Programs & Applications
Protection designed
for you.
Overview of IMA’s insurance programs and applications that meet HIMA’s requirements.
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.
About the Program
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.
Program Submission Requirements
- Completed online application
- Procedures in place to respond to water intrusion (water mitigation plan)
Builder’s Risk
HIMA – Application for Builder’s Risk
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.