1. PROGRAM DIVISION
IPOA is a leader in providing insurance solutions for our agency partners in the hospitality industry,
insuring large hotels, resorts, and spas throughout the country. With HotelPro, we bring exclusive hotel
insurance programs to agents with specifically designed extensions to address limited and full-service
hotels.
As a Lloyd’s of London cover holder, IPOA exclusively provides property and general liability solutions.
Underwriting/Program Features:
Property and General Liability solutions
Capacity up to $40 million per location
Hotel built after 1987 preferred unless completely “gut renovated”
All states, excluding Oklahoma Property
All construction types, including EIFS
Interior and exterior hotels
Liability (non-auditable policies are available)
Commercial Property: Tier 1 $15,000 minimum premium
Commercial Liability: $5,000 minimum premium
Hotel Program Extensions:
Agreed amount
Backup of sewers and drains
Business income (ALS) with ordinary payrolls
Cimicidae infestation (bed bugs)
Employee dishonesty
Equipment breakdown
Fire department service charge
Fire protection equipment recharge
Forgery or alteration
Lock & key replacement
Money & securities (on and off)
Outdoor property
Ordinance & law
Personal effects & property of others
Trees, plants & shrubs
2. Utility services
BROKERAGE DIVISION
IPOA’s brokerage division provides you with access to markets for hotel insurance solutions that fall
outside of HotelPro. This gives you an opportunity to look to one resource to place and write accounts in
specific niche markets. It also eliminates having to shop around with multiple wholesalers, which may
hinder your access to specific markets.
Commercial Property – Brokerage Capabilities:
All states
Coastal hotels
All construction classes
Interior and exterior
Resorts & spas
Limited service
Franchised and non-franchised (admitted and non-admitted options)
$7,500 minimum premium (non-CAT)
$15,000 minimum (coastal locations tier 1 & 2)
Commercial Liability – Brokerage Capabilities:
All states
All construction classes
Interior and exterior
Resorts & spas
Limited service
Hotels with slides
Auditable and non-auditable
$5,000 minimum premium
151 Lookout Place, Maitland, FL 32751 | 877-653-4762
www.ipoausa.com