Hospitality Program

As a hospitality business owner or manager, it is imperative that you insure your business so it’s properly protected with the right insurance policy. Wilson Mutual has been a leader in meeting the insurance needs of the hospitality industry for years. Our specialized programs are customized to meet the insurance needs of:

• Restaurants and Taverns
• Resorts
• Hotels
• Motels
• Bowling Alleys
• Halls
• Bed & Breakfast Inns

Our Hospitality Program provides superior coverage for property, loss of income and liability; plus other valuable coverages in one comprehensive package. Your Wilson Mutual agent can help you find the right combination of coverages that are best for you. In the meantime, here is some useful information about the Wilson Mutual Hospitality Program.

• Businessowners Package
• Liability based on: 
  • Hotels – number of units
  • Resorts – number of units, cabins, etc.
  • Bowling alleys – area that can be accessed by the public (halls rated separately; area of lanes not counted)
  • Bed and Breakfast Inns –– number of rooms
• Not subject to audit for general liability
• Many standard and optional coverages
• Premium credits for several types of protective devices and services

Our programs offer broad automatic coverage like:

• Accounts receivable –– $10,000
• Debris removal –– $5,000 or 25 percent of direct physical loss
• Fire department services charges –– $1,000
• Pollutant clean-up and removal –– $10,000
• Spoilage –– $2,500

• Ordinance or law –– $5,000
• Back-up of sewers and drains –– $2,500
• Computers –– $5,000
• Loss of income –– Actual loss sustained for up to 12 months with building or contents coverage
• Outdoor signs –– $2,500

• Monies and securities –– $2,000 on premises/$2,000 off premises
• Antennas, fences and outdoor signs –– $2,500
• Personal property off premises –– $2,500
• Valuable papers –– $10,000

• Property off premises –– $10,000
• Personal property of others –– $2,500
• Off-premises utility failure –– $10,000
• Personal effects –– $500
• Equipment breakdown coverage –– Included

Our PACE coverage is available at a small additional flat charge and offers even more coverage and higher limits of coverage to some of the standard coverages.

• Glass –– Replacement cost
• Employee dishonesty –– $10,000
• Outdoor signs –– $10,000
• Property off premises –– $10,000
• Personal property of others –– $10,000
• Spoilage –– $10,000
• Computers –– $10,000

• Coverage for property of guests – hotels and motels, resorts, and bed & breakfast inns
• Personal residence property covered as business personal property – bed & breakfast inns and resorts
• Personal liability coverage – bed & breakfast inns and resorts
• Liquor liability coverage – restaurants, resorts, hotels, motels
• Fine arts coverage & personal articles coverage
• Garagekeepers legal liability – restaurants/hotels with valet parking
• Hired/non-owned automobile liability
• Employee benefits liability coverage

Don’t forget about these related products
to complete your program

• Commercial auto – up to $1,000,000 CSL
• Commercial umbrella - $5,000,000+ limits available
• Workers’ compensation – dividend programs starting at $1,000 premium

As a businessowner, you know the value of hiring the right people with the right skills to help make your business successful. Although you can't really know if that candidate for your newest job opening is the one, you can help reduce the risk of hiring someone with a criminal record by performing a criminal background check.

Fast, easy, affordable background checks
As a Wilson Mutual policyholder, you can help reduce your exposure to some of the uncertainty that comes with the hiring process. Wilson Mutual has teamed up with IntelliCorp Records Inc. to provide customers with pre-employment background checks at a reduced cost.

A leading national provider of background checks, IntelliCorp has packaged some of its most popular products at a reduced rate, which include:

• Nationwide Criminal Search
• 50-State Sex Offender Registry
• Social Security Address Check
• Terrorist Search – Identifies people and organizations involved in terrorism and international narcotics.
• Assists in meeting OFAC requirements.
• One Single-County Check – Criminal records held at a county-seat level that generally include felony and/or misdemeanor records. Useful when a more comprehensive and/or current database search is necessary.

It's easy to get started. Simply visit IntelliCorp's Web site and follow the registration instructions. To receive your reduced-cost pre-employment background check, enter promo code MIGWM when prompted.

You have a lot to deal with just in the day-to-day operations of your business, and you might not have the time or resources to stay up to date with new federal regulations designed to protect your customers from identity theft.

The new stipulations are part of the Fair and Accurate Credit Transactions Act of 2003, and require businesses offering any kind of "covered account" or payment account to create their own identity theft "Red Flag" plan -- or warning signs that indicate possible identity theft.

We're presenting informational resources to you in the form of a planning guide and frequently asked questions that can help you create your unique Red Flag plan.

The regulation defines a covered account as:

• An account primarily for personal, family or household purposes that involves or is designed to permit multiple payments or transactions, or;
• Any other account for which there is a reasonably foreseeable risk to customers or the safety and soundness of the financial institution or creditor from identity theft.

Because your business’ needs are unique, your plan will need to be tailored to your operation. You should consult legal counsel or your business association about specific issues of your plan.

No coverage is provided by this Web site. This Web site only illustrates coverages offered under the Wilson Mutual  Hospitality Program. It is not a statement of all policy coverages, provisions, conditions, or changes. Certain deductibles, provisions and limits may apply. Please see your Wilson Mutual agent for a complete listing of policy coverages and provisions. If there is a conflict between this Web site and the policy, the policy provisions shall prevail.