Insurance Programs
Insurance, built for hotels by people who run them.
Leverage the collective buying power of the Hotel Owners Community to access institutional-grade coverage at independent-scale rates.
Reliance RAMS: The HOC Standard
After evaluating 14 different national brokerage firms, the HOC Board of Directors has selected Reliance RAMS as our exclusive approved vendor for hospitality risk management.
- check_circle Hospitality-first underwriting criteria
- check_circle Claims advocacy teams dedicated to hotel owners
- check_circle Exclusive HOC-member only rate tables
Comprehensive
GL, Property, Workers Comp, and Umbrella policies tailored for 1-50 property portfolios.
Data-Driven
Risk assessment tools that identify potential savings before you even sign a policy.
Collective Volume
We negotiate as a block of 200+ properties, not individual owners.
Zero Commission
HOC takes no kickbacks from Reliance RAMS. All savings go to you.
Lower Risk Pools
HOC members follow strict safety standards, reducing premiums for everyone.
Program Cost Estimator
One master program covering property, general liability, $10M umbrella, EPLI and cyber. See what it would cost for your property.
Optional. Enter it to see the difference.
Estimated HOC annual cost
| Property | $0 |
| General Liability | $7,000 |
| Umbrella, $10M limit | $5,000 |
| Employment Practices (EPLI) | $500 |
| Cyber | $199 |
| Program fee (not insurance) | $2,000 |
| Estimated HOC annual cost | $0 |
Estimate only. Final pricing is subject to underwriting and your loss history.
Get a full quote →Request a Quote
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. Savings estimates are based on historical member data and are not a guarantee of future performance. 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.