Our unique hospitality program is designed as a package policy with options specially for the needs of inns, lodges and bed & breakfasts incluidng the mid-sized franchised and non-framchised hotel and motel operators.

Coverages Include:

Commercial Property Including Buildings, Business Personal Property and Business Income

General Liability

Crime Including Money & Securities, Employee Dishonesty Guests Property

Commercial Auto

Commercila Umbrella

Inland Marine Including Computers, Signs and Outdoor Equipment

Optional Coverages: Wake-up call Liability, Guest Relocation and more

Hotel/Motel:

Buildings not exceeding 3-stories in height and containing no more than 100-units

INN & Public Restaurant:

Maximum 3-stories

Maximum 20-guest rooms

No more than 2,000 SQ feet of restaurant area.

Tourist Home:

Maximum 3-stories

Maximum 20 guest units (With or without Cooking for Guest)

States: Arizona, Georgia, Maryland, Nevada, New York (Excluding the boroughs)

            Pennsylvania, Tennessee, Utah & Virginia

Primary Guidelines If Eligible:

Ø      Converted structures or buildings over 20-years require updated and certified plumbing,

      heating, wiring, roofing.

Ø      NFPA Life Safety Guidelines must be met

Ø      Cooking surface completely protected with an automatic fire suppressions system if required

      and the property value exceeds $25,000 in value

Ø      Semi-annual flue cleaning contracted with an outside service.

Ø      Deep Fat fryers must have approved thermostats, high limit switches and automatic shut

      offs

Ø      Approved fire extinguishers and services annually.

Ø      Pool must have visible pool depth markings, fenced with self-closing gates, posted operating

      hours and rules.

Specific Coverages:

Equipment Breakdown

Off premises power failure

Outdoor signs

Valuable papers & records

Personal Effects

Accounts receivables

Money & securities

Medical payments

Fire legal

Personal injury

Advertising injury

Contractural liability

Personal property off premises

Optional Coverages:

Increase limits outdoor signs

Personal property of others

Increased limits for personal property off premises

Employee dishonesty

Valuable Papers and Records

Computers

Automatic cooking protection systems

Sewer and drain back-up

Debris removal and demolition

Check room coverage

Satellite dish antennas

Business income

Guest relocation

Wake-up call liability

Garagekeeper's legal liabilty (Valet parking)

Ordinance or law extension-increase cost of construction

Innkeepers legal liability-premises and guesy property and safe deposit box

Other Optional Coverages     

Interior & exterior glass

Employee Dishonesty

Mini/Micro computers

Fine arts

Increase limits for valuable papers, accounts receivable, money & securities

Ineligible if includes:

Bar or Tavern

Warehouse

Bowling Alley

Roller Skating Rink

Gas Pumps

Live Entertainment

Restaurant except where applicable

Time Share operations

Golf course or lakes

PC 9 or 10

Alcoholic beverages sales exceeds 35%

Protection 9 /10

Pools with diving boards or slides

Coverage’s Available:

Commercial Property

BPP

BI

GL

Crime

CA

UM

IM

NOTE: We can wrap-up the account by placing the Workers’ Compensation and

            Individual or Group Major Medical and supplemental health.  

Policy Issued within 7 to 10 working days.

Types of payments: Visa, Master Card, Electronic payments. 

Payment: Three, Five & Eight Pay

Full Payment: Agent you can deduct your full commission!!  

 whoover@theinsurancelink (Bill) or clinkjr@theinsurancelink.com (Chuck)