Your insurance is only as good as your agent.
(541) 895-4515 Creswell, OR

Hotel & Motel Insurance Nationwide

Ryan Hoffstot Insurance Agency

Family-Owned Since 1975

Licensed in 12 States Elite Commercial Agent Specialty Lines Expert

Hotel & Motel Insurance Nationwide

Protecting hotels, motels, and hospitality properties with complex coverage needs that most agents won't touch. We specialize in hard-to-place properties and find solutions when others say no.

Why Hotel Insurance Is So Difficult

Most insurance agents avoid hospitality because the risks are complex and many carriers won't write this business. Here's what makes it challenging:

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High Liability Exposure

Slip and falls, liquor liability, assault and battery claims, swimming pool incidents—hotels face unique liability challenges that require specialized coverage and expertise.

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Complex Property Risks

Older buildings, commercial kitchens, swimming pools, elevators, and multi-story structures create property insurance challenges most agents can't solve.

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Difficult to Place Coverage

Many major carriers exited the hospitality market entirely. Finding coverage requires relationships with specialty carriers and creative underwriting solutions.

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Multi-Location Challenges

Properties in multiple states require licensed agents with nationwide carrier relationships—something most local agents simply don't have.

We Specialize in Finding Coverage for Properties Other Agents Turn Away

When major carriers like Farmers exited the hotel market, we didn't walk away from our clients. We partnered with specialty agencies and brokers nationwide to access every possible carrier. Now we write hotels in 12 states and counting.

Why Hotel Owners Choose Our Agency

Second generations of insurance expertise meeting modern hospitality challenges

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Personaly Licensed in 12 States

Write properties anywhere in the country with our multi-state licensing and nationwide carrier partnerships,

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Elite Commercial Agent Status

One of only 200 Elite Commercial Agents nationwide—recognized for exceptional expertise in complex commercial insurance

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#1 in Oregon for Specialty Lines

Top-ranked for handling difficult, specialty insurance situations that require creative solutions

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Split-Carrier Solutions

When one carrier won't provide full coverage, we structure split-carrier solutions for complex properties

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Older Building Specialists

Expert at finding coverage for pre-1980s construction that many agents consider "uninsurable"

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All Property Types

Budget motels to luxury properties, bed & breakfasts to hotel chains—we have carrier relationships for every hospitality segment

Complex Coverage We Handle

Beyond basic property and liability, we solve the tough insurance challenges

πŸ” Assault & Battery Coverage

Critical protection for hotels with bars, nightlife, or late-night operations

🍷 Liquor Liability

Specialized coverage for hotels with restaurants, bars, or event spaces serving alcohol

πŸ—οΈ Older Building Coverage

Solutions for pre-1980s construction that others won't insure

🏊 Swimming Pool Liability

Comprehensive protection for pool-related injuries and incidents

πŸ‘” Employment Practices Liability

Defense against wrongful termination, discrimination, and harassment claims

πŸ’» Cyber Liability

Protection for guest data breaches and credit card information theft

πŸ’° Business Interruption

Loss of income coverage when property damage forces temporary closure

πŸš— Commercial Auto

Shuttle services, delivery vehicles, and company fleet coverage

From Top Hotel Writer to Nationwide Partner

For years, I was the #1 hotel writer for one of the nation's largest carriers. I built expertise in every aspect of hospitality insurance—from budget motels to luxury properties, from single locations to multi-state operations.

"Then the carriers started exiting the hospitality market. One by one, they decided hotels were too risky. But I refused to abandon my hotel clients."

Instead of walking away, I did what few agents are willing to do: I partnered with specialty agencies and brokers across the country. I built relationships with every carrier still writing hospitality business. I obtained licenses in 12 states to serve properties nationwid and I am able to access the other 38..

Today, we have access to more carriers and more creative solutions than we ever did with a single company. When one carrier says no, we have a dozen more to approach. When a property has unique challenges, we can structure split-carrier solutions that provide comprehensive protection.

The market got harder. We got better.

Currently  Write Hotels In:

Oregon
Washington
California
Idaho
Nevada
Montana
Arizona
Texas
Colorado
New Mexico
Utah
Wyoming

Expanding nationwide. If your property is in another state, contact us—we may still be able to help through our broker partnerships.

Get a Quote on Hard-to-Place Hotel Coverage

Whether you're being non-renewed, can't find coverage for an older property, need multi-state solutions, or require specialized protection—we can help.

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Fast Turnaround

Most proposals delivered within 48 hours

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Personal Service

Work directly with Ryan and our experienced team

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Creative Solutions

Access to specialty carriers nationwide