Hospitality & Lodging Sector
Hotels and motels, camps and youth programs, RV parks, campgrounds and resorts. Everything here shares one thing: people in your care, overnight, often including children.
Property is the obvious risk, and the easiest to insure.
The claims that make this sector hard to place involve a person, not a building.
Hotels, camps and lodging operators carry the fire, food and slip-and-fall exposure a restaurant has, plus two that are theirs alone: responsibility for guests' property, and a negligent-security claim when something happens to a guest on the premises. Franchise agreements then set their own insurance requirements on top, and they are specific about limits and wording.
Hospitality Coverage
For guests in your care — including the exposures a standard GL form leaves out.
Camps & Youth Programs
Abuse liability on occurrence wording, participant accident cover, and activity-by-activity rating.
Explore coverageHotels & Motels
Negligent-security claims, innkeeper’s liability for guest property, legionella, and occupancy-based interruption.
Explore coverageRV Parks & Campgrounds
Wildfire and evacuation exposure, civil-authority closure, amenities, and camp-store operations.
Explore coverageHow we work
However you arrive at this page, the path from here is the same.
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Understand your risk
We start with how you actually operate — your assets, your people, and the exposures that come with them.
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Match it to the right carrier
We shop carriers whose appetite and specialization fit your risk, then lay the options out side by side.
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Stay with you
We stay on through renewals, mid-term changes, and claims — adjusting as things change and advocating when it counts.