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              Underwriting Guidelines


for the hospitality market segment is able to consider a wide variety of hotels, including limited service, full service, resorts and boutiques.  Our target accounts include branded properties, but we will consider other upscale properties on a case-by-case basis.  Please open the following attachment for our account and line of business underwriting guidelines as well as detail on our target customers.


ZAS Hotels Underwriting Guidelines.pdf (PDF file). 
You will need Adobe Acrobat to open this file.

General Account Criteria

  • No unsupported auto, workers compensation, umbrella

  • No bankruptcy proceedings for the past seven years, financially sound

  • Hotel management with at least five years experience

  • Hotel has a formal safety program in place

  • Hotels four stories and over must be sprinklered

  • In-room, hardwire smoke detectors are required










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