Hotel Umbrella FAQ: Does Distinguished cover stand-alone casinos?

Distinguished’s Hotel Umbrella Insurance program offers high-limit protection tailored to the unique needs of hotel properties. With coverage extending to over 20% of the nation’s hotel rooms, Distinguished brings unmatched expertise and stability to the table. Hear from Umbrella Underwriter Jason Simering as he delves into a common Hotel Umbrella question: “Does Distinguished cover stand-alone casinos?” Our expert underwriters are dedicated to guiding you and your clients, ensuring world-class service and coverage every step of the way.


Hi there! I’m Jason Simering, an underwriter with the Premier Hospitality Umbrella program here at Distinguished. I’ve been with Distinguished for 2 years, but I’ve been in the industry for over 15 years based here in Baltimore, MD.  Today, we’re going to explore whether Distinguished can cover stand-alone casinos. Let’s dive in. 

The short answer is yes – absolutely! Stand-alone casinos with no lodging rooms are well within our preferred classes of business.  We can help you with all types of casinos, from resort types with expansive room counts and special events to stand-alone “card rooms.”   

At Distinguished, we understand the hospitality element of standalone casinos, and we excel in underwriting, identifying, and managing exposures unique to this industry. 

Now, let’s discuss some key risk factors faced by stand-alone casinos. 

First up, ensuring premises security and safety is essential. This involves cameras in common areas, internal controls to prevent video spoilage and well-trained security staff. 

Additionally, managing liquor liability is essential. This includes TIPS training, appropriate licenses, and guidelines for dealing with intoxicated patrons. 

Next up are slips and falls. High-traffic areas, spilled drinks, and maintenance issues like rugs, carpets, and flooring pose significant risks. 

To sum it up, Distinguished is well-equipped to cover stand-alone casinos. We offer expertise in underwriting, risk management, and tailored solutions to address the unique challenges of this industry. 

Thanks for tuning in. If you’re interested in learning more about insurance solutions for stand-alone casinos, don’t hesitate to reach out.  Our team is happy to assist you!

About Jason:

Jason Simering is an underwriter at Distinguished Programs with over 15 years of experience in the insurance industry. In the past year alone, he has reviewed over 60 accounts for both new and renewal, including casinos and resorts across the US. Outside of work, Jason enjoys coaching his son and daughter’s youth basketball teams, playing basketball year-round, and cheering on his favorite team, the Los Angeles Lakers. He is located in Baltimore, Maryland.

About Distinguished Programs

Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with specific expertise in Fine Art and Collectibles, Environmental and Construction Professional, Executive Lines, Inland Marine, Real Estate & Builder’s Risk, Community Associations, Hotels, and Restaurants. Property and Liability products are distributed through a national network of agents and brokers. Serving the same core markets and partnering with the most stable and reputable carriers, Distinguished’s high-limit Umbrella programs remain the clear choice in its area of specialty for superior coverage, competitive pricing, and attentive service. Through thoughtful innovation, stemming back to 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.

View a full list of our programs and submit business with Distinguished.

‣ Register Your Agency
‣ Learn More
‣ Contact Us

New call-to-action