Appetite · Hospitality

Hospitality Appetite

Umbrella and excess liability for hotel owners, operators, and management companies, from limited-service properties to full-service resorts.

Resort hotel with terraces set against the mountains

Appetite

What We Write

Target Risks

Core appetite for all three divisions

Full-service hotels
Limited-service hotels
Extended-stay hotels
Luxury hotels
Resorts
Hotel management companies

Considered

Reviewed individually, often through Specialty Brokerage

Casino hotels, where gaming is incidental to hotel operations
Properties with significant liquor, nightlife, or event exposure
Properties with water parks, marinas, or golf operations
Accounts with adverse loss history

Outside Our Appetite

Not written at this time

Standalone casinos and gaming operations
Standalone restaurants, bars, and nightclubs
Standalone event venues
Hostels and single-room occupancy properties

Underwriting

Underwriting Guidelines

Limits

Up to $100 million. Programs are designed to attach at $1 million. Specialty Brokerage limits start at $5 million.

Structure

Lead umbrella and excess layers, supported or unsupported. Admitted and non-admitted paper available. Specialty Brokerage can write primary general liability with the umbrella or excess.

Minimum Underlying

General liability $1M / $2M; auto $1M; employers liability $1M; liquor liability $1M where alcohol is served

Underlying Carriers

Rated A- / VII or better by AM Best

Loss History

Five years of currently valued loss runs for all underlying lines

Amenities

Supplemental required for pools, spas, liquor service, golf, marinas, and valet

Operations

Documented security, guest-incident, and staff-training procedures

Schedule

Location schedule or statement of values with fire and life-safety details