Hotel / Motel Umbrella Program

We are currently live in all states except California, Colorado, Florida, Massachusetts, Mississippi and Washington. We expect to add more states soon.. Email us at or call us at 609-818-9534 for more information.

Designed for limited service franchise Hotels & Motels, the Hotel Excess Umbrella Liability program is a Best-in-Class solution for your client’s Umbrella needs. Further, our program affords the broadest coverage at the most cost-effective pricing and allows your client the opportunity to stay compliant with their franchise agreement.


  • Backed by an “A” rated insurance company.
  • Extremely competitive pricing.
  • Quotes turned around quickly and indications typically given immediately.
  • Broad coverage and low minimum premiums.
  • Available on a stand-alone basis to round out your coverage offerings.

Eligible Risks

  • Franchised Hotels/Motels

Limits Available

  • $5M Each Occurrence/$5M Aggregate
  • $10M Each Occurrence/$10M Aggregate

Minimum Premiums

  • $1,500 ($5M)
  • $2,500 ($10M)

Underlying Requirements

  • Minimum of A- (VII) Best’s rating on underlying carriers.
  • Underlying minimum limit of $1M GL ($2M Agg).
  • Automobile Liability (if applicable): $1,000,000 Each Accident CSL
  • Employers Liability: $500,000/$500,000/$500,000
  • Stop Gap: $1M/$1M/$1M

Other Information

  • Each insured is issued their own Admitted policy. This is NOT A RISK PURCHASING GROUP (RPG). We issue individual policies with individual limits. No group policies or shared limits.
  • We never charge any fees.
  • And, we offer superior service – including one-day quote turnaround and policies issued within one day of receipt of the binding information.
  • 10% commission to you.
  • We only work via independent agents. We do not place any umbrellas directly.
  • We only write limited-service, franchised hotels and motels.
  • Exterior entry hotels/motels are okay.
  • Manager cocktail parties are okay. Bars are limited – subject to review.
  • We cannot write any hotel that offers extended stay. Nor can we cover any hotel that offers a passenger shuttle.

Getting started

  • We have a simple 2-page sub-producer agreement.

  • We do require recently valued hard-copy loss runs for the last 3 years’ on the underlying GL policy. We cannot quote any hotel with a GL incurred loss of $50K or greater within the last 2 years.
  • Underlying carrier must be A-, VII or better.

  • We can typically turn quotes around within one day.

  • Or, contact Bill Cleave at 609-818-9534 or


Some limitations on pools and restaurants. Limited to two owned autos per policy – passenger transport excluded. Also, certain exposures will render a hotel/motel as ineligible for the program. These include the presence of armed guards, dog kennels, etc. Finally, we are not a market for any hotel/motel that has had a GL or AL loss of $50K incurred or more within the last 3 years.

Also, due to their increased risk exposure – we are not a market for extended-stay hotels or for hotels that offer passenger transport/shuttle services.


Contact Bill Cleave at (609) 818-9534 or via email at for more information and for an application.

May 15th, 2019 by Sangamon Associates, Inc.