HIMA
The Hotel Insurance Management Association
Property & Casualty
HIMA Application
for Insurance
Designed to protect your entire business—people, property, and operations.
Hotels face a wide range of exposures from property damage and guest injuries to employee incidents and business interruption. HIMA is a proprietary insurance solution built specifically for hotel owners and operators. It offers broad, tailored protection that consolidates your property and casualty needs into one streamlined program.
Environmental
Pollution Insurance Program
Safeguard your hotel against environmental exposures.
Pollution insurance can fill coverage gaps commercial general liability and property coverages may not address. IMA partnered with an A+ rated carrier to create a competitive and comprehensive pollution insurance program available to hotel franchisees covering exposures like mold, carbon monoxide, and legionella.
Construction
Builder’s Risk Policy
Protect your investment during every phase of construction.
Many hotel owners assume the contractor will carry builder’s risk insurance, but relying solely on contractor coverage can result in limited control and potential gaps in protection. By securing a builder’s risk policy, hotel owners gain full transparency, better control over claims, and ensure comprehensive coverage from groundbreaking to grand opening.
Insurance Coverages
Business Auto
Provides liability coverage and, if purchased, physical damage coverage for your owned autos or those you rent or borrow.
Employment Practices Liability
Coverage that provides settlements and defense costs to protect your firm against lawsuits alleging certain workplace torts or discrimination.
General Liability
Coverage you purchase to pay for judgements and defense costs in the event you are found liable to members of the public or guests.
Property
Coverage purchased for your buildings, contents, signs and business income exposures.
Umbrella
Additional liability coverage, in excess of the General Liability, Auto Liability and Employers Liability lines of coverage.
Workers’ Compensation
Coverage for work related injuries to your employees.
Hospitality
Protecting assets in hospitality.
Discover more about our hospitality capabilities related to your business.