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.

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ResortGuard is an insurance program designed 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.  Whether it's equestrian activities, waterpark exposures, golf, skeet shooting, or a host of other activities, ResortGuard understands your clients' exposures.



ResortGuard is intended for businesses engaged in the operation of:

  • Destination Resorts and Resort Hotels with multiple leisure and recreation activities
  • Sportsmen's Lodges
  • Boutique Hotels
  • Destination Spa Hotels
  • Luxury Guest Ranches
  • Country Inns

This shall not include accounts that are strictly Motels, Urban Hotels, Country Clubs or Camps and Beachfront Hotel Only.  If the above are incidental to the overall account, coverage will be considered.


The program is available in all U.S. states.


  • Property with:
    • Hospitality and Leisure Enhancements
    • Historic Hotels Building Valuation
    • Tee to Green
    • Flood and Earthquake
  • Equipment Breakdown
  • Automobile (except 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 can be written either on a mono-line or package basis. Coverage is provided on an admitted basis unless otherwise indicated.

Loss Control

ResortGuard is built around the concept of providing Resorts with industry specific loss control and risk management services. That means our team is solely focused on the resort industry and are specialists in the resort field.

Claim Management

All claims under the ResortGuard 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.

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 ResortGuard Ammenity Supplemental Forms

Please send submissions to:

*This is intended as a brief overview of the coverages offered.  Please ask for complete copies of policies for a full description of coverage.