimum premium requirement?There is no stated minimum premium. The program is best suited for moderate to high exposure accounts and may not be competitive for very small, low-exposure risks. Need help placing an account? Connect with a market specialist.

The McGowan Companies — McGowan Program Administrators Hospitality Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies, through McGowan Program Administrators, offers a robust Hospitality Umbrella Insurance program that helps agents and brokers secure excess liability capacity for a wide range of commercial real estate and hospitality clients. As a program administrator with access to multiple carriers, McGowan delivers specialized underwriting, flexible layered limits, and solutions tailored to complex liability exposures. Ideal Accounts and Appetite This program targets insureds in the hospitality, commercial 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 The program is well suited to multi-location portfolios and regional operators who need higher liability limits or coordinated excess placement across properties. Example scenarios: You have a regional hotel chain seeking excess limits above primary policies for multiple properties — the program can place limits efficiently without shared policy limits. A property owner with several retail strip centers needs consolidated umbrella capacity with per-location aggregates — this program handles that structure. Coverage Highlights and Advantages McGowan’s Hospitality Umbrella Insurance offers features designed for hospitality and commercial property risks: Limits available from $1MM to $100MM Defense costs paid outside the coverage limits No shared limits — each insured receives its 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 Underwriting requires quality primary programs and focuses on operations, controls, and loss history. All underlying carriers must be rated B++ / VI or better. The program accommodates a range of risk profiles, but specific terms, retentions, and minimum premium requirements vary — please contact McGowan for underwriting criteria and minimum premium details. Territories and Availability This hospitality umbrella program is available nationwide, including all 50 states and Washington, D.C. Admitted or non-admitted placement will depend on state and carrier availability. Why Work With The McGowan Companies on This Business? The McGowan Companies brings decades of program administration experience and deep familiarity with hospitality and commercial real estate exposures. Their underwriting team provides: Access to multiple carrier partners for layered umbrella placements Specialized underwriting that understands property- and hospitality-specific liability risks Flexible structures (per-location aggregates, individual policy numbers) to meet portfolio needs Responsive service to help you move placements quickly If you need excess capacity for hotels, apartments, shopping centers, or mixed-use commercial portfolios, McGowan’s Hospitality Umbrella program is built to deliver stable capacity and practical placement mechanics. For more information on Hospitality Umbrella Insurance, please connect with a market specialist. 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, including multi-location portfolios. What limits are available under this umbrella program?Limits range from $1 million up to $100 million, subject to risk profile and underwriting approval. Is this program available on an admitted basis?Admitted or non-admitted availability varies by state and carrier; the program is available nationwide. Are defense costs included within the limits?No. Defense costs are paid outside the policy limits, which can preserve limits for indemnity payments. What is required for the underlying insurance?Underlying carriers must have a minimum rating of B++ / VI or better; McGowan will also review loss experience and operational controls when underwriting. Need help placing an account? Connect with a market specialist.

