Buildings and replacement values
Review construction, roof condition, renovations, and building and contents values. Older properties may need a closer look at ordinance-or-law provisions and the cost of restoring the building after a covered loss.
Charleston, South Carolina · Hospitality insurance
Hotel insurance in Charleston
A hotel’s insurance needs reach beyond its rooms. Turner works with hospitality owners to review the property, guest experience, and services behind a Charleston stay—from a small inn to a hotel with food, beverage, and event operations.
Turner Lacaze · Licensed producer with Maury, Donnelly & Parr Inc
A better starting point
What to review with Turner
Everything a guest can use
Pools, valet service, shuttles, restaurants, bars, fitness rooms, and event spaces each add information an underwriter needs. Identify who operates each amenity and review contracts with outside operators.
Downtime on the coast
Discuss flood and wind exposure alongside business-income and extra-expense terms. For a Charleston hotel, ask how deductibles, waiting periods, restoration periods, and a seasonal revenue pattern affect the proposed program.
Make the conversation useful
What to bring
Start with what you have. Turner can help identify the information still needed for a carrier review.
- Property addresses, room counts, occupancy, and annual revenue
- Building values, construction details, roof updates, and protection systems
- A list of amenities, third-party operators, and event activities
- Current policies, renewal date, and available loss runs
Before you request a review
Are flood and named-storm losses treated the same?
They may be treated very differently. Ask Turner to identify the applicable forms, exclusions, and deductibles in each proposal and whether a separate flood policy is needed for the property.
Can the review include a restaurant or bar inside the hotel?
Yes. Include food and alcohol sales, operating hours, events, and whether your business or another company operates the venue. Turner can then review that exposure as part of the overall insurance conversation.
Let’s look at your operation.
Tell Turner about your business and your timing. He’ll review the details with you before any coverage decision.
Start your reviewPlease be advised coverage cannot be bound, altered, or changed without receiving verbal or written correspondence from a licensed MDP insurance specialist.