Choice Hotels
Flags: Comfort Inn, Sleep Inn, Quality Inn, Clarion Inn, Cambria Hotels, Woodspring Suites, Mainstay Suites, Econo Lodge, Rodeway Inn, Comfort Suites, Radisson, Radisson Blu, Park Inn, Park Plaza, Country Inn & Suites, Comfort Suites copy, Comfort Suites, Comfort Suites, Comfort Suites, Comfort Suites
Occurrence-based CGL per ISO form CG 00 01 04 13 or equivalent.
Limits tiered by building size:
• 5 stories or fewer: $5,000,000 each occurrence / $5,000,000 aggregate
• 6 or more stories: $10,000,000 each occurrence / $10,000,000 aggregate
Per location aggregate required (if single location, state 'Only One Location' in Description of Operations).
Must include: Broad Form Property Damage, Premises & Operations, Products & Completed Operations, Personal Injury, Contractual Liability. No exclusion for terrorism. Defense costs in addition to and not eroding limits.
Limits can be met by combination of GL and umbrella/excess written as follow form to underlying GL and auto.
AI required: Primary & Non-Contributory. All individuals/entities named in Franchise Agreement must be listed as named insured.
Marriott International (Premium)
Flags: Marriott, Sheraton, Delta Hotels, Westin, Le Meridien, Renaissance, Autograph Collection, Tribute Portfolio, Design Hotels, Gaylord Hotels
$1,000,000 combined single limits per occurrence for bodily injury and property damage. Occurrence form required.
General aggregate: Not less than $2,000,000 (applies to the hotel only).
Must include:
• Premises and operations
• Independent contractors
• Host liquor liability
• Acts of terrorism
• Coverage for bacteria illness including legionella
• Blanket contractual
• Products and completed operations
• Advertising injury
• Employees as additional insureds
• Broad form property damage
• Personal injury incidental medical malpractice
• Severability of interest
• Innkeeper's and safe deposit box liability
• Explosion, collapse and underground coverage
• Third party discrimination and harassment liability
• Garage keepers liability (if valet parking)
• Third party/leased/non-hotel uses
Additional Insured: Marriott International, Inc. and its affiliates and subsidiaries.
Policies must be primary and non-contributory.
Brands: Marriott, Sheraton, Delta, Westin, Le Meridien, Renaissance, Autograph Collection, Tribute Portfolio, Design Hotels, Gaylord Hotels.
Hilton
$10,000,000 each occurrence / $10,000,000 general aggregate. Occurrence form required.
Per location aggregate required (CG2504 or broader).
Must include:
• Innkeepers liability (per statutory requirements)
• Liquor liability (if hotel serves/sells alcoholic beverages)
• Contractual liability
• Independent contractors
• Premises/operations coverage
• Products/Completed operations coverage
• Worldwide Jurisdiction (per CG2422 10/01 or broader)
• Named Perils Pollution coverage (per CG2165 or equivalent)
• Terrorism
Products-Comp/Op Agg: $10,000,000.
Personal & Advertising Injury: included.
Damage to Rented Premises: included.
Med Exp (Any one person): included.
Policies endorsed to be primary insurance with no recourse to or contribution from any similar insurance carried by Hilton Worldwide Holdings Inc., its owners, subsidiaries, and affiliates now or hereafter existing.
Additional Insured and Waiver of Subrogation required.
Brands: Hampton, Hilton Garden Inn, Homewood Suites, Home2, Tru, Spark.
Red Roof Franchising
$1,000,000 each occurrence / $2,000,000 general aggregate. Per location basis.
Occurrence form (ISO or substitute form providing equivalent coverage). Broad Form Blanket contractual liability coverage required.
Must include coverage for: liability assumed under contract, libel, slander, defamation, false arrest, detention, imprisonment, malicious prosecution, wrongful entry, sexual assault or molestation, assault and battery, invasion of privacy, and any claim for loss of property of Franchisor or any guest caused by a dishonest or fraudulent act by an employee of Franchisee.
GL limits must be written on a per location basis.
Additional Insured Endorsement: CG 2029 (Grantor of Franchise) or its equivalent. Additional Insured wording on a Certificate of Insurance is NOT acceptable.
Coverage shall be primary and without right to contribution from any coverage maintained by Franchisor or its Affiliates.
Waiver of subrogation required in favor of Franchisor, its Affiliates and successors.
Products - Comp/Op Agg: $1,000,000.
Personal & Advertising Injury: $1,000,000.
Damage to Rented Premises: Required per ACORD sample.
Med Exp: Required per ACORD sample.
ACORD Form: ACORD 25 (2014/01) - Certificate of Liability Insurance.
Franchisee shall provide notice to Franchisor of any claim or suit within three (3) days of receipt.
Best Western
Flags: Best Western, Best Western Plus, SureStay Plus, Best Western, Best Western, Best Western, Best Western, Best Western, Best Western, Best Western, Best Western, Best Western
$6,000,000 per occurrence (any combination of primary and umbrella coverage).
Best Western strongly recommends assault and battery, abuse and molestation, and human trafficking liability coverage NOT be limited or excluded.
Carbon monoxide exposure claims shall NOT be excluded or limited.
Required COI language: 'Carbon monoxide exposure claims are not excluded and covered to the full extent of General, Umbrella and Excess liability policies.'
Note: Revised 10/08/2024 — limit changed from $11,000,000 to $6,000,000.
Wyndham Hotels & Resorts
Flags: AmericInn, Baymont, Days Inn, Dolce, Echo, Hawthorne, Howard Johnson, La Quinta, Microtel, Ramada, Registry, Super 8, Trademark, Travelodge, TRYP, WaterWalk, Wingate, Wyndham Garden, Wyndham, Wyndham Grand
$1,000,000 combined single limit per occurrence. Occurrence form required.
Per location aggregate required.
Must include:
• Premises/operations coverage
• Products/Completed operations
• Independent contractors
• Contractual liability
• Personal & advertising injury
Additional Insured required — must name brand-specific entity plus Wyndham Hotel Group, LLC, Wyndham Hotels & Resorts, Inc., its subsidiaries, affiliates, officers, directors, agents, and employees.
Waiver of Subrogation required.
Policies must be primary and non-contributory.
Applies to all Wyndham brands.
IHG
Commercial General Liability insurance (including coverage for product liability, completed operations, contractual liability, host liquor liability, and fire legal liability) with single-limit coverage for personal and bodily injury and property damage of at least $15,000,000 per occurrence, naming Licensor and its parents, subsidiaries and affiliates as additional insureds.
If multiple locations are insured on policies containing an aggregate limit, then the aggregate limit must apply on a per location aggregate basis.
Per ACORD sample: Primary GL $1,000,000 each occurrence / $1,000,000 general aggregate. Occurrence form. Per location aggregate. Combined with $14,000,000 umbrella to meet $15,000,000 threshold.
During construction at the Hotel, Licensee will cause the general contractor to maintain CGL (product liability, completed operations, contractual liability) and business auto liability (hired and non-owned) with limits of at least $15,000,000 per occurrence.