Commercial Insurance • Hospitality Specialists
Insurance Built From Inside the Industry.
Lotus Insurance is part of Lotus Group — a hospitality company that develops, owns, and manages hotels across the midwest. We understand this business because we're in it. There's a lot more to us than insurance.
Franchise-Compliant by Default
Every policy we write is structured to satisfy the insurance requirements of your franchise agreement — Hilton, Marriott, IHG, Wyndham, and more.
Built by Hotel Operators
Lotus Insurance is part of Lotus Group, a company that develops, owns, and manages hotels. We carry the same exposures you do — and we write coverage accordingly.
21 States. One Point of Contact.
From Kansas City across the midwest and south-central U.S., we write hospitality policies in 21 states with deep regional carrier relationships.
Franchise Compliance
Franchise-Compliant Coverage
We meet the insurance requirements of the brands you operate. Our policies are structured to satisfy franchise agreements across all major hospitality groups.
The Lotus Group
Vertically Integrated. From Concept to Coverage.
Lotus Insurance exists within a fully integrated hospitality platform. Every arm of Lotus Group informs how we underwrite, advise, and advocate for our clients.
Feasibility
Lotus Group evaluates new hotel projects from the ground up — market analysis, brand selection, and site viability. That perspective shapes how we assess risk from day one.
Development
From ground-breaking to ribbon-cutting, Lotus develops properties across the region. We understand construction timelines, builder's risk, and the transition to permanent coverage.
Ownership
Lotus owns and operates hotels under Hilton, IHG, and independent flags in Kansas City and beyond. We carry the same insurance exposures our clients do.
Management
Lotus Hospitality manages day-to-day hotel operations — front desk, F&B, housekeeping, and maintenance. We know exactly where liability exposure lives on a hotel property.
Insurance
Lotus Insurance provides franchise-compliant commercial coverage tailored to hospitality. Built by operators, for operators — with no learning curve on your business.
Lending
Lotus Group's lending arm supports hotel acquisition and refinancing across the region. We understand the capital stack and how insurance requirements intersect with lender mandates.
Why Lotus
We Insure Hotels Because We Run Them.
Most commercial insurers treat hotels like any other building. Lotus Insurance was built specifically for the hospitality industry — by people who develop, own, and manage hotels across the region. We understand franchise requirements, seasonal occupancy patterns, and the liability exposures that come with operating a property where guests live.
Our footprint spans 21 states — from our home base in Missouri and Kansas through Texas, Oklahoma, Arkansas, Iowa, and across to Tennessee, Kentucky, and Georgia. We know the local carriers, the regulatory environment, and the market dynamics that affect your premiums.
When you work with Lotus Insurance, you're backed by an organization that has skin in the game. We carry the same exposures you do. That alignment means better coverage terms, faster claims advocacy, and an advisor who genuinely understands your operation.
Coverage Territory
21 States. One Specialist.
From our home base in Missouri and Kansas, we write policies across the midwest, south-central, and southeastern United States. Deep regional knowledge, stronger carrier relationships.
Preliminary Quote
Ready to talk coverage?
Tell us about your property and we'll put together a preliminary quote — franchise-compliant and tailored to your operation.