Missouri Non-Standard Hotel and Motel Insurance Solutions for Budget Properties | 314-580-3455

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For Larger Hotels and Resorts

Non Standard Hotel and Motel Insurance

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Dependable Brokers Agency

St Louis Missouri

Since 2013

Randy Dinwiddie

Agent

4-580-3455

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Serious Applicants ONLY please

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MISSOURI NON-STANDARD HOTEL & MOTEL INSURANCE

Budget Properties | Surplus Lines | Serious Inquiries Only

We specialize in non-standard insurance policies for budget-friendly hotels and motels throughout Missouri that have been declined by standard insurance companies.

If a standard carrier would insure your property, you likely would not need this program. This coverage is designed for properties that fall into the surplus lines market due to underwriting concerns.

Who This Program Is For

We consider:

• Budget hotels and motels (typically $100/night or less) Non Standard Hotel and Motel Insurance

• Exterior corridor (drive-up) or interior corridor properties

• Older or dated buildings

• Properties with minor past issues that are now corrected

• Independents or flagged franchises

Many applicants have been declined due to roof age, prior small losses, building age, or property profile.

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Non Standard Hotel and Motel Insurance in Missouri

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Minimum Property Requirements

Even for non-standard coverage, the following are mandatory:

• No active smoking inside rooms

• No foundation damage

• No structural wall or ceiling damage

• No visible water damage

• No mold

• No active bed bug issues

• No unresolved health department violations

• No outstanding building/code violations

• Roof must have 10–15 years of remaining life (generally no older than 12–15 years)

• Electrical system updated within the past 10 years Non standard Hotel and Motel Insurance

• Property must be clean and professionally managed

Weekly rentals may be considered. Long-term 30-day rentals typically disqualify the property.

This program is for older, non-standard properties — not severely neglected buildings.

$399 Non-Refundable Application Fee (Required Up Front)

This is a detailed underwriting process. A $399 application fee is required before submission.

Why?

• Extensive underwriting documentation

• Possible on-site inspection and written report

• Surplus lines carrier requirements

• Agency protection against E&O exposure

There are no guarantees of placement. Approval depends entirely on underwriting review.

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with age is character, and that must be protected to

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If you are shopping for leverage against your current agent, seeking a lowball quote, or not prepared to move forward, please do not contact us. We are here to place coverage — not generate comparison quotes.

Missouri Service Areas

We write policies statewide, including:

Kansas City (64101, 64106, 64108)St. Louis (63101, 63110, 63123)Springfield (65802, 65804, 65807)Columbia (65201, 65203)Independence (64050, 64055)Lee’s Summit (64063, 64064)St. Charles (63301, 63303)Joplin (64801, 64804)Jefferson City (65101, 65109)Branson (65616)Cape Girardeau (63701)St. Joseph (64501, 64506)O’Fallon (63366, 63368)Blue Springs (64014, 64015)Poplar Bluff (63901)Sedalia (65301)Rolla (65401)Lebanon (65536)Kirksville (63501)

Other Missouri cities may qualify.

Before Contacting Us

We cannot help properties with:

• Active mold or water intrusion

• A failing 20–25 year old roof

• Structural or foundation damage

• Ongoing code violations

• Repeated health department violations

If your property meets the criteria and you are prepared to move forward with the $399 application process, we are ready to review your submission.

Serious inquiries only.

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