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Resorts and Recreational Planned Communities


Resorts and Recreational Planned Communities

Program Target:  

  • Target Risks:
    • Destination Resorts and Resort Hotels with multiple leisure and recreation activities
    • Interval Ownership/Timeshare Operations
    • Recreational Sporting lodges
    • Boutique Hotels
    • Destination Spa Hotels
    • Luxury Guest Ranches
    • Country Inns
  • Ineligible Risks:
    • Accounts that are strictly
      • Motels
      • Urban Hotels
      • Country Clubs or Camps
      • Beachfront Hotel only
    • Franchised Hotels or Budget Hotels
    • Bed & Breakfast Inns
    • Tourist Courts & Cabins
    • Casino Hotels
    • Residential Condos/Townhomes
    • RV Park or Campgrounds (unless incidental to the overall resort operations)
    • Golf or Country Clubs that do not have onsite lodging facilities
  • Geographic:
    • Nationwide

Why work with our program administrator?

  • Longevity and Experience: Over 15 years of underwriting experience in the resort industry
  • Custom Products: Products specifically designed for resort businesses

Coverages and Limits Available:

  • Property with:
    • Hospitality and Leisure Enhancements
    • Historic Hotels Building Valuation 
    • Tee to Green
    • Flood and Earthquake
  • Equipment Breakdown automatically included
  • Automobile (except MA & HI), can only be written in conjunction with the Package policy
  • Crime – up to $250k limit
  • Workers' Compensation (provided by another carrier)
  • General Liability:
    • Security Guard Liability
    • Herbicide and Pesticide application coverage
    • Employee Benefits Liability
    • Liquor Liability
    • Salon or Spa Professional
    • Abuse & Molestation
  • Inland Marine
  • Umbrella - underlying GL must be written to provide Umbrella coverage – up to $10M limits
  • Risk Management Services

Submission Requirements:

  • Completed ACORD Applications
  • 5 years of currently valued loss runs with details on any claims over $10,000
  • Full description of operations including those of additional named insureds
  • Expiring and target premiums
  • Access the appropriate program specific  supplemental forms

Broker Requirements:

Current Appointment with the program administrator or, if not, complete the following items:

  • Broker Agreement
  • IRS W-9
  • Copy of E and O Certificate or Declaration Page
  • Copy of the agency’s license per location
  • Agency Profile Document
  • If multiple locations, include a list and confirm ALL locations are covered under the operation’s Errors and Omissions policy