I'm not sure. I think you might have to check with State Farm.

Just placed one for a friend of mine. We went through State Farm on a BOP policy: Included $1MM liability / $20,000 limit for MTC, $500 deductible, $5,000 BPP. Premium is $1620, but that is in Missouri. One person/one auto exposure. New in business. Rating basis was payroll for the owner only - $45,...

I would set a time-limit to have booked the room - at least 30 days (those that book during hurricane season 29 days out are just going to have to take their chances :) ). The coverage would only be offered to those who had booked the room that far in advance. Then, I would limit the payment amount ...