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Differentiated Broking Solutions – Hospitality and Leisure

Competitive insurance solutions delivering best-in-class terms, identification of emerging risks and timely marketplace adjustments.

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
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