Leavitt Recreation and Hospitality offers a 2-day turnaround on quotes for Bed and Breakfast Insurance! Bed and Breakfast Insurance Program from Leavitt Recreation and Hospitality Leavitt Recreation and Hospitality Insurance, Inc. (LRHI) offers a specialized Bed and Breakfast Insurance program tailored for owner-occupied and innkeeper-managed properties across a wide range of U.S. states. With deep expertise in hospitality and recreation risks, LRHI understands the unique exposures that come with operating charming, customer-facing businesses like B&Bs and vacation rentals. This program provides flexible coverage options and fast turnaround—quotes in 2 days and binding in as little as 1 day—making it an ideal solution for busy agents. Ideal Accounts and Appetite This program is designed for a variety of hospitality risks, including: Owner-occupied bed and breakfast properties Inns managed by an innkeeper or third-party manager Vacation rentals (including seasonal operations) Properties located in Protection Class 9 and 10 areas Whether your client operates a year-round B&B or a seasonal mountain inn open for 12 or more consecutive weeks, LRHI can accommodate various occupancy schedules. Properties must be winterized if unoccupied during off-season months. Coverage Highlights and Advantages Leavitt’s Bed and Breakfast program offers broad and customizable coverage options that address both personal and business exposures: Liability limits up to $1,000,000 Medical Payments up to $10,000 Loss of Use coverage for owner-occupied risks Personal Injury Protection Restaurant and host liquor liability available Scheduled personal property (fine arts, furs, jewelry, guns) Replacement Cost coverage for buildings up to 50 years old (with updates in the last 20 years) Functional Replacement Cost for buildings older than 50 years Owner-occupied properties are eligible for coverage on both personal and business personal property, making this an ideal solution for hybrid-residential operations. Underwriting Highlights and Minimum Premium LRHI’s in-house underwriting authority allows them to quote, bind, and issue policies quickly—often within 24 hours for risks with total insured values (TIV) under $3 million. This flexibility is ideal for agents who need fast answers and efficient placement for unique hospitality accounts. Minimum premiums vary based on location, occupancy, and coverage needs. Contact LRHI for a tailored quote. Territories and Availability This non-admitted program is available in the following states: AL, AZ, AR, CO, CT, DE, GA, HI, ID, IN, KS, LA, ME, MD, MI, MS, MO, MT, NE, NJ, NM, NY, NC, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WY Why Work With Leavitt Recreation and Hospitality Insurance With decades of experience in hospitality and recreational risks, Leavitt Recreation and Hospitality brings targeted underwriting knowledge, reliable carrier markets, and responsive service to help agents succeed. The ability to bind quickly, handle unique property types, and offer flexible coverage options makes this program a go-to solution for agents serving the B&B and vacation rental space. For all of your Bed and Breakfast Insurance risks, contact Leavitt today! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for owner-occupied bed and breakfasts, inns managed by innkeepers, and vacation rental properties, including those in rural or high protection class areas. Can this program handle seasonal or part-time operations?Yes. Properties that operate for at least 12 consecutive weeks can be considered. If the property is unoccupied during the off-season, it must be properly winterized. What coverage is available for older buildings?Buildings over 50 years old are written on a Functional Replacement Cost basis. Properties less than 50 years old that have been updated in the last 20 years may qualify for Replacement Cost coverage. How quickly can I get a quote or bind coverage?LRHI typically provides quotes within 2 business days. For risks under $3 million TIV, binding and issuance can be done in as little as one day due to in-house authority. Is this an admitted or non-admitted program?This is a non-admitted program, offering flexibility in underwriting and coverage for unique or higher-risk accounts. Need help placing an account? Connect with a market specialist.

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From upscale venues with valet parking and live entertainment to local bars with exotic performances, adult nightclub operations face a unique set of liability exposures. If your client owns or operates an adult nightclub—also known as a gentleman’s club or exotic club—they require specialized insurance that addresses the distinct risks of this niche hospitality segment. RMS Hospitality Group has developed a dedicated Adult Nightclubs insurance program designed to meet the specific needs of these businesses. As a Managing General Agency (MGA) with deep experience in hospitality and nightlife risks, we understand the nuances of insuring adult entertainment venues. Our tailored program offers comprehensive protection and responsive claims handling to help safeguard your clients from costly liability events. Ideal Accounts and Target Classes This program is ideal for: Adult nightclubs and gentlemen’s clubs Exotic dance venues with live entertainment Nightlife establishments with dance floors, food service, and liquor sales Clubs offering valet parking or hosting live music performances Whether your client operates a high-end club in a major metro area or a regional venue with a loyal following, we can help you find the right coverage solution. You might have a client who’s expanding their nightlife business and needs liquor liability coverage with excess limits—or one who’s had claims related to assault and battery and needs a carrier that won’t shy away from these risks. We can help in both cases. Coverage Highlights and Advantages Our Adult Nightclubs program includes essential liability protections tailored to the hospitality environment: Assault and Battery – Coverage for common exposures in nightclub settings Liquor Liability – Protects against alcohol-related claims General Liability – Core protection for premises and operations Excess Liability – Optional higher limits for broader protection Products and Completed Operations – Coverage for food/beverage service risks Non-Owned and Hired Auto Liability – For valet services and incidental auto exposures Limits of Insurance: Personal and Advertising Injury: Up to $1,000,000 Each Occurrence Limit: Up to $1,000,000 Products-Completed Operations Aggregate: Up to $2,000,000 Non-Owned and Hired Auto Liability: Up to $1,000,000 Medical Expense Limit: Excluded Underwriting and Minimum Premiums Minimum premiums vary depending on the size, location, and nature of your client's operations. Our underwriting team specializes in evaluating adult nightclub risks and understands the operational differences between club types. We offer fast turnarounds and work with you to find competitive, appropriately structured solutions. Territories and Availability This program is available in most states, including but not limited to CA, FL, TX, NY, IL, NV, NJ, GA, and AZ. We write on a non-admitted basis through various carrier partners experienced in liquor liability and assault and battery claims. Contact us for specific state availability and to discuss your client’s needs. Why Work With RMS Hospitality Group? At RMS Hospitality Group, we focus exclusively on hospitality-related risks and understand the challenges agents face when placing adult nightclub business. Our team brings years of underwriting experience, a deep carrier network, and a commitment to helping you deliver strong coverage and service to your clients. With access to risk mitigation tools and responsive claims support, we help you reduce your clients’ exposure to losses. To learn more about our Adult Nightclubs insurance program, visit our company profile or call us today to speak with one of our hospitality experts. With our experienced team in the hospitality insurance space, we put our expertise in motion to work for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Our Adult Nightclubs program is ideal for adult entertainment venues including gentlemen’s clubs, exotic dance clubs, and nightlife establishments that offer liquor, live performances, or valet parking. Does this program offer coverage for assault and battery claims?Yes, assault and battery coverage is a key component of this program and is essential for venues with high foot traffic and late-night operations. Are there any geographic restrictions for this program?This program is available in most states. Contact us to confirm availability in your client’s state. What types of entertainment or club features are eligible?We cover a wide range of features including dance floors, food service, live music, valet parking, and adult performances. Eligibility depends on underwriting review. Is this program written on an admitted or non-admitted basis?Most placements are on a non-admitted basis through carrier partners experienced in liquor liability and adult nightclub exposures. Need help placing an account? Connect with a market specialist.

Leavitt Recreation and Hospitality Insurance offers a specialized solution for the unique challenges of insuring mobile home communities. The Mobile Home Park Insurance - Non admitted program provides flexible coverage options for parks that are difficult to place, including those in PC10 and high wind hazard zones such as coastal areas and Florida. Overview of the Program From Leavitt Recreation and Hospitality Our Mobile Home Park Insurance program is placed on A-rated, non-admitted paper to serve accounts that may fall outside the appetite of admitted markets. Through relationships with multiple carriers, we deliver tailored options and competitive terms for hard-to-insure risks. Direct billing is available to simplify administration and improve the client experience. Ideal Accounts and Appetite This program is designed for a broad range of mobile home community risks, including: Mobile home parks in high coastal or wind zones, wildfire areas, and other elevated hazard locations Older parks, properties with mixed occupancy, or communities with infrastructure exposures Parks previously declined, non-renewed, or facing limited options in standard markets You might have a client in a Florida coastal county with elevated wind exposure or a long-standing park with several mixed-use structures — this program can help bridge placement gaps when admitted carriers won’t provide terms. Coverage Highlights and Advantages Available coverages and program strengths include: Property coverage for park structures, tenant-owned unit structures where applicable, contents, and amenities General liability tailored to mobile home park operations and common area exposures Optional enhancements that can be considered based on the risk profile and carrier appetite We emphasize flexibility and underwriting creativity to deliver customized solutions for non-standard risks that admitted markets often decline. Underwriting Notes and Minimum Premiums Underwriting is managed by specialists experienced with mobile home community exposures, enabling faster, more accurate assessments. There is no stated minimum premium, which allows placement of a range of account sizes. Submissions should include clear property details, an occupancy breakdown, and prior loss history to expedite review. Territories and Availability This non-admitted program is available nationwide, including high-risk coastal and wind states such as Florida, Texas, and California, as well as Washington, D.C. We have strong market access in states where non-admitted capacity is commonly required. Why Work With Leavitt Recreation and Hospitality As a general agency focused on hospitality and recreational risks, Leavitt Recreation and Hospitality Insurance combines deep underwriting expertise with access to multiple A-rated non-admitted carriers. We focus on niche programs like mobile home communities, helping agents place difficult accounts with confidence and service-oriented support. Frequently Asked Questions What types of accounts are a good fit for this program?Mobile home parks in high-risk coastal, wind, or wildfire zones, older parks, or those with prior coverage challenges fit well. Is this program available in coastal or wind-prone states like Florida?Yes. We offer coverage in coastal and high wind hazard areas, including Florida, where admitted markets may be limited or unavailable. What carriers are used for this program?We work with multiple A-rated non-admitted carriers to provide flexible options tailored to each risk profile. Is there a minimum premium for submission?There is no specified minimum premium, making this program accessible across a range of account sizes. What information is needed to get a quote?Provide property details, occupancy information, and prior loss history to ensure thorough and timely underwriting. Need help placing an account? Connect with a market specialist.

