We have access to numerous markets and able to write in multiple states. We work with your typical small interstate motels to your large franchise hotels with multiple locations. Below are the most commonly asked questions to help address concerns you may have as a business owner.
Are bed bugs covered?
We write with many carriers that offered this coverage as an endorsement. It is up to you whether you would like to self insure this or purchase that bed bug coverage, as some cases can get out of hand.
Do I have a risk by serving food?
Whether you serve a free breakfast consisting of items that do not need to be cooked or have a full kitchen we have you covered, when it comes to food borne illness or contamination. Not only can we cover the contamination we can also cover food spoilage. Any time you serve food it opens you up to those types of claims.
What type of deductibles should I expect?
Unfortunately the market is ever changing. We are seeing more companies offering flat deductibles as we continue to go through years without catastrophic wind/hail claims. Standard is still 1-2% deductibles. The percentage is based off of the property insurance value. There are many companies that offer buy back programs though to lower the amount you’re responsible at the time of a claim.
Cyber security or data breach protection available?
The last two years these coverages have been trending. We have many options with different limits and coverages for these. Please discuss what your concerns are in regards to this coverage so we can customize coverage for you on your policy.
Is Carbon Monoxide Injury/Death covered on a standard policy?
If the policy is written on a “Special” form it should be covered unless specifically excluded. If excluded we can discuss buying the coverage back with the underwriter,
EPLI- What is this and why do I need it?
Employment practices liability insurance, known in the trade as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues, such as failure to promote.