Program for Hotels

(Binding Authority to $20,000,000 in Property Limits!)

Our subsidiary company AURA, can provide high limit Umbrella coverage on Hotels. For more information on AURA’s Umbrella click here.

For Hotels and Motel exposures, we have arranged a program rate for their typical exposures. The program is very competitive with the other stand-alone Equipment Breakdown products and we have included higher sub-limits than are typically found with our competitors.

We will automatically offer you a quote for a combined Property Damage, Business Income and extra expense with a minimum limit of $5,000,000. We can offer optional combined limits of $10,000,000, $15,000,000, $20,000,000. There is just one deductible for a combined loss as opposed to two with other companies. We have added a utility interruption endorsement back to the power grid as opposed to within 1,000 feet of described premises. These are just a few of our enhancements we have put together for this class of business.

Combined Deductible $1,000 except $25 per HP on Air Conditioning Units and Systems and their related, motors, compressors, pumps and piping (Minimum $1,000)

Minimum Premium of $400 applies


Comprehensive Form Covering Boilers, Pressure Vessels, Mechanical & Electrical Machines including Air Conditioning, Refrigeration Equipment Electrical Apparatus and Electronic Computer or Electronic Data Processing Equipment excluding Production Machines

Combined PD, BI/EE and Utility Limit:

  • $5,000,000 or $10,000,000 with an option to increase to $15,000,000 or $20,000,000
  • Property Damage Including Property in the Insureds Care Custody and Control and EDP Equipment

Combined Deductible:

  • $1,000 – with optional $2,500 or $5,000 options

Sub Limits:

  • $100,000 – Water Damage
  • $100,000 – Ammonia Contamination
  • $100,000 – Expediting Expense
  • $100,000 – Hazardous Substance
  • $500,000* – Demolition Increased Cost of Construction
    (*May be increased to $1,000,000)

Business Interruption:

  • Combined – Combined Bus. Interruption Including Extra Expense; (Form BM 1533) Annual Value $
  • Deductible – Combined

Utility Interruption:

  • Electric, Gas, Steam and Water – Coverage is provided back to the originating power grid
    (not limited to within 1,000 feet).
  • Limit – Combined – as respects EE
  • Waiting Period – 12 Hours

OPTIONAL Consequential Damage:

  • $25,000 – Products of the Insured solely while in storage
Get Started with Hotels

It helps to be up-to-date.
Our experts do the work for you.


Why Do Property Managers Need Errors & Omissions Insurance?

Property managers wear many different hats in the course of their jobs. In addition to overseeing the maintenance, security, and the overall welfare of the properties they manage, at times they may also function as...

Read On..

Social Distance: COVID-19 and Community Associations

COVID-19 has thrown virtually every aspect of modern life into disarray. From small businesses and supply chains right down to simply going outside to enjoy a day at the park with friends, everything seems to...

Read On..

Client Advisory: COVID-19 Cyber Attacks

Given recent events, it is our responsibility to keep you informed about how the COVID-19 Coronavirus epidemic has impacted businesses from a Cyber perspective. Since the start of the new year, Cyber criminals have registered...

Read On..