Insurance built for hotels, placed as one block.
Property, general liability, a $10M umbrella, employment practices and cyber in one master program, priced for the group instead of one property at a time.
Insurance program powered by Reliance.
The master program.
One set of documents and one renewal date for the lines every hotel needs.
Property
Building, contents and business income, priced on your total insured value.
General liability
Guest and third party claims, the cover every flag and lender asks for.
Umbrella, $10M limit
A layer above your liability cover for the claim nobody plans for.
Employment practices
Protection against claims from employees and applicants.
Cyber
Guest data and payment systems, covered.
Claims support first
Tell us before anything reaches the carrier, so a small incident does not become a record.
See what the program would cost your property.
Enter your values. Property moves with what you insure; the other lines are fixed for every member.
| Property | $0 |
| General liability | $7,000 |
| Umbrella, $10M limit | $5,000 |
| Employment practices (EPLI) | $500 |
| Cyber | $199 |
| HOC Risk Admin Fee | $2,000 |
| Estimated annual cost | $0 |
Estimate only. This price is subject to loss runs and includes the deductible buy-down from HOC. Final pricing is subject to underwriting.
Get a full quoteFrom quote to covered, in four steps.
Ready for a real number?
Four minutes online, then we take it from there.
Important disclosures. Insurance coverage is subject to underwriting approval by Reliance RAMS and its participating carriers. The Hotel Owners Community (HOC) is a membership organization and does not act as an insurance agent or broker. Estimates are not a guarantee of price or coverage. Coverage may not be available in all states. Reliance RAMS is a third-party approved vendor and is solely responsible for all policy administration and claims handling.