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Who we insure

D&O Insurance for Hotel Ownership Groups

Do hotel ownership groups need D&O insurance?Yes. Hotel capital stacks — sponsors, mezz lenders, flag agreements, PIP obligations — generate governance claims at every downturn. D&O for ownership groups defends the decisions the property program never touches.

Who sues the leadership of hotel ownership groups

PIP deferrals and capital-call decisions split partnerships; default-era claims cite the board’s choices between flag compliance and liquidity.

RevPAR-based projections at acquisition meet market cycles; preferred-equity and mezz claims follow the misses.

How D&O fits with EPL, cyber and fiduciary coverage

The property and EPLI programs carry operations and workforce — see the hotel management liability guide. See our full hotel ownership groups management liability guide for the employment-practices side of the program. Explore D&O insurance, cyber liability, and fiduciary liability, or start with employment practices liability.

What a claim can look like

Illustrative scenario

A deferred PIP triggers flag default notices; limited partners allege the GP hid the deferral’s franchise consequences in quarterly letters.

Illustrative scenario

A refinancing collapse draws mezz-lender claims that distribution timing before the maturity stripped the borrower.

Scenarios are illustrative composites, not descriptions of actual claims or outcomes. Whether any claim is covered depends on the policy issued.

What carriers will ask about your organization

One application. Multiple A-rated carriers.

We market your account and you compare terms side by side — no obligation.

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Frequently asked questions

Single-asset LLCs everywhere. Who is insured?
The stack, mapped and swept — entity-by-entity placement invites gaps we design out.
GP-LP disputes covered?
Insured-versus-insured carve-backs decide; negotiated properly, partner claims stay defensible.
Flag disputes?
Governance claims around flag decisions are target exposure; the franchise fight itself runs on the contract.
What starts quotes?
Stack map, flags, maturities — one submission.

Provident Financial Group is an independent insurance agency, not a carrier. We place coverage for hotel ownership groups in New Jersey, New York, Connecticut, Vermont, Ohio, Pennsylvania, Michigan, Kansas, North Carolina, South Carolina, the District of Columbia, Virginia, Maryland, Delaware, Georgia, Florida, Texas, California, Kentucky, Massachusetts, Indiana, Nevada, and Arizona.