Differentiated Broking Solutions – Hospitality and Leisure

WTW’s Differentiated Broking Solutions (DBS) brings together our deep industry and technical expertise and extensive market relationships with top property & casualty insurers to deliver industry-tailored insurance solutions.

The Hospitality and Leisure Industry DBS is designed to create a sustainable, competitive solution in order to provide best-in-class terms, identify emerging risks and adjust our offerings to coincide with the ever-changing marketplace.

Overview

The Hospitality and Leisure Industry DBS is designed to have a broad industry appetite with a primary emphasis on:

• Eating and drinking places
• Hotels, motels and other lodging places
• Rooming and boarding houses
• Movie theaters
• Museums, art galleries, botanical gardens, zoos

DBS provides coverage for the core property & casualty lines of business:

• Business auto
• General liability
• Property
• Umbrella
• Workers’ compensation

Benefits

• Comprehensive pre-negotiated enhanced coverages
• Option to place coverage on a standalone basis, or in an expanded package/suite where appropriate
• Firm minimum service requirements
• Consistent, reliable program coverage

Coverage enhancements

DBS consistently delivers standardized elevated coverage to our clients. Below are just some of the many enriched coverages DBS provides.

• Extended notice of cancellation for all lines
• Per location aggregates included
• Unintentional errors and omissions and broadened notice of knowledge of occurrence included on all lines
• Enhanced CAT coverage for Time Element sublimits such as Civil Authority or Ingress & Egress

Increased property sub-limits:

• Extended Period of Indemnity Business Income 365 days
• Key replacement – $50K limit
• Minimum of $5M limit for newly acquired premises – Real property

Enhanced coverage endorsements including:

• Broad Form Named Insured
• Blanket additional insured and blanket waiver on casualty lines
• Minimum of $100 per disablement on towing and labor
• Employees as insured and employees hired autos

Carriers

• Arch
• Zurich