Hotel Pro



IPOA is a leader in providing insurance solutions for our agency partners in the hospitality industry, insuring large hotels, resorts, and spas throughout the country. With HotelPro, we bring exclusive hotel insurance programs to agents with specifically designed extensions to address limited and full-service hotels.

As a Lloyd’s of London cover holder, IPOA exclusively provides property and general liability solutions.

Underwriting/Program Features:

  • Property and General Liability solutions
  • Capacity up to $50 million per location
  • Hotel built after 1987 preferred unless completely “gut renovated
  • All states, excluding Oklahoma Property
  • All construction types, including EIFS
  • Interior and exterior hotels
  • Liability (non-auditable policies are available)
  • Commercial Property: Tier 1 $20,000 minimum premium
  • Commercial Liability: $5,000 minimum premium

Hotel Program Extensions:

  • Agreed amount
  • Backup of sewers and drains
  • Business income (ALS) with ordinary payrolls
  • Cimicidae infestation (bed bugs)
  • Employee dishonesty
  • Equipment breakdown
  • Fire department service charge
  • Fire protection equipment recharge
  • Forgery or alteration
  • Lock & key replacement
  • Money & securities (on and off)
  • Outdoor property
  • Ordinance & law
  • Personal effects & property of others
  • Trees, plants & shrubs
  • Utility services


IPOA’s brokerage division provides you with access to markets for hotel insurance solutions that fall outside of HotelPro. This gives you an opportunity to look to one resource to place and write accounts in specific niche markets. It also eliminates having to shop around with multiple wholesalers, which may hinder your access to specific markets.

Commercial Property – Brokerage Capabilities:

  • All states
  • Coastal hotels
  • All construction classes
  • Interior and exterior
  • Resorts & spas
  • Limited service
  • Franchised and non-franchised (admitted and non-admitted options)
  • $15,000 minimum premium (non-CAT)
  • $25,000 minimum (coastal locations tier 1 & 2)

Commercial Liability – Brokerage Capabilities:

  • All states
  • All construction classes
  • Interior and exterior
  • Resorts & spas
  • Limited service
  • Hotels with slides
  • Auditable and non-auditable
  • $5,000 minimum premium