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

Hotel & Motel Insurance Nationwide

Ryan Hoffstot Insurance Agency Inc

Showing you the difference between just having insurance and being insured.

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:

Risk

High Liability Exposure

Slip and falls, liquor liability, assault and battery claims, swimming pool incidents, and similar issues create unique liability challenges that require specialized coverage and expertise.

Property

Complex Property Risks

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

Markets

Difficult to Place Coverage

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

States

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 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-generation insurance expertise meeting modern hospitality challenges.

Yes

Personally Licensed in 12 States

We write properties across the country with 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.

Yes

Top Oregon Specialty Lines Experience

Known for handling difficult specialty insurance situations that require creative solutions.

Yes

Split-Carrier Solutions

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

Yes

Older Building Specialists

We are experienced at finding coverage for pre-1980s construction that many agents consider difficult to insure.

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All Property Types

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

Complex Coverage We Handle

Beyond basic property and liability, we help solve the tough hotel and motel insurance challenges.

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.

Older Building Coverage

Solutions for pre-1980s construction that other agents often struggle to insure.

Swimming Pool Liability

Comprehensive protection for pool-related injuries and incidents.

Employment Practices Liability

Defense against wrongful termination, discrimination, and harassment claims.

Cyber Liability

Protection for guest data breaches and credit card information theft.

Business Interruption

Loss of income coverage when property damage forces a temporary closure.

Commercial Auto

Shuttle services, delivery vehicles, and company fleet coverage.

From Top Hotel Writer to Nationwide Partner

For years, I was the top 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 and 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 carriers still writing hospitality business. I obtained licenses in 12 states to serve properties nationwide, and we may be able to access options in the other 38 states as well.

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 more markets 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 Writing 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.

Fast

Fast Turnaround

Most proposals delivered within 48 hours.

Team

Personal Service

Work directly with Ryan and our experienced team.

Options

Creative Solutions

Access to specialty carriers nationwide.