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Hotel Umbrella Insurance

McGowan Program Administrators Hotel Umbrella policy provides the necessary insurance coverage to handle the risks associated with running a motel, hotel, resort or casino. Operating an establishment that houses tourists and travelers from all over the world naturally gives rise to peculiar situations. When the unfortunate occurs during one of these moments, it pays to expect the unexpected.

Have questions? Contact Megan Davis for more information.

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Umbrella Insurance
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Product Details

SPECIAL FEATURES & COVERAGES

  • Proprietary Risk Purchasing Group
  • Defense Costs Outside the Limits
  • No Shared Limits- Each Insured
  • Receives Its Own Policy & Policy Number
  • Aggregates Per Location

REQUIRED UNDERLYING RATING

A- / VI Or Better

PRODUCTS/LIMITS

  • Primary Umbrella: $5MM-$100MM

TERRITORY

All 50 States (except AK, VT, NY)

MINIMUM ATTACHMENT

  • General Liability: $1MM/$2MM
  • Auto Liability: $1MM
  • Employers Liability: $100K/$500K/$100K

CARRIER

A.M. Best “A” Rated Carriers / Admitted Paper

AVAILABLE "FOLLOW FORM" COVERAGES

  • Automobile Liability
  • Employers Liability
  • Employee Benefits Liability
  • Liquor Liability

TO OBTAIN QUOTES

Agents may submit any Acords, COPE/SOV schedules, or supplementals they have on file for initial pricing from McGowan Program Administrators. Firm quotations are subject to receipt of the following:

  • A fully completed application and any supplementals that may apply (Hotel, Marina).
  • A fully completed Named Insured & Location Schedule. (if more than 3 locations)
  • Three years of currently-valued (generated within the past six months), hard copy loss runs.

TO BIND COVERAGE

The following items are required in order to bind coverage:

  • A written request to bind on or before the effective date of coverage.
  • A fully completed application and any supplementals that may apply (Hotel, Marina).
  • A fully completed Named Insured & Location Schedule. (if more than 3 locations)
  • Three years of currently-valued (must be carrier generated within the past six months), hard copy loss runs.
  • Underlying declaration pages including schedules of forms, limits, locations, and insureds.

Resources

15 Reasons Hotels Need $15MM ebook

15 Reasons Hotels Need $15 Million in Umbrella Insurance

it's the insurance coverage you're not thinking of that can cause your hotel the biggest problems ebook

7 Common Hotel Injuries You Need Coverage For

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