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Limited Service Hotels.

The Limited Service Umbrella is available to a wide range of franchised or independently operated hotels that serve both budget minded and business travelers alike. 

Key Program Advantages

  • Limits from $5 million to $100 million to satisfy any franchise requirement
  • Admitted, A.M. Best A rated carriers
  • Hospitality specific coverage enhancements
  • Competitive pricing and low minimum premiums
  • Automatic renewal process for most accounts
  • Responsive service and 24 hour direct-to-issue binding confirmation
  • No shared limits


  • Franchised or independently operated hotels, including extended stay
  • Interior or exterior corridor hotels
  • Available in all 50 states including the District of Columbia
  • Can follow most underlying carriers A.M. Best Rated A- VI or better. For Employer’s Liability, A.M. Best Rated B++ VI or better

Common limited service hotel amenities, including:

  • Swimming pool
  • Fitness facility with no public memberships
  • Manager’s reception
  • Restaurant and bar, both first and third party operated
  • Shuttle vehicles
  • Conference, meeting or banquet space
  • Valet

Common hotel brands include, but are not limited to:

  • Best Western
  • Comfort Inn
  • Courtyard Marriott
  • Hampton Inn
  • Holiday Inn Express
  • La Quinta Inn & Suites
  • Staybridge Suites
  • TownePlace Suites

Coverage & Limits

Limit Options:

  • $5,000,000
  • $10,000,000
  • $15,000,000
  • $25,000,000
  • $50,000,000
  • $100,000,000

Key Coverages:

  • No Self Insured Retention
  • Per location aggregates (subject to underlying insurance)

Coverage Enhancements:

  • Worldwide protection
  • Crisis response
  • Broad form named insured
  • Waiver of subrogation
  • No exclusion for abuse and molestation
  • No exclusion for assault and battery
  • Hospitality-specific pollution enhancement

Follow Form Coverages:

  • Bodily Injury & Property Damage
  • Personal & Advertising Injury
  • Products/Completed Operations
  • Liquor Liability
  • Employee Benefits Liability
  • Punitive Damages (except those related to a certified act of terrorism)
  • Non-employee Discrimination
  • Care, Custody & Control (Garagekeepers Legal Liability)
  • Auto
  • Contractual Liability
  • Employer’s Liability

The coverage information outlined above is a guideline only. Please refer to the actual policy for full terms, conditions, exclusions, and limitations. In the event of a conflict between the above information and the actual policy, the policy will control. For a sample copy, please contact Andrea Dietz


Company Admitted Layer A.M. Best Rating
Great American Alliance Insurance Co Yes Lead $10,000,000 A+ XIII
Ironshore Indemnity, Inc. Yes $15M x $10M A XIV
North American Specialty Insurance Co Yes $25M x $25M A+ XV
United States Fire Insurance Co Yes $25M x $50M A XIII
Great American Alliance Insurance Co Yes $25M x $75M A+ XIII

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