Our Story
We're Not Just an Insurance Agency.
Lotus Insurance was born out of Lotus Group — a hospitality company that has been developing, owning, and managing hotels across the midwest for years. Insurance wasn't an afterthought. It was a natural extension of an organization that already understood the industry from the inside out.
How Lotus Hospitality Management and Lotus Insurance Came to Be
Lotus Group started as a hospitality development and management company headquartered in Kansas City, Missouri. Over time, the team built a portfolio of hotel properties across the midwest — navigating franchise agreements, construction financing, brand compliance, and the day-to-day complexity of running hotels where guests live.
Lotus Hospitality Management grew out of that ownership experience. Rather than outsourcing operations, Lotus built an in-house management platform that handles everything from front desk staffing to food and beverage to preventive maintenance. That operational depth is what separates Lotus from a typical management company.
Lotus Insurance came next — and for a specific reason. The team kept running into the same problem: commercial insurers who didn't understand hospitality. Carriers who treated a 120-room Hampton Inn like a warehouse. Brokers who couldn't speak to franchise compliance minimums or explain why a pool changes your GL exposure.
So Lotus built its own insurance agency. One staffed by people who had already sat on the ownership side of the table. One that could look at a franchise disclosure document and know exactly what coverage was required — because they'd signed those agreements themselves.
"We carry the same exposures you do."
That's not a marketing line. Lotus Group owns and operates hotels. When a guest slips in a corridor, when a kitchen fire shuts down F&B, when a brand audit finds a compliance gap — we've been there. That experience is baked into every policy we write.
Headquartered In
Kansas City, Missouri
Writing hospitality policies across 18 states from the heart of the midwest.
Nick Patel
President & Co-Founder
Dominic Harkness
Co-Founder & Chief Producer
One Platform. Six Capabilities.
Lotus Insurance doesn't exist in isolation. It's one part of a fully integrated hospitality organization — and that integration is what makes our coverage different.
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 Management handles 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.
Ready to work with people who get it?
If your property is in our coverage territory, we can put together a preliminary quote — franchise-compliant and built around your actual operation.