Hotels & Destination Resorts Insurance

Hotel and destination resort insurance premiums vary widely based on property value, location, amenity mix, and claim history. As a general benchmark, dedicated destination resort programs through specialty markets like AmWins Program Underwriters require a minimum account premium of $25,000. Boutique hotel programs typically range from $15,000 to $250,000+ annually depending on Total Insured Value (TIV), GL limits, liquor exposure, and excess liability requirements. We provide free, no-obligation quotes after a brief operations review.

Eligible classes include: boutique hotels, luxury hotels, high-end business traveler hotels, coastal resorts, hot springs spas, destination spa hotels, country inns with fine dining, luxury guest ranches, sportsmen's lodges, VIP luxury hotels, and independently owned destination resort properties. Motels, bed & breakfasts, hotel/restaurant combinations, and historic hotels built 1930+ with full renovations are placed through alternate markets. Properties with waterparks, casino operations, or franchised budget brands typically require non-standard placement.

A complete hotel insurance package typically includes: commercial property (with hospitality enhancements, flood, earthquake, and equipment breakdown), general liability ($1M/$2M minimum), liquor liability, commercial auto for shuttle and valet operations, workers' compensation, cyber/data compromise coverage, umbrella or excess liability up to $12.5M, crime coverage, inland marine, employment practices liability, and specialty add-ons such as guest property, lost key coverage, salon/spa professional liability, abuse & molestation, and crisis management. Programs are tailored — you only pay for what your operation actually needs.

Yes. Insure Connecticut LLC is licensed in Connecticut and has direct access to all major hospitality markets eligible to write business in Connecticut, including Axon Middle Market, Normandy Insurance, Berkshire Hathaway GUARD (via London Underwriters), AmWins Program Underwriters, Chubb, USLI, and CT-based wholesale broker Joseph Krar & Associates. We also place hotel and resort risks across the United States in all 50 states except where specifically noted (Hawaii is excluded by the AmWins destination resort program).

AmWins Program Underwriters (APU) operates a dedicated Destination Resorts & Hotels insurance program written on A.M. Best A-rated carrier paper. It is purpose-built for independently owned destination resorts and includes Hospitality & Leisure Enhancements, Tee to Green coverage, Flood & Earthquake, Historic Hotel Building Valuation, Equipment Breakdown, Commercial Auto (package only), Crime, Inland Marine, Umbrella, Liquor Liability, Salon/Spa Professional, and Abuse & Molestation. The minimum account premium is $25,000. It is available in all U.S. states except Hawaii and U.S. territories. This is the most purpose-built market in the country for true destination resort risks.

Any hotel that serves, sells, or furnishes alcoholic beverages — whether in a restaurant, bar, banquet hall, room service, or hospitality suite — faces exposure under dram shop and host liquor liability laws. Standard general liability policies typically exclude liquor-related claims. A dedicated liquor liability policy (or liquor liability extension) protects the hotel against lawsuits arising from alcohol-related injuries, property damage, or wrongful death claims involving intoxicated patrons. Limits typically run $1M per occurrence, with higher capacity available through specialty markets.

A standard hotel insurance submission includes: completed ACORD applications (125 + 140 for property, 131 for liability), five years of currently valued loss runs with details on any claims over $10,000, a full description of operations including additional named insureds, expiring and target premiums, a completed Resort Comprehensive Profile (for destination resort programs), and amenity supplementals describing pools, spas, restaurants, recreation, and seasonal operations. We prepare and assemble the full submission package on your behalf — you just provide the underlying details.

Yes. Coastal resort and beachfront hotel exposures require specialty placement because of wind, named storm, and flood risk. We place these risks through programs including AmWins (which lists coastal resorts as a target class), Green Shield Risk Solutions (wind-only TIV up to $3M with a 1% minimum deductible), and Normandy Insurance. Coverage typically includes hurricane / named storm provisions, separate wind deductibles, flood insurance, and business interruption tied to mandatory evacuation orders.

Yes. Modern hotel insurance packages include cyber liability and data compromise coverage, which respond to Property Management System (PMS) breaches, point-of-sale credit card compromises, ransomware attacks, and guest data exposure events. Coverage typically includes first-party costs (forensics, notification, credit monitoring, system restoration) and third-party liability (lawsuits from affected guests, regulatory fines under state breach laws). Axon Middle Market specifically includes Data Compromise Coverage and Crisis Management as part of its hotel program.

After we receive a complete submission package, most specialty markets return preliminary indications within 5–10 business days. Bindable quotes typically follow within 10–15 business days. For renewals, we start the marketing process 60–90 days before expiration to give underwriters adequate review time and to negotiate the best terms. Rush submissions are possible through certain E&S markets that offer fast turnaround on non-standard hotel risks.