Hotel & Motel Insurance
Greenwood General gives retail agents and brokers wholesale hospitality insurance markets; general liability, commercial package, and property placements for eligible hotels, motels, resorts, and franchise or non-franchise lodging operations, subject to underwriting.
Hospitality Insurance Program
Greenwood General is a wholesale MGA that gives retail insurance agents and commercial brokers access to hospitality insurance markets for hotels, motels, resorts, apartment hotels, tourist courts, and related lodging operations. Available solutions include commercial general liability, commercial package, and commercial property placements across a range of TIV levels and occupancy profiles. Explore all of our wholesale commercial insurance markets.
Available Markets
Market selection depends on TIV, occupancy, location count, loss history, average daily rate, property characteristics, and the desired coverage structure — subject to underwriting.
Designed for qualifying hotels and motels seeking a streamlined commercial package placement.
Additional solutions for hospitality accounts that may not fit the primary package market.
Expanded property capacity for hospitality risks that need higher TIV limits.
Program Highlights
These hospitality markets give brokers options across a broad range of property values, occupancy levels, and operating profiles for eligible risks.
Primary package options begin at a $2,500 minimum premium for eligible hospitality accounts.
Hotels and motels with average daily room rates above $15 may qualify for the primary market.
Properties with stronger online guest reviews are preferred by the primary package market.
Accounts without prior habitability claims are preferred for the primary hotel and motel program.
Eligible submissions up to $2.5M TIV may receive same-day terms when complete information is provided.
Additional markets may consider schedules with up to five locations and 1,000 total rooms or units.
Higher-capacity options are available for qualified hospitality risks beyond small commercial thresholds.
Hospitality-focused review helps brokers understand market fit, required information, and next steps.
Underwriting Considerations
The hotel and motel supplemental application captures operational details that can materially affect eligibility, pricing, and market selection. Disclosing them up front helps brokers place the account faster.
Underwriters review the number of locations, rooms per location, total units, average daily rate, and occupancy percentage.
Smoke detectors, alarms, emergency lighting, door locks, CCTV, security procedures, crime scores, and guest access controls may affect the account.
Swimming pools, spas, beaches, water features, playgrounds, fitness facilities, trails, docks, and other amenities require full disclosure.
Food service, bars, lounges, conferences, valet, shuttle operations, and alcohol sales should be included, and related exposures such as liquor liability may be available, subject to underwriting.
Construction type, number of stories, property updates, fire protection, and sprinkler status help determine the best available market.
Currently valued loss runs, habitability claim history, and accurate property valuation are central to eligibility and pricing.
Submission Requirements
A complete submission is the fastest path to bindable terms. Include the core forms and supporting underwriting information below.
Built for Brokers
Access multiple hospitality markets, specialty underwriting, and flexible placement options through one wholesale MGA partner.
Place primary package, general liability, middle-market, and higher-value property solutions through a single submission.
Eligible accounts up to $2.5M TIV and 60% occupancy may receive same-day terms.
Work with underwriters familiar with occupancy, ADR, amenities, alcohol, and property valuation for lodging risks.
No appointment is required to send a risk. Submit the account first and complete appointment when ready to bind.
Broker FAQs
Straight answers to common questions brokers ask before submitting a hospitality account.
Eligible risks may include hotels, motels, resorts, apartment hotels, tourist courts, cabins, and other franchise or non-franchise hospitality operations, subject to underwriting review.
Yes. The higher-value hospitality property market is not limited to national franchise brands and may consider qualifying independent, non-franchise hotels and motels, subject to underwriting.
Yes. Franchise hotels, resorts, and related hospitality classes may be eligible across the primary package, additional, and higher-value property markets, subject to underwriting.
Same-day quotes may be available for eligible hotel and motel risks up to $2.5 million TIV and up to 60 percent occupancy when a complete submission is provided.
Minimum premiums start at $2,500 for the primary package market. Additional markets may carry a $2,500 general liability minimum premium and a $5,000 package minimum premium, subject to underwriting.
The higher-value hospitality property market has a minimum TIV of $4 million and a maximum TIV of $35 million.
Available states include Arizona, California, Iowa, Idaho, Illinois, Kansas, Michigan, Missouri, Nevada, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin. Texas and Oklahoma are ineligible for this market.
The higher-value hospitality property market has no age restriction for West Coast states and no sprinkler status restriction, subject to full underwriting review.
Hotels and motels with pools, spas, fitness facilities, and other recreational amenities may be considered when the amenities are fully disclosed on the supplemental application, subject to underwriting.
Food service, lounges, bars, and alcohol operations should be disclosed on the submission. Related exposures such as liquor liability may be available for eligible accounts, subject to underwriting.
Submit ACORD 125, 126, and 140, a completed hotel and motel supplemental application, currently valued loss runs, and a statement of values, along with occupancy, room rate, amenity, and food or alcohol details.
No. Retail agents and brokers may submit a hospitality risk before completing an appointment. If the account moves forward, appointment can be completed afterward.
Ready to Place
Send the hospitality submission to Greenwood General for access to package, general liability, middle-market, and higher-value property solutions — or contact underwriting to confirm market fit.
Greenwood General is licensed in 47 states. We currently do not write business in Florida, Georgia, or New York. Hospitality eligibility still varies by market, carrier, class, TIV, occupancy, construction, amenities, and underwriting guidelines — confirm eligibility with your underwriter. The higher-value property market has its own state list, and Texas and Oklahoma are ineligible for that market.
