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At M.J. Hall & Company, Inc., we provide a focused Hotel/Motel Insurance program built for hospitality exposures that often sit outside the standard or preferred markets. Whether your client runs a roadside motel, a boutique hotel, an apartment-hotel, or a residential hospitality facility with unusual features or prior losses, our program gives agents access to carriers that will consider harder-to-place risks. Our program is ideal for: • Hotels • Motels • Apartment Hotels • Time Shares • Bed & Breakfasts • Other temporary or permanent lodging facilities Overview of the Program From M.J. Hall This market is designed for lodging risks that standard carriers may decline because of location, building age, prior claims, or the amenities and recreational activities offered. M.J. Hall leverages excess & surplus lines relationships to give agents flexible placement options for accounts that require underwriting latitude. Ideal Accounts and Appetite We write a broad range of lodging operations, including: Properties with prior claims or unusual loss histories Older buildings or locations in higher-risk areas Operations with pools, spas, entertainment, or other recreational features Privately owned independents and franchise-affiliated properties You might use this program when a client’s roadside motel has an older structure, when a bed & breakfast is in a remote or seasonal area, or when a hotel needs cover for on-site amenities that complicate placement. Coverage Highlights and Advantages Carriers in this program can offer a range of options commonly needed by hospitality owners: Property and General Liability Business Interruption / Business Income Assault & Battery (where applicable) Liquor Liability for operations that serve alcohol Optional endorsements customized for hospitality exposures Our focus is on providing broad, practical coverage tied to underwriting flexibility so you can place difficult or unusual accounts more efficiently. Underwriting Notes and Minimum Premiums Underwriting is case-by-case. Minimum premiums depend on the risk profile and selected coverages; many accounts begin at $1,000 or higher. We accept submissions that may not qualify for admitted markets and submit to our excess & surplus lines connections. Accurate, complete submissions will produce faster and more precise quotes. Territories and Availability This Hotel/Motel Insurance program is currently available in: Alaska (AK) Arizona (AZ) California (CA) Hawaii (HI) Nevada (NV) Some admitted options may be available depending on the state and specific risk characteristics; otherwise placements are typically written through non-admitted E&S markets. Why Work With M.J. Hall & Company, Inc.? As an experienced excess & surplus lines broker, M.J. Hall maintains strong relationships with multiple carriers that understand hospitality exposures. We provide underwriting support, responsive service, and access to markets that will consider complex or declined risks. If you have a lodging account other brokers turned away, M.J. Hall can help you explore viable coverage solutions. Our team is ready to assist with your next hospitality submission—contact M.J. Hall to get started. For appointments or questions, email: [email protected] Frequently Asked Questions What types of accounts are a good fit for this Hotel/Motel Insurance program?This program fits hotels, motels, bed & breakfasts, apartment-hotels, and similar lodging facilities that may be older, located in higher-risk areas, have prior losses, or offer recreational amenities like pools or spas. Is this coverage available in all states?No. The program is currently available in Alaska, Arizona, California, Hawaii, and Nevada. Can you place accounts with prior claims history?Yes. We specialize in risks that standard admitted markets may decline because of claims, location, or other underwriting concerns. What is the minimum premium for this program?Minimum premiums vary by account and coverages selected, but typically start around $1,000 or higher depending on underwriting factors. What types of coverage can be included?Coverage options may include Property, General Liability, Business Income, Liquor Liability, Assault & Battery, and other endorsements relevant to hospitality operations. 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.

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Apartment House Insurance Program from Cochrane & Company Cochrane & Company offers a comprehensive Apartment House Insurance program tailored for residential rental properties with five or more units. This includes apartment buildings, complexes, apartment hotels, and boarding or rooming houses. Designed for independent agents and brokers, this program helps you secure the right coverage for your clients in a specialized and competitive market. With backing from a specialty carrier rated A+ XV by A.M. Best, you can quote with confidence knowing your insureds are supported by a financially strong partner. Ideal Accounts and Appetite This program is ideal for habitational risks such as: Apartment buildings or complexes with 5+ units Apartment hotels and extended-stay lodging Boarding and rooming houses You might have a client who owns a 20-unit apartment building in Washington or a regional property manager with multiple complexes across Idaho and Oregon—this program is built to handle those scenarios and more. Coverage Highlights and Advantages Our Apartment House Insurance program offers robust coverage options to protect both property and liability exposures common to multi-unit residential operations. Coverage Features: Apartment House Insurance Primary General Liability limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – included Additional Interests – included at no charge Hired and Non-owned Auto coverage Excess or Umbrella limits available up to $25 million Available Property Coverages: Building Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Inland Marine Equipment Breakdown Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime: Coverage available both inside and outside the premises. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis, offering flexibility in underwriting and customized solutions for unique habitational risks. Carriers vary depending on risk characteristics. Minimum premiums also vary by account size and location. Submissions with complete property information and loss histories are encouraged to streamline the underwriting process. Territories and Availability This program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. Why Work With Cochrane & Company? As a trusted Managing General Agency with deep experience in habitational risks, Cochrane & Company provides fast, knowledgeable service and access to strong specialty markets. With underwriting expertise and tailored solutions, we help agents like you win and retain business in the apartment and multifamily property space. For more information on our Apartment House Insurance program, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment buildings or complexes with five or more units, apartment hotels, and boarding or rooming houses located in our available states. Is this program admitted or non-admitted?This is a non-admitted program, allowing for flexible underwriting and broader risk appetite for habitational exposures. What states is the program available in?The program is offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. What coverages are included in the standard offering?Standard coverage includes general liability with limits up to $3 million, $5,000 medical payments, additional interests at no charge, and optional umbrella/excess limits up to $25 million. Property coverages are also available. How do I get a quote or submit an account?Submit complete applications with property details and loss history directly to Cochrane & Company. Contact their underwriting team for submission guidelines. Need help placing an account? Connect with a market specialist.

