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Limited Service Hotels.

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

New! This program is now online! No more paper applications!

To submit business, first check out our  video tutorial then create your online account. From here, submit your quote

For more help, download our  Get-a-Quote user guide

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 Susan DeCarlo


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

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