Liability, Property, Workers’ Comp, Umbrella and more…

National Specialty Programs

Overnight business travelers, couples seeking wedding venues and families on vacation regularly seek hotel accommodations, meals and entertainment. The hospitality industry, including hotels and motels, opens its doors daily to numerous risks. Inappropriate guest behavior can lead to damaged rooms and property. Lawsuits from injured guests, theft, liquor liability and property damage can all affect a hotel’s bottom line. All Risk specialists are on hand to deliver Franchised Hotel Business Insurance programs so that everyone can rest easy. Contact us today to learn more about our Franchised Hotel Business Insurance programs!

Hotel Insurance Highlights

  • A.M. Best “A+” XV rated carrier
  • Available nationwide, excluding HI & TX
  • Customized forms
  • Up to 35% lower property pricing countrywide
  • Minimum premiums
    • General Liability: $1,000
    • Property: $2,500



  • Nationwide, excluding HI & TX
Submit a Risk

Franchised Hotel/motel operations which may include:

  • Restaurants
  • Pools
  • Fitness centers
  • Food/beverage service
  • Full service & limited service hotels
  • Coastal property

General Liability

  • Owned Premises
  • Operations
  • Personal Injury and Advertising Injury
  • Medical Payments
  • Property Damage to Rented Premises

Optional Liability

  • Wake-Up Call
  • Employee Benefits
  • Additional Insureds
  • Hired and Non-Owned Auto
  • Liquor


  • Buildings
  • Business Personal Property
  • Business Income – Actual Loss Sustained
  • Equipment Breakdown

Workers’ Comp


Key Coverage Extensions

  • Guest Property
  • Guest Relocation or Emergency Expense
  • Business Income Extensions for Food Contamination
  • Loss of Reservation Systems
  • Special Hotel Events and Tenant Lease
  • Valuable Papers
  • Employee Dishonesty
  • Money and Securities – Inside and Outside
  • Outdoor Property and Outdoor Signs
  • Sewer Back Up
  • Spoilage
  • Utility Failure
  • Key Replacement and Lock Repair
  • Other coverage extensions and higher limits are available


Email Submissions >

Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

Specialty Program Guide

Use this handy resource to review our custom program solutions.

Press Release-All Risks Joins IHG Owners Association

Members have access to our industry expertise and our Franchised Hotel Insurance program.

Risk Control Portal

Help your clients develop employee best practices with over 1000 risk management and safety education resources and reference tools.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.


Industry Associations