  We've Got You Covered Umbrella Insurance Program for Hotels and Motels Overview — Hotel & Motel Umbrella Program from VAIL VAIL (Value Added Insurance Lines) offers a focused umbrella and ancillary-lines placement program designed for hotels, motels and other habitational hospitality risks. As a wholesale broker, VAIL places umbrella limits that supplement primary liability programs and helps agents secure layered protection for exposures common to lodging operations. Primary markets used include Fireman's Fund and other carriers across most available markets. Ideal Accounts and Appetite Mid-size to larger independent and franchise hotels and motels. Habitational properties with on-site food service, limited banquet operations, and standard amenities (pools, fitness rooms). Owners/operators seeking $5 million or $15 million umbrella limits over the primary policy. Accounts with disciplined loss control, up-to-date premises maintenance, and worker safety programs. VAIL typically looks for accounts with clear underwriting information, up-to-date property and liability limits, and reasonable loss histories. Risks with active, unresolved major claims, significant liquor liability exposure without proper controls, or high-hazard operations (e.g., large-scale nightclubs, amusement attractions) may not fit this program. Coverage Highlights and Advantages Umbrella limits available at $5 million and $15 million to extend liability protection above primary policies. Ancillary lines placement capabilities include workers’ compensation, EPLI for hotels & restaurants, and packaged programs for hospitality operations. Access to admitted and non-admitted markets through VAIL’s wholesale relationships — flexibility to find the best placement for your client’s need. Fast response and in-house binding on most programs to help close business quickly. Experienced underwriting team focused on habitational and hospitality exposures. Underwriting Notes and Minimums VAIL does not require a fixed minimum premium for submissions, allowing consideration of a wide range of account sizes. Standard submission materials include the current primary liability policy declarations, five years of loss runs, an application outlining property and operations, and details on risk management controls (e.g., pool fencing, security, food-safety certifications). Underwriting will evaluate occupancy, number of units/rooms, on-site food and beverage operations, liquor exposure, employee counts, and the quality of the primary carrier limits and retentions. Territories and Availability This program is available across a broad footprint: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, VA, WA, DC, WV, WI, WY. Admitted status: Most Available Markets — VAIL can typically place accounts in admitted or non-admitted markets depending on the client and state availability. Why Work With VAIL on Hotel & Motel Business Wholesale broker expertise in habitational and hospitality lines, with direct relationships to markets such as Fireman's Fund. Quick turnaround and in-house binding on most programs to help you close business and meet client timelines. Flexible approach to limits and multi-line solutions (umbrella plus EPLI, workers’ comp, and packages). Practical underwriting guidance to help you prepare stronger submissions and increase placement velocity. Example Accounts That Fit A 120-room independent hotel with an on-site restaurant and modest banquet operations seeking a $5M umbrella layer over primary GL — clean loss history and documented safety programs. A small regional motel chain with consistent operations across several states seeking $15M total umbrella capacity and coordinated EPLI coverage for on-site staff. We guarantee quick turnaround. In-house binding on most programs. Call us today to discuss placement options for your hospitality accounts. Frequently Asked Questions What types of hotel or motel accounts are the best fit for this VAIL umbrella program?Independent and franchise hotels or motels with standard on-site amenities (restaurant, pool, fitness area), reasonable loss history, and primary liability limits that can be layered are ideal. VAIL prefers accounts with documented risk management and routine maintenance programs. Are these umbrella placements admitted or non-admitted?Admitted status is listed as “Most Available Markets.” VAIL works across admitted and non-admitted markets and will seek the best available placement depending on the state, client preference, and underwriting requirements. Is there a minimum premium or limit requirement?There is no fixed minimum premium. Typical umbrella limits offered through this program are $5 million and $15 million. Final premium and minimums depend on the specific risk, attachments, and market selected. What submission documents should I include to get a quick quote?Provide current primary liability declarations, five years of loss runs, an application describing operations and exposures, and any documentation of safety or loss-control programs. Complete submissions help VAIL deliver faster quotes and binding decisions. Need help placing an account? Connect with a market specialist.