1 doc
Your loss runs are the only thing between an estimate and a real quote.
Five years of claims history if you have it, three is fine.
Built by owners, for owners
One community. One portal for every hotel you own.
Independent hotel owners buying insurance, services and a voice together, instead of one property at a time.
140+ member ownersIndependent and franchised hotels across the US
The community
Independent properties, run by the people who own them.
Independent owners, buying as one block.
One owner has little pull with a carrier. Hundreds of hotels together get the rates, terms and attention usually kept for the big chains.
220+member hotels
17,000+rooms in the block
140+member owners
A community of ownersOwners who share what works, property to property.
Collective buying powerGroup rates that no single property can get alone.
Insurance as a blockProperty and liability placed for the whole group.
A voice for ownersStanding up for independents on the issues that cost you.
About HOC
From property insurance to renewals and claims, HOC gives independent owners the leverage the big chains already have.
$0to join, for every owner
4 minto an online estimate
2 to 4 wksfor underwriting
1 portalfor every property you own
Claims support
Claims handled with you
Tell us first. We step in before anything reaches the carrier, so a small incident does not become a record.
0 surprises
Renewals that do not surprise you
Dates, premiums and documents tracked in one place. No missed deadline, no sudden jump.
How the insurance program works
From quote to covered, in four steps.
1
Get a quoteAnswer a few questions about your property online.About 4 minutes2
Send your loss runsYour claims history from your current carrier.One document3
UnderwritingThe carrier reviews your property and history.2 to 4 weeksYou are in the blockGroup terms, one portal, one team on your side.Covered
Programs
What your membership opens up.
The insurance program is live today. The rest are being built with members and open one by one.
Live
Master insurance program
Property and general liability placed as one block of hotels, not one owner at a time, with claims support built for hoteliers.
Insurance program powered by Reliance.
See the program
Coming soon
Group purchasing
Member pricing on FF&E, supplies and energy contracts.
Coming soon
Merchant processing
Lower card fees negotiated for the whole group.
Coming soon
HR and compliance
Handbooks and labor law updates, kept current for you.
Coming soon
Local chapters
Owners in your region, meeting in person.
A live view of the member dashboard. Names and figures are blurred for privacy.
The HOC portal
Every property, every policy, one login.
- Policies, certificates and documents for each hotel
- Renewal dates and premiums tracked for you
- Share access with your family and your team
- An assistant that answers questions about your coverage
Owners helping owners
Join our community.
Owners who share what works: which carrier paid, which vendor delivered, what the franchisor is really allowed to ask for.
Advocacy
We fight for the owner, not the brand.
Unfair brand mandates, OTA commissions, labor rules that assume every hotel is a chain. HOC puts independent owners in the room.
See our advocacy work
HOC membershipFree
Every hotel owner, forever.
- Your own perpetual Member ID
- Member dashboard for every property
- Insurance quotes and proposals
- Add your spouse, family and staff
Our members run properties flagged with Hilton, Marriott, Wyndham, Choice, Best Western and IHG, and independents.
Ready when you are
Stop operating in isolation.
Get an estimate in four minutes, or join free and look around first.
Stay on the list
Rate changes, renewal deadlines and what other owners are doing about them. No noise.