Suitelife features

  • Exclusive access to our proprietary Resort Package
  • Deviated Workers Compensation rates
  • Access to multiple, highly-rated insurance carriers:
    • Zurich in North America
    • Chubb Group of Insurance Companies
  • The broadest coverage language available to resort properties
  • Added catastrophic (CAT) capacity
  • Ability to handle multiple locations
  • Proprietary risk management services including claims, loss control, managed care through IRISK Solutions
  • Access to large deductible and SIR structures
  • Available in All States

Eligible Risks

The program is ideally suited for destination and private resort communities with such amenities as:

  • First-class lodging
  • Fractional ownership/Rental pool properties
  • Restaurant / Lounge
  • Golf course & club operations
  • Conference facilities
  • Full-service salon / Spa
  • Fitness center
  • Pool / Beach
  • Retail store / Pro shop


  • Property – limits up to $250 million per location
  • General Liability
  • Commercial Auto
  • Liquor Liability
  • Miscellaneous Professional Liability
  • Pollution Liability
  • Cyber Risk & Privacy Liability – limits up to $2 million
  • Umbrella Liability – limits up to $100 million
  • Workers' Compensation – available in all states for resorts and property managers (Premiums starting at $100,000)

Claims Management

Claims Management is about financial strength and friendly, efficient claims resolution. Here’s how we get there:

1. We work with top-rated carriers. The Suitelife program works exclusively with IRISK Solutions to oversee the loss control and claims administration efforts of each of the Suitelife’s carrier partners to ensure that they meet our customer response and action requirements.

2. We make customer satisfaction our mission.

  • Clients enjoy toll-free claims reporting to dedicated claim offices
  • Our claim managers are knowledgeable, efficient, and friendly
  • Our claim staff completes all required state reporting
  • Our clients receive monthly loss runs with quarterly claim reviews
  • We develop and help our clients implement transition/modified duty programs
  • Claim reviews
  • Newsletter addressing relevant industry topics

Loss Prevention

  1. On-site physical survey and detailed evaluation of all resort operations
  2. Customized risk control program to improve risk control services and limit loss
  3. On-site visits and risk control seminars to educate resort staff
  4. Ongoing assistance with safety and risk control programs
  5. Customized safety manual designed specifically for the resort industry.
  6. Continual program monitoring and analysis

Managed Care

  • Bill review and re-pricing
  • PPO participation and discounts
  • PPO savings
  • EIP (Early Intervention Program) Services
    • Registered Nurse (RN) will call on every lost time claim to determine the need for case management. Contact to be made within 24 hours of receipt of claim.
    • Case Managers are assigned to all lost time claims
    • Case Managers located throughout the country
  • Vocation Rehabilitation
    • Negotiated rates
    • Relationships with experts
  • RTW (Return to Work) Programs
    • Resources for establishing RTW Programs
  • California – Managed Provider Networks
    • Control treatment providers for life of claim
    • Utilization of In-Network approved doctors and providers
    • Additional savings
    • On-line access to search Network providers
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