MKM Hotels
HUB Team Haugen . Property & Casualty
A multi-brand hotel management portfolio across Oregon, Idaho, and Washington needs a P&C broker who understands LLC entity structure, franchise compliance, and the bridge from acquisition to stabilized operations. That is exactly what Team Haugen builds.
SEE THE FULL PROGRAMThe Haugen Difference
Most insurance brokers show up at renewal with a price. Team Haugen shows up year-round with a strategy. For an operator like MKM, managing a growing multi-brand multi-state hotel portfolio with active acquisitions and repositioning work, that distinction is everything.
We build insurance programs around how MKM's business is actually structured: LLC entities, lender requirements, and franchise obligations. No gaps, no overlap, no surprises at claim time.
HUB's national scale gives Team Haugen access to specialized hospitality carriers and programs that smaller regional brokers simply do not reach. Markets built specifically for multi-property hotel operators.
We understand the transitional risk of buying a distressed hotel. Builder's risk, vacant property, contractor liability. We know how to bridge coverage from acquisition to stabilized operations without leaving MKM exposed during that window.
Based in Oregon. Long-standing relationships with the carriers who actively want Oregon-based hospitality accounts. Logan, Spencer, Hayden, and Don do not disappear after renewal. We proactively manage certificates, update values as properties change, and stay ahead of issues so MKM is never scrambling at closing or renewal time.
Hospitality & Hotel Management
Multi-property hotel management companies like MKM present a layered commercial insurance challenge. Unlike a single-location owner-operator, MKM manages multiple entities, brands, ownership structures, and physical locations across Oregon, Idaho, and Washington, each with distinct lease terms, franchise agreements, and liability exposures. Here is the risk picture we see across the program.
Multi-Brand, Multi-Entity, Multi-State
MKM uses separate LLCs for each acquisition. A well-structured program needs to address how entities are named, how shared services are covered, and how liability is allocated. Franchise brand compliance mandates minimum coverage levels, IHG, Choice, Wyndham, and La Quinta each carrying their own insurance requirements that have to be met.
Active Repositioning Risk
When MKM acquires a distressed property, there is a period of significant construction exposure: builder's risk, contractor liability, and potential vacant property risk, before the hotel is rebranded and operational. Coverage has to be bridged across that window so nothing is exposed during renovation.
Hospitality-Specific Exposure
High guest foot traffic, pools, fitness, parking, and event spaces drive GL claims. Hospitality is high-turnover, which drives EPLI. Hotels store significant guest PII, credit cards, IDs, booking data, putting cyber exposure among the highest in any industry. Older acquired properties often carry mold and premises pollution concerns post-renovation.
Commercial Property
Multiple buildings across Oregon, Idaho, and Washington, with varying construction type, age, and renovation status. Active repositioning projects mean values are constantly shifting. Proper replacement cost valuation is not a one-time exercise on this account.
Active repositioning across the portfolio means building and contents values change. We treat replacement cost valuation as an ongoing exercise, with updates tied to renovation milestones and property acquisitions.
Construction type, age, and renovation status varies across every property in the portfolio. The schedule reflects what each building actually is, not a one-line-fits-all assumption.
Active real estate activity means ongoing COI management across multiple stakeholders. We keep lender and franchisor certificate requirements coordinated so closings and renewals never wait on insurance.
When MKM acquires a distressed property, there is a window of construction and vacant exposure before the hotel is rebranded and operational. Coverage is bridged across that window so nothing is exposed during renovation.
General Liability
High guest foot traffic, pools, fitness centers, parking lots, and event spaces create significant slip-and-fall and bodily injury exposure across MKM's portfolio. Franchise standards mandate minimum limits. The public-facing nature of hospitality compounds the exposure across every property in the portfolio.
High guest foot traffic across every location. Slip-and-fall and bodily injury are the most common GL claims in hospitality. The schedule and limits reflect that frequency, with attention to where each property sits on the risk profile.
Each amenity adds its own GL profile. We price and limit per the actual property mix rather than applying a uniform hospitality template across the schedule.
Franchise standards mandate minimum coverage levels. We are fluent in IHG, Choice, Wyndham, and La Quinta insurance requirements, and we structure the program so every brand in the portfolio is in compliance from day one.
Given multi-property, multi-state operations and the public-facing nature of hospitality, robust umbrella limits provide essential protection over underlying GL, auto, and EPLI policies. We size the tower to MKM's actual exposure footprint.
Additional Coverages
Commercial Property and General Liability are the two pillars. The hospitality program rounds out across workers' comp, business interruption, employee practices, cyber, liquor, excess, fleet, and the equipment that travels with every renovation. Here is how we treat each one.
Your Team
Year-round, proactive service. Logan, Spencer, Hayden, and Don do not disappear after renewal. We proactively manage certificates, update values as properties change, and stay ahead of issues so MKM is never scrambling at closing or renewal time.
SVP, Commercial Lines / Team Haugen Lead
Associate Advisor, Commercial Lines
Associate Advisor, Commercial Lines
Private Client Risk Advisor
Private Client Risk Advisor
Vice President, Workers' Compensation
Workers' Compensation Claims Analyst
Insurance Adjuster
Client Services Advisor
CL Sr. Account Manager
CL Account Manager II
CL Account Manager II
CL Account Manager II
Sr. Risk Management Consultant
CL Account Manager
CL Account Manager
MKM Hotels
Schedule a working session with Logan Haugen and the HUB team to walk through how we would structure MKM's program: Property and GL as the pillars, with builder's risk, vacant property, and franchise compliance built around how MKM actually operates across Oregon, Idaho, and Washington.
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