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Resorts/Guest Ranches

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Phone  
877-355-0315
Fax  
260-459-5990
Claims  
800-237-2917
 
Ask us a Question/E-mail
 

Eligible Operations
 
- Private or publically held destination resorts and guest ranches with stay-and-play activities on site
-​
​Boutique Hotels (non-franchised) with limited amenities
 
Ineligible for this program:
                       
Bed & Breakfast -    Franchised hotels/motels
- Homeowners associations
-    Mobile Home Parks
- Ski Resort
-    Waterparks, amusement parks, etc. as primary reason for 


      patronage to the facility


 

Coverages Available & Program Highlights

   
     
General Liability   Property
- Broadened coverage form   -    More Than 25 Coverage Expansions
- Non-auditable policy   -    Equipment Breakdown Included
- No deductible   -    Vacancy Clause redefined to address seasonal operations
- Liquor Liability -    Building definition redefined to include; tent platforms,
- Fireworks Liability        pavilions & shelters, signs, boat & canoe racks,
- Expanded Bodily Injury Definition        permanently installed playground equipment
- Nonowned watercraft up to 51'   -    Business interruption (Civil Authority Expansion Available
- Personal and advertising injury definition expanded        in certain states)
-
Cyber Liability
-    Emergency vacating expenses 
-
Crisis Response
-    Full building ordinance "A" coverage
​-
​Sexual Abuse & Molestation Endorsement - per perp
​     

​form (Subject to qualifications based on minimum

​underwriting guidelines)

Commercial Auto


            

Excess Liability

Crime
                                                                                                                  

Workers' Compensation

Inland Marine
                                         
 
Common Associated Exposures
 
- Cross-country skiing - Horseback riding/hiking trails
- Fine dining - Miniature golf and playgrounds
- Fishing and hunting - Recreational boating/canoeing
- Golf courses, driving ranges
Spas/health and fitness centers
 
Key Underwriting/Qualifying Factors (Including but not limited to)
 
- Manager must have 3 years industry management experience
 - $5,000 minimum account premium
 
Preliminary Underwriting Information Required
- K&K Applications - ACORD applications for other requested coverages
- Five years of detailed, currently valued company loss runs - Photos of facility
- Web site address(if available) - Copy of rental contract
​-
Copy of waiver/release of liability (if applicable)
​-
​Diagram of "Plot Plan" of premises