Property, liability, liquor and umbrella for Texas hotel owners, built around brand requirements, lender terms and wind, from limited service to full service.
Sample of what a review covers. Not a client's actual policy.
A hotel program has more moving parts than most property owners deal with. These are the ones we check first.
Franchise agreements and loans spell out limits, deductibles and endorsements. We check your program against both so an audit doesn't catch you short.
Hotel liability is the hard part of the market. We look at liquor, assault and battery and misconduct exclusions, and find markets that cover what yours leaves out.
A hotel's loss is mostly lost room revenue. We size business income to your actual numbers and your seasons.
Wind deductibles, flood zones and how your building is valued decide what a Gulf storm actually costs you.
Brand required renovations need builder's risk and the right contractor certificates. We set that up before the work starts.
Front desk cash, guest data and staff claims sit outside your property policy. We close those gaps.
Property rates are falling as capacity returns, while hotel liability stays selective. A broker who works both sides gets the better result.
Large property rates posted their steepest drop in a decade this year.
Incumbents trim last year's number while the same hotel gets quoted lower as new business.
Assault and misconduct exclusions are common on hotel policies, so where your liability is placed matters.
Email your current declarations pages, plus your brand's insurance requirements if you have them.
Within two business days we compare your program against your brand, your lender and what hotel markets are quoting today.
If your program is priced right, we'll tell you. If it isn't, we take it to market well before your renewal.
Yes. Limited service, select service, full service and independent properties.
Send the insurance section of your franchise agreement with your dec pages, and we'll check your program against it line by line.
Before the work starts. Builder's risk and contractor certificates should be in place on day one.
Current dec pages for property, liability and umbrella, plus your brand's requirements if you have them.
No. The review is free and there's no obligation to change anything.
Enter your address and book 15 minutes, or email your declarations page and we'll reply within two business days.
Rather talk first? Book a 15 minute call