Hospitality specialty insurance
Hotels or motels.
When a property doesn’t fit in the standard market, we can cover it.
Franchise or non-franchise. Properties built pre-2000. Exterior corridors. Non-sprinklered. Or other risks that may be hard to place.
Providing enhanced coverage for hundreds of hotels
Enhancements we include
Not just a broader risk appetite
Enhanced coverage included in your policy
We’ll help you manage property risk efficiently to prevent loss and reduce claims.
But when things happen, you’ll be covered like you never were.
- $500 million blanket limit
Per occurrence - No co-insurance
- $10 million Flood sublimit
in Non-critical Flood Zones - $25 million Earthquake sublimit
- Sprinkler leakage (EQSL)
- Sewer & drain backup
- Malicious attack property
- Ordinance or Law
- Optional equipment breakdown
- Optional terrorism coverage
*Minimum TIV $2.5M
Risks we write
Hotels
Motels
Resorts
Franchise or
non-franchise
*Minimum TIV $3M
- Eligible
- Eligible in certain areas, check with underwriting
- Ineligible
Deals we’ve won
Featured hospitality policies recently written
$7,377,728 of TIV in Phoenix, AZ
Franchised 81 Unit Hotel with Exterior Room Access
Hotel
1 location.
Built in 1960, frame exterior
Bonus coverage:
$5k Deductible Buy Down
$49,707,045 of TIV in MO, MI, & MN
Multi Location Hotel Portfolio
Hotel
3 locations.
Built in 1990, frame exterior
Bonus coverage:
Multi-State Mid-Western Property exposure with Full Replacement Cost Coverage
$6,842,155 of TIV in
El Dorado, AR
Franchised Interior Room Access Hotel
Hotel
1 location.
Built in 2006, frame exterior
Bonus coverage:
Full Wind/Hail Coverage
How we compare
AIU vs. standard hospitality policies
Coverage Highlights:
Property Coverage
AIU Coverage:
Standard Coverage:
| Property | Blanket coverage, full replacement cost | Actual Cash Value or Replacement Cost up to specified limit depending on form |
| Coinsurance Requirement | No coinsurance | 80%, 90%, or 100% depending on form |
| Extended Period of Indemnity | 180 Days | 30 Days |
| Flood/Earthquake coverage | Included in most areas | Excluded |
| Fire Fighting Materials or Expenses | $100,000 | $1,000 |
| Off Premises Services Interruption | $100,000 | Excluded |
| Water Damage (Back Up of Sewers or Drains) | $100,000 | Excluded |
| Ordinance or law coverage | Rich coverage limits for A, B, and C are included | Limited Coverage |
Will we insure your risk?
In under 5 minutes, you’ll get an answer and an indication
