https://completemarkets.com/company/Amwinsunderwriting/Workers-Compensation-Resorts/
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.