Franchise Compliance

Brand Compliance

Lotus Insurance maintains active compliance with the insurance requirements of all major hotel and motel franchise brands. If your flag is listed below, we already know what your franchisor requires — and we can meet it.

Hilton sets liability limits by brand tier, not by building height. The same limit applies to general liability and auto liability, and both may be reached by stacking umbrella or excess policies over primary coverage. Hilton Garden Inn appears on both the full-service and focused-service requirement sheets — confirm the applicable limit with Hilton Risk Management before binding.

Hilton named as additional insured on all liability policies, primary and non-contributory, with waiver of subrogation. Carriers must be rated A- VII or better by A.M. Best.

Minimum Requirements

Luxury GL / Auto (Conrad, Curio, LXR, Waldorf Astoria)$25,000,000

Full Service GL / Auto (Hilton, DoubleTree, Embassy Suites, Canopy, Tapestry, Motto, HGI*)$15,000,000

Focused Service GL / Auto (Hampton, Homewood, Home2, Tru)$10,000,000

Affiliated Flags (19)

Waldorf Astoria Hotels & ResortsLXR Hotels & ResortsConrad Hotels & ResortsCanopy by HiltonSignia by HiltonHilton Hotels & ResortsCurio Collection by HiltonDoubleTree by HiltonTapestry Collection by HiltonEmbassy Suites by HiltonTempo by HiltonMotto by HiltonHilton Garden InnHampton by HiltonTru by HiltonHomewood Suites by HiltonHome2 Suites by HiltonSpark by HiltonHilton Grand Vacations

Independent or Other Brand?

We also write policies for independent hotels, motels, and properties affiliated with smaller regional brands. If your flag isn't listed above, reach out — we can review your franchise agreement and structure coverage accordingly.

Reach Out

Ready to get compliant coverage?

Tell us your brand and property details — we'll put together a preliminary quote that meets your franchisor's requirements.

Get a Preliminary Quote