Franchise Food operations are among the fastest-growing segments of the restaurant industry. RMS Hospitality Group understands the specialized insurance needs of franchised restaurants and has built a dedicated Franchise Food program to help agents place single-unit and multi-unit franchise risks with confidence. Franchise Food Program Overview The Franchise Food program provides tailored insurance solutions for a broad range of franchised dining establishments. Whether your client runs a single location or a multi-unit system, RMS delivers competitive products and practical risk management support that reflect the compliance-driven, high-turnover nature of the foodservice industry. RMS brings decades of hospitality experience to this program. Our background includes being appointed as a nationwide approved vendor for McDonald's in 1994, a role that helped establish RMS as one of the largest brokers in the segment during that decade. Ideal Accounts and Appetite We write a wide variety of franchised food operations, including: • Quick service restaurants with limited or no seating, counter service, and simple cooking methods (e.g., Subway, Panera Bread, Quiznos, Red Mango) • Fast food chains such as Taco Bell, KFC, and Wendy’s • Franchise restaurants with less than 50% liquor sales, including full-service or waitress-style operations (e.g., Applebee’s, Famous Dave’s, TGI Friday’s) • Family-style and casual dining locations with or without server service (e.g., IHOP, Denny’s, Chipotle) This program is a strong fit for agents with clients expanding franchise footprints or transitioning from independent operations to national systems. Generally not a fit are accounts with majority liquor sales, nightclubs, large entertainment venues, or operations with unusually high cooking or exposure profiles without prior underwriting review. Coverage Highlights and Advantages The Franchise Food Select Program includes a full suite of coverages designed for restaurant exposures: • Workers Compensation • Property • General Liability • Products & Completed Operations • Liquor Liability (eligible restaurants with less than 50% liquor sales) • Excess Liability Policies focus on the day-to-day risks restaurants face—from slip-and-fall and foodborne illness claims to liquor liability and property damage—with program wording and limits suited to franchised operations. Underwriting Notes and Minimum Premiums Underwriting considers location, unit count, revenue, cooking operations, loss history, and franchise standards. Minimum premiums vary by state, size, and risk profile; RMS underwriters are available to help structure coverage that meets operational requirements and budget constraints. Territories and Availability This program is available in all 50 states and Washington, DC. RMS can provide consistent placement and program continuity whether your client is opening a single site or expanding a regional footprint. Why Work With RMS Hospitality Group? As a Managing General Agency focused on hospitality, RMS combines deep industry knowledge, long-standing carrier relationships, and practical risk management resources. Agents benefit from specialized underwriting, responsive support, and market access that generalist brokers may not offer. Example scenarios you can place through this program: • A franchisee opening three quick-service units in a regional rollout who needs property, liability, workers' comp, and excess limits under coordinated policies. • A single-unit franchise converting from independent ownership to a national brand seeking tailored general liability and product liability coverage and advice on liquor liability exposures. If you need help placing a franchise restaurant account, RMS Hospitality Group provides market access and underwriting expertise to move the submission efficiently. Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in franchised food operations such as quick service restaurants, fast food chains, and family-style or casual dining locations with less than 50% liquor sales. Can this program handle multi-location franchise operations?Yes. The program supports single-unit and multi-unit franchise operations and offers scalable coverage solutions as clients grow. Is liquor liability included in the coverage?Yes. Liquor liability is available for eligible restaurants that maintain less than 50% of revenue from liquor sales. What states is the program available in?The Franchise Food program is available in all 50 states and Washington, DC. What carriers are used in this program?RMS works with various carriers to align a client’s risk profile with competitive and comprehensive options; carrier selection is made based on the specific submission. Need help placing an account? Connect with a market specialist.

