Colonial General Insurance Agency, Inc. offers a comprehensive Motel Insurance program designed to meet the unique risks faced by lodging establishments. Whether your client operates a small roadside motel or a larger resort property, this program provides both Property and Liability coverage options on a mono-line or package basis. Ideal account types include hotels, motels, motor inns, tourist cabins, tourist courts, dude ranches, and similar hospitality businesses.
Ideal Accounts and Appetite
This program targets hospitality operations that provide overnight lodging and related services, such as food, beverage, and recreational amenities. Risks with clean loss histories and appropriate risk management practices are preferred. You might have a client with a mid-size motel in a tourist-heavy area or a family-owned lodge offering seasonal accommodations—these are both strong fits for this market.
Coverage Highlights and Advantages
Commercial General Liability Coverage Includes:
- Primary limits up to $3,000,000 Occurrence/Aggregate
- $5,000 Medical Payments Coverage—Included
- Additional Interests—Included at no charge
- Hired and Non-Owned Auto Liability
- Innkeepers Liability
- Liquor Liability
- Excess or Umbrella limits up to $25,000,000
- Loss Prevention Brochure available
Property Coverage Includes:
- Building and Contents
- Basic, Broad, or Special Form coverage
- Business Income
- Computer Equipment and Valuable Papers
- Equipment Breakdown
- Food Spoilage
- Accounts Receivable
- Inland Marine
- Outside Signs
- Replacement Cost or Actual Cash Value options
Crime Coverage Includes:
- Inside the Premises—Theft of Money and Securities
- Inside the Premises—Robbery or Safe Burglary of Other Property
- Outside the Premises coverage
Underwriting Notes
Colonial General works with a variety of markets, including both admitted and non-admitted carriers, allowing for flexible solutions based on account specifics. While minimum premiums vary, the agency is well-positioned to handle both standard and hard-to-place risks. Submissions with clear descriptions of operations, loss runs, and property details help ensure quicker turnarounds.
Territories and Availability
This Motel Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep underwriting experience and strong market relationships to every account. Their hospitality-focused programs are tailored to the exposures your clients face, and their streamlined process makes it easier for agents and brokers to place business efficiently. With options for broad coverage, high liability limits, and niche enhancements like innkeepers and liquor liability, Colonial General is a valuable partner for your motel and lodging risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Hotels, motels, motor inns, resorts, tourist cabins, tourist courts, and dude ranches are all strong candidates for this program.
Is this program available on an admitted or non-admitted basis?
Colonial General offers access to both admitted and non-admitted markets depending on the risk and location.
What limits are available under the General Liability coverage?
Primary liability limits are available up to $3,000,000 Occurrence/Aggregate, with excess or umbrella limits up to $25,000,000.
Which states is this program available in?
This program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY.
Does the program include coverage for Liquor or Innkeepers Liability?
Yes, both Liquor Liability and Innkeepers Liability are available under this program.
Need help placing an account? Connect with a market specialist.