Your individual risk premium modification, or IRPM is determined by the longevity of your business, and claims history. The longer you're in business, and continuously covered, the lower your risk. As such, your insurance costs are reduced as a result. We are experts at negotiating your rates, and the larger your payroll, the lower we can get it. In addition to our negotiations, we also provide you with no cost risk control services. Low Cost Hotel Insurance is your partner in reducing costs and reducing risk.

Possibly the most disastrous of all insurance claims. At any moment a suit can be brought forth, and you had better hope you have the coverage limits you need to pay for the claim. Our policies have defense costs that are unlimited and in addition to your coverage limits. In other words, when our attorneys provide your defense, those costs do not diminish the amount of coverage that you have selected. With diminishing limit policies, whatever is paid out in defense costs, are taken away from your coverage limit. Slip and fall is just one type of occurrence that could give rise to a claim. Whatever the situation, you can count on us to help.