Where We Write
Coverage Territory
Lotus Insurance writes hospitality policies across 21 states, with deep roots in the Midwest and expanding coverage throughout the South and Great Plains.
Legend
What We Cover
Lines of Coverage Available
Property
Building, contents, and business interruption coverage tailored to hospitality operations — including ordinance or law, equipment breakdown, and brand-required terrorism endorsements.
General Liability
Per-occurrence and per-location aggregate limits structured to meet franchise brand minimums across all major flags, including pool, liquor, and assault & battery exposures.
Workers' Compensation
Statutory workers' comp and employers liability for hotel staff, including housekeeping, food service, and maintenance — with experience modification management support.
Commercial Auto
Owned, hired, and non-owned auto liability for shuttle operations, valet services, and employee business use — including hired car physical damage where needed.
Umbrella / Excess
Lead umbrella and excess layers up to $100M+ to satisfy Marriott, Hilton, IHG, and other brand requirements — written on a follow-form basis over underlying policies.
Liquor Liability
Host liquor and liquor legal liability for hotels with restaurants, bars, banquet facilities, or in-room minibars — structured to meet Choice, Wyndham, and Sonesta franchise requirements.
Your state. Your brand. Your coverage.
If your property is in one of our 21 covered states, we can put together a preliminary quote — usually within 24 hours.