When it comes to Hospitality and Habitational operations they come in all shapes and sizes.  CS&A understands the moving pieces and inherent risks that accompany these property types.  We are equipped with the knowledge and resources to properly provide the multiple lines of insurance that are needed to protect your establishment.


  • General Liability
  • Workers Compensation
  • Building Property
  • Business Personal Property/Equipment
  • Automobile
  • Excess Liability (Umbrella)
  • Business Income
  • Equipment Breakdown
  • Employment Practices Liability
  • Directors & Officers Liability
  • Cyber Liability
  • Errors & Omissions Liability
  • Miscellaneous Professional Liability


The hotel segment of CS&A works with franchisees representing national brands as well as individually owned operations across the country. Regardless of the type of hotel, CS&A can tailor an insurance program unique and specific to your operation.


  • Full Service
  • Limited Service
  • Lifestyle Brands
  • Soft Brands
  • Boutique Hotels
  • Bed and Breakfast
  • Resorts


Apartments and condominiums are full of “people”. With more “people” along comes more “risk”.  These types of properties are exposed to many exposures that are not typical to other commercial properties. It is important to have an advisor that understands these complex exposures and can help you find insurance solutions to address each of them.


  • Multi Family
  • Duplex
  • Triplex
  • High-Rise
  • Mid-Rise
  • Low-Rise
  • Townhomes


As a commercial property owner, the last item you want to worry about is if your building is adequately insured.  CS&A can help take the anxiety away by providing the coverages needed.  CS&A understands the commercial real estate market and can provide an insurance solution regardless of the type of commercial property you own.


  • Retail Shopping Centers
  • Commercial Office Space
  • Commercial Rental Properties
  • Coastal Rental Condos
  • Rental Cabins
  • Air BNB/VRBO Properties


As an entertainment facility operator, it is your responsibility to provide a safe venue for your patrons.  At CS&A it is our responsibility to make sure you can accomplish this.  Insurance is a key component of any entertainment facility.  Without the proper coverages in place, the venue can be left exposed and in a vulnerable position.


  • Event Venues
  • Golf Properties
  • Conference/Convention Centers
  • Family Fun Centers
  • Concert Halls
  • Churches