Real carrier recommendations from independent insurance agents who have successfully placed hotels, motels, and hospitality properties.
Finding the right carrier for hotels, motels, and hospitality properties is one of the most common challenges independent insurance agents face. Based on 29 real placement discussions from working agents, this guide summarizes which carriers are writing this class of business, what underwriting hurdles to expect, and which states have the most active markets.
Swimming pool liability, liquor exposure, older buildings, high-crime locations, and extended-stay properties create complex underwriting challenges. Many carriers have tightened hospitality appetites after pandemic-era losses.
The carrier recommendations below aren't theoretical — they come from agents who have actually bound coverage for hotels, motels, and hospitality properties. The most frequently mentioned carriers are Auto-Owners, Scottsdale, Foremost, Hiscox, Planners Group. Scroll down for the full list, state-by-state breakdowns, and detailed agent discussions.
These carriers are most frequently recommended by agents for placing hotels, motels, and hospitality properties. Rankings are based on how often agents mention each carrier in successful placement discussions.
Our analysis of 29 placement discussions reveals patterns that can help agents place hotels, motels, and hospitality properties more efficiently:
Data sourced from 29 verified agent discussions. Updated daily as new discussions are captured.
This matrix shows which carriers have been recommended by agents for hotels, motels, and hospitality properties in specific states. Data is based on 29 real placement discussions — a ✓ means at least one agent has reported placing this risk with that carrier in that state.
| Carrier | TX | NE | AZ | NC | CO | OK |
|---|---|---|---|---|---|---|
| Auto-Owners | — | — | — | ✓ | — | — |
| Scottsdale | — | ✓ | ✓ | — | — | — |
| Foremost | — | ✓ | ✓ | — | — | — |
| Hiscox | — | ✓ | ✓ | — | — | — |
| Planners Group | ✓ | — | — | — | — | — |
| Westfield | — | — | — | — | ✓ | — |
| Kinsale | — | — | — | — | — | ✓ |
| Travelers | — | — | — | — | — | ✓ |
Based on 29 agent discussions. Carrier availability may vary — always verify with the carrier or your wholesaler. Last updated: June 02, 2026.
Agents in these states have shared placement experiences for hotels, motels, and hospitality properties.
Real conversations from independent insurance agents about placing hotels, motels, and hospitality properties. Each discussion includes the original question and agent replies with carrier suggestions.
Browse state-specific carrier recommendations and agent discussions for hotels, motels, and hospitality properties.
Based on 29 agent discussions, the most frequently recommended carriers for hotels, motels, and hospitality properties include Auto-Owners, Scottsdale, Foremost, Hiscox, Planners Group. Carrier availability varies by state and specific risk characteristics. Surplus lines markets may offer additional options when admitted carriers decline.
Swimming pool liability, liquor exposure, older buildings, high-crime locations, and extended-stay properties create complex underwriting challenges. Many carriers have tightened hospitality appetites after pandemic-era losses.
The states with the most agent discussions about placing hotels, motels, and hospitality properties are Texas, Missouri, Nebraska, Arizona, North Carolina. Coverage availability and pricing can vary significantly by state due to regulatory differences and local market competition.
Start by contacting the carriers most frequently recommended by agents: Auto-Owners, Scottsdale, Foremost, Hiscox, Planners Group. Many agents also report success through wholesale brokers and MGAs who specialize in this class. The 29 discussions on this page include specific agent experiences with quoting and binding coverage.
It depends on the state and specific risk details. Some admitted carriers do write hotels, motels, and hospitality properties, but many agents report needing to access surplus lines or specialty markets. States like Texas, Missouri, Nebraska tend to have more carrier options based on agent discussions.
Typical coverage needs include general liability, property, and often workers compensation. Depending on the specific operation, agents also discuss commercial auto, professional liability, inland marine, and umbrella coverage for hotels, motels, and hospitality properties. Review the agent discussions below for specific coverage recommendations.
The carrier recommendations on this page come from 29 real discussions between independent insurance agents with 17 agent replies. Every data point originates from a verified agent community — not marketing materials, carrier websites, or AI-generated content. Data is captured daily and this page was last updated on June 02, 2026. Read our full methodology.