The new program improves the hotel insurance the company offers agents and brokers, especially when bundled with umbrella and cyber liability coverages.
PRODUCT: Hotel Primary Program
COMPANIES: Distinguished Programs and QBE
BEST RATING: A+
AVAILABILITY: Interested agents and brokers are encouraged to submit business by registering on the Distinguished Programs website and reaching out to their sales executive.
FOCUS: Distinguished Programs is one of the longest-running hotel insurance programs in the U.S. and covers over 20% of all hotel rooms. Distinguished specializes in providing insurance programs to brokers and agents with specific expertise in real estate, community associations, hotels and restaurants.
The new Hotel Primary Program improves what the company already offers agents and brokers, especially when bundled with umbrella and cyber liability coverages.
“Our team has over 20 years of experience in the hotel insurance industry," says Heidi Strommen, hospitality primary programs leader at Distinguished. “We know the ins and outs of hotel insurance and can provide guidance to brokers and hotel clients. We have a dedicated claims management team for hotels to reach out to in the event of a claim. The hands-on service our team provides differentiates us from other insurers."
COVERAGE DETAILS: The Hotel Primary Program is comprised of general liability, auto and property coverage.
The policy includes $1 million/$2 million limits for general liability and liquor liability. Limits of liability apply on a per-location basis. The policy is written on broad form named insured coverage with a limited fungi or bacteria exclusion and no legionella exclusion. Hired nonowned, owned autos and garagekeepers coverage is also available.
Key property coverages include spoilage, pollutant cleanup and removal, ordinance or law A, B and C, civil authority coverage, business income (ingress and egress), and food contamination. Realty tax coverage up to $100,000 and emergency vacating expense—$10,000 per guest up to $250,000 per occurrence—are also included. Golf course and green coverage enhancements are available.
TARGET: The Hotel Primary Program serves mid-scale, boutique, luxury and resorts hotel classes.
COVERAGE AVAILABILITY: Hotel Property coverage is currently available in 43 states. It is not available in CA, CO, DC, FL, HI, NY, TX and WA.
CONTACT: Email service staff; call toll free at 888-355-4626, or call the main office at 212-297-3100.
Will Jones is IA editor-in-chief.