Suitelife for Hotels, offered by Venture Insurance Programs, is a tailored insurance program for boutique and premier hotels. Built to address the complex exposures of upscale hospitality operations, Suitelife supports all-lines placements including Property, General Liability, Umbrella, Auto, Crime, Inland Marine, and Cyber. In addition, mono-line Workers’ Compensation is available for general hotel properties and hotel management companies—giving agents flexible placement options for a wide range of hospitality clients. Ideal Accounts and Appetite Suitelife targets larger, higher-end hospitality risks: independent boutique hotels, luxury inns, resort properties, and management companies overseeing multiple properties. The program is best for accounts with premium guest experiences, distinctive design or amenities, and exposures tied to food & beverage, events, or on-site services. Examples of ideal accounts include: A 75-room boutique hotel in an urban center with a rooftop bar and day spa A luxury inn at a resort destination offering fine dining and event space Mono-line Workers’ Compensation is available for hotel management firms and general hospitality risks, expanding options when you only need to place that single line. Coverage Highlights and Advantages Key program features that help you place hospitality risks include: All-lines package capability for boutique and premier hotels, enabling multi-line placements with a single underwriting team Standalone Workers’ Compensation for operations or management companies that require only that coverage Hospitality-specific coverages and endorsements such as liquor liability, guest property, and business interruption tailored to hotel operations Access to top-tier carriers through Venture Insurance Programs and underwriters experienced in hotel exposures Suitelife is designed for agents who need a market that understands event liability, amenity-related exposures, and the operational nuances of upscale hotels. Underwriting Notes and Minimum Premiums Underwriting is handled by specialists familiar with hospitality operations. While individual minimum premiums and retention levels vary by carrier and line, accounts should reflect the size and operational standards typical of upscale or boutique properties. Be prepared to provide detailed occupancy, amenity, and loss-control information during submission to ensure appropriate terms. Territories and Availability Suitelife is available nationwide—in all 50 states plus Washington, D.C.—allowing you to place hospitality risks in major metro markets and resort locations alike. Why Work With Venture Insurance Programs? Venture Insurance Programs is a Managing General Agency focused on industry-specific programs. Working through Venture gives you direct access to underwriters who specialize in hospitality, strong carrier relationships, and streamlined placement for complex hotel risks. Their focused approach can simplify multi-line placements and help you secure coverage that matches the operational realities of upscale properties. Frequently Asked Questions What types of accounts are a good fit for the Suitelife program?Suitelife is best for boutique and premier hotels, luxury inns, resort properties, and hotel management companies—especially those with on-site food & beverage, event spaces, or upscale amenities. Can I write mono-line Workers’ Compensation through this program?Yes. Mono-line Workers’ Compensation is available for general hotel operations and management firms even when other lines are not placed through Suitelife. Is this program available in my state?Suitelife is available in all 50 states and Washington, D.C., so you can place eligible hospitality accounts nationwide. Do properties need to meet certain size or revenue requirements?There is flexibility, but the program generally targets larger or upscale operations that meet underwriting standards for boutique or premier hotels. Provide operating details to confirm fit. Who underwrites the policies offered through Suitelife?Venture Insurance Programs manages the Suitelife program and partners with top-rated carriers. Their underwriting team focuses on hospitality risks and will structure coverages appropriate to the account. Need help placing an account? Connect with a market specialist.

At NorthWin Insurance Services Our Specialty Is Insuring the Hospitality Industry 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.