AAHOA Partnership
Several thousand Asian American Hotel Owners Association (AAHOA) hotel insurance members own approximately 60% of hotels in the United States — hotels built by families through personal investment and decades of hard work. HUB International is a bronze industry partner to AAHOA, bringing cross-cultural experience to serve the community that built so much of this industry.
Stay Ahead of Industry Challenges
What makes hotel insurance different when you're the owner, the operator and the risk manager all at once
Most large hotel chains have a risk management department, but most AAHOA members are the risk management department. HUB’s AAHOA advisors work with owner-operators managing one property and portfolio builders growing to 10, bringing the advisory support, pricing access and program design that a dedicated risk department would normally provide.
Many first-generation hotel owners reach a point where the bigger questions take over: expanding the portfolio, transitioning the business to the next generation or structuring employee benefits for the first time. Those decisions require an advisor with genuine cultural fluency, not just insurance expertise.
HUB's AAHOA advisors bring that cultural fluency to every relationship, combined with advisory scope spanning hotel insurance, employee benefits and the personal wealth protection that connects the family's business assets to their long-term financial plan.
The conversation HUB has most often with AAHOA members who have decades of experience in the business goes beyond coverage limits; it is about whether the business is structured to protect what they've built.
AAHOA members who work with HUB advisors who know their cultural context and business goals engage in the growth, protection and succession conversations that define the next chapter, not just the insurance renewal that keeps their current properties covered.
An independent owner buying hotel insurance receives pricing reflecting one property's risk profile. A large hotel chain gets pricing reflecting a couple hundred properties' premium volume. The AAHOA member who owns two franchise hotels is a small buyer in a market that prices for scale.
HUB's AAHOA partnership leverages the collective significance of the partnership in its carrier relationships, giving individual members access to insurance economics that reflect the AAHOA community's market weight rather than a single owner's buying position.
AAHOA members who move their programs to HUB are not just changing brokers; they're accessing a program architecture built around this community and its operating context, different from the standard hotel program their prior broker may have applied.
AAHOA members insured through HUB's partnership program access coverage terms informed by the collective weight of several thousand-member network, not the individual buying power of a two-property owner competing for carrier attention alongside a couple hundred property institutional client.
Independent AAHOA hotel owner-operators navigate hotel insurance program compliance — brand standard requirements, general liability (GL) insurance, property, workers' compensation and cyber coverage — without the institutional support that a hotel management company provides. Every insurance decision lands on the same person also responding to brand audits and negotiating with the lender.
HUB's AAHOA-endorsed advisors provide the consultation, educational resources and ongoing guidance that serve as the risk management function the independent owner-operator doesn't have on staff, making the partnership more than an insurance placement and an ongoing advisory infrastructure between renewals.
AAHOA members who manage their programs most confidently have an AAHOA-endorsed advisor they can call when a question arises, not one they hear from only at renewal. That matters most when something goes wrong.
AAHOA members with an ongoing HUB advisory relationship approach their hotel program as a managed business function with consultation and support that gives independent owners the confidence a large hotel management company builds into its risk function.
Tailored Risk Solutions for Your Industry
How HUB's AAHOA partnership translates into insurance programs, advisory resources and community access for your hotel ownership journey
HUB's AAHOA partnership is built on ongoing investment in the community's advocacy and education mission. For members, that investment translates into: hotel insurance programs designed for how the community owns and operates hotels, advisory beyond annual placement and resources that help hotel owners grow.
AAHOA members operating franchise hotels manage insurance programs that must satisfy both their own risk management needs and the brand standard requirements specified in their franchise agreements. HUB's AAHOA advisors understand the brand standard landscape across the franchise brands where AAHOA members concentrate — Marriott, Hilton, InterContinental Hotels Group (IHG), Choice Hotels, Wyndham and others — and design programs that satisfy brand minimums while being appropriately sized for the owner's risk profile rather than over-insured to the brand's maximum requirements. For AAHOA members also operating franchise properties who need a Franchise Disclosure Document (FDD) compliance tool and systemwide certificate management, HUB's Franchise Insurance Solutions platform offers dedicated support alongside the AAHOA partnership program.
The AAHOA partnership gives individual members access to HUB's carrier relationships and hotel insurance pricing that reflects the collective significance of the several thousand-member network, not the single-property buying position of an independent owner purchasing coverage independently. HUB's Hospitality practice manages substantial volume of hotel premium across a large portfolio of lodging clients, a scale that enables carrier access and negotiating leverage in the hotel insurance market that an individual AAHOA member owner-operator cannot achieve alone. For AAHOA members whose employed team has grown to the point where employee health benefits have become a real business need, HUB's employee benefits advisory — including the HUB Hospitality Benefits Captive for larger operations — extends the same scale advantage to the benefits program. The educational resources HUB contributes through the AAHOA partnership give members the industry knowledge to be better-informed buyers.
The AAHOA partnership positions its advisory relationship around the full arc of hotel ownership. For first-generation hotel owners approaching the succession stage, HUB's AAHOA advisory extends beyond the commercial insurance renewal into the personal and family financial dimensions that a hotel property represents for its owners. HUB's Private Client practice provides personal umbrella, valuable articles, residential and personal auto programs for hotel owners whose personal asset base has grown alongside their business portfolio. HUB's Retirement Private Wealth practice provides financial planning and advisory for hospitality business owners at the stage where personal wealth protection and succession are the primary conversations. For AAHOA members at the growth stage — acquiring new properties or expanding into new markets — HUB's advisors bring the program structuring knowledge to make each acquisition as smooth as possible.
Industry Insights
Hotel insurance resources for AAHOA members from HUB's Hospitality practice
