Insuring Motels

Motels can be insured on a businessowners policy, which includes property and liability coverage

Primary activity is a Motel not over two stories in height, minimum five (5) units
Year around occupancy must average 65%
**If less than 65%, call your underwriter before binding coverage**
Seasonal occupancy permitted with surcharge and a minimum occupancy rate of 50% in season
**If less than 50% occupancy in season, DO NOT BIND**
Combined Building, Business Property, and Loss of Income coverage total, not to exceed $750,000 without prior approval of your underwriter
**Capacity limitations may apply, please call your underwriter before binding**
Motel operator has three years' experience as an owner or manager
All outside pools must be completely fenced with all applicable rules and hours clearly posted
**NO DIVING BOARDS**- If diving board is present, risk is INELIGIBLE
Coverage on all motel buildings is required (Contents - only policies are not eligible)
Property in good repair; stair railings in place, well-lighted steps and public areas
Smoke Detectors required in every room, all hallways and foyer areas
If a Motel with a Restaurant:
1. Restaurant sales less than 25% of total sales acceptable for this card
2. Restaurant sales more than 25% of total sales - call your underwriter before binding

Insuring Motels

Motels can be insured on a businessowners policy, which includes property and liability coverage

Primary activity is a Motel not over two stories in height, minimum five (5) units
Year around occupancy must average 65%
**If less than 65%, call your underwriter before binding coverage**
Seasonal occupancy permitted with surcharge and a minimum occupancy rate of 50% in season
**If less than 50% occupancy in season, DO NOT BIND**
Combined Building, Business Property, and Loss of Income coverage total, not to exceed $750,000 without prior approval of your underwriter
**Capacity limitations may apply, please call your underwriter before binding**
Motel operator has three years' experience as an owner or manager
All outside pools must be completely fenced with all applicable rules and hours clearly posted
**NO DIVING BOARDS**- If diving board is present, risk is INELIGIBLE
Coverage on all motel buildings is required (Contents - only policies are not eligible)
Property in good repair; stair railings in place, well-lighted steps and public areas
Smoke Detectors required in every room, all hallways and foyer areas
If a Motel with a Restaurant:
1. Restaurant sales less than 25% of total sales acceptable for this card
2. Restaurant sales more than 25% of total sales - call your underwriter before binding

Any other business pursuits than motel, or if recreational activities conducted on premises; ie., boats, playgrounds, horseback riding, tennis, hayrides, docks, miniature golf, driving ranges, etc., please call your underwriter for rating and eligibility

Insuring Houses
Insuring Farms
Insuring Artisan Contractors
Insuring Businesses
Insuring Churches
Mobile Home Parks
Insuring Restaurants
Insuring Motels