Insential Hospitality Program
Overview
The hospitality Industry is experiencing a number of sweeping changes and Insential's new Hospitality Liability Program is now available to focus on the needs of hotel / motel owners and operators.
Insential's Hospitality Program combines maximum underwriting and rating flexibility to provide the broadest possible coverage:
INCLUDING OPTIONAL COVERAGE FOR FRANCHISORS IF NAMED IN A CLAIM
Insential, Inc. knows that in these times, Hospitality clients need to partner with a full-service wholesale broker and program manager with the resources, carrier contacts and commitment to deal with the complexities of this vital and dynamic industry.
Hospitality Program
Insential's Program is modular - we provide Employment Practices Liability, Directors & Officers and Fiduciary Liability in a single package or as standalone policies, underwritten by a Best's A IX-rated carrier on an admitted basis in most states.
Covered Classes
Hotels and Motels of any size
Limited and Full-Service Hotels
Franchised and Independent Operations
Resorts
Hostels
Coverage Features
Limits up to $1M / 2M
- Optional coverage for Franchisor if named as co-defendant in a claim
- Sublimit for defense of wage & Hour claims (on selected accounts)
- Third-Party coverage
- Expert legal advice is available to insureds before "issues" turn into "claims"
Minimum Deductibles:
- $5,000 all states but CA
- $15,000 in California
Minimum Premiums
As low as $2,500 ($5,000 in California)
Territories
Available in all states except Connecticut
Submission Requirements:
- Coverage is subject to underwriting approval and actual policy wording shall govern. Coverage may not be available in all states.
Programs