Hospitality & Hotel Insurance
Property, guest liability, liquor, and umbrella for hotels, resorts, and hospitality portfolios.
A hotel is high-value property with a crowd inside it: pools, bars, banquets, and guests who sue. Premises liability verdicts against hotels now routinely clear $10 million, and a clean claims history won't protect you in the wrong venue or brand tier. Put the property on the coast and you're also placing named-storm coverage in a market that keeps shrinking, all while the flag dictates limits and terms in the franchise agreement. The program has to do everything at once. We build hospitality programs that do.
Who this is for
Built for accounts like yours
What we structure
Property (incl. wind/named storm)
High-value property with coastal and CAT capacity where the standard market has pulled back.
Guest & premises liability
Liability for guests, pools, amenities, and common areas, sized for what hospitality verdicts cost now.
Liquor liability
Coverage for on-site bars, restaurants, banquets, and events.
Umbrella & brand-required limits
Excess towers built to franchise and lender requirements.
Common questions
Can you meet my franchise / brand insurance requirements?
Yes. Flags spell out limits, additional insureds, and coverage terms, and the evidence of insurance has to match or you hear about it. We build the program to the brand standard first, then market it for price. Compliance and competitiveness aren't in conflict when the account is presented well.
My resort is coastal. Can you place the property?
Usually. Coastal and named-storm hospitality goes to surplus-lines and London capacity, often in layers, and the wind deductible is where the real negotiation happens. We assemble the capacity and structure the deductible so the limit stays adequate without gutting your cash position after a storm.
Do you handle liquor liability for hotel F&B?
Yes. Bars, restaurants, banquets, and events all run through liquor liability coordinated with the GL and umbrella, so a claim doesn't fall between policies.
Get started
Talk to a hospitality & hotels specialist
Send us the current program, or just the renewal date. We'll tell you whether the structure, the pricing, or the coverage can be beaten. Built for accounts with $50,000+ in annual premium.
- A second set of expert eyes on your program, free.
- Marketed to the carriers that actually want your risk.
- No obligation, fully confidential.