Destination Resorts & Hotels

A comprehensive insurance, loss control and claim management solution tailored to meet the ever evolving needs of the hospitality and leisure industry.

Whether it's equestrian activities, waterpark exposures, or skeet shooting, we understand your clients’ risks.

Businesses that operate resort hotels, spas, inns, and other lodging establishments face a number of risks.  Amwins Program Underwriters developed the Destination Resorts & Hotels insurance program for businesses engaged in the operation of independently owned destination resorts, resort hotels, destination spa hotels, boutique hotels, large scale recreational planned communities, upscale sportsman's lodges, and guest ranches.

The Destination Resorts & Hotels team is made up of specialists focusing on the resort industry and built around the concept of providing you with industry-specific loss control and risk management services - helping you find optimal protection for your insureds.

Eligible accounts

  • Destination resorts and resort hotels with multiple leisure and recreation activities
  • Sportsmen's lodges
  • Boutique hotels
  • Destination spa hotels
  • Luxury guest ranches
  • Country inns

Ineligible accounts

  • Monoline coverage
  • Resort condominiums
  • Timeshares
  • Timeshare condominiums
  • Motels
  • Urban hotels
  • Franchised hotels
  • Country clubs with no overnight accommodations


  • Property with:
    • Hospitality and leisure enhancements
    • Historic hotel building valuation
    • Tee to green
  • Flood and earthquake
  • Equipment breakdown
  • Automobile (except in HI), can only be written in conjunction with the package policy
  • Crime
  • Workers' compensation 
  • General liability:
    • Security guard liability
    • Herbicide and pesticide application coverage
    • Employee benefits liability
    • Liquor liability
    • Salon or spa professional
    • Abuse & molestation
  • Inland marine including:
    • Computer equipment
    • Fine arts
    • Golf course and grounds maintenance equipment
    • Golf carts
    • Umbrella - underlying GL must be written to provide umbrella coverage

Coverage is provided on an admitted basis unless otherwise indicated.

Loss control

The Destination Resorts & Hotels program is built around the concept of providing industry-specific loss control and risk management services.  

Claim management

All claims under the Destination Resorts & Hotels program will be handled by dedicated claim professionals.  One of our program’s greatest strengths is our ability to integrate specialized claims handling, loss control, and prevention techniques for this market segment.

Destination Resorts &
Hotel Insurance 
Program details


The United States (except Hawaii and U.S. possessions & territories)


Minimum premium

$25,000 Total account premium






A.M Best Rated "A"

Submission requirements

  • Completed industry-standard 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
  • Completed Resort Condominium Comprehensive Profile
  • The appropriate amenity supplemental forms

Please send submissions to:

Amwins in the news:

APU's Destination Resorts & Hotels underwriting team, experts in hotel insurance, delves into the unique risks currently trending in the hospitality industry, the prevailing marketplace conditions, and how agents can optimally assist their clients in preparing for renewal season to enhance their operational positioning.

This article explores key topics that underwriters prioritize when assessing hotel insurance:

  • Venue type - including boutique hotels, guest ranches, and other distinctive establishments
  • Onsite activities - evaluating the range and nature of activities offered to guests
  • Management experience - assessing the proficiency and track record of hotel management
  • Risk management strategy - examining proactive measures implemented to mitigate potential risks
  • Loss history - reviewing past incidents and claims to gauge historical risk patterns and trends

By addressing these critical factors, agents can effectively collaborate with clients to navigate the complexities of the insurance landscape and secure comprehensive coverage tailored to their specific needs.