Hospitality
Tailored insurance solutions for restaurants, hotels, bars, and service-oriented businesses in the hospitality industry.
Understanding Your Risk Profile
Hospitality businesses face unique exposures including food safety liability, liquor liability, guest injuries, and property damage. Your operations require comprehensive coverage protecting both your physical assets and your customers throughout their experience.
Key Risk Exposures
Common risks and challenges facing businesses in this industry
Food Safety Liability
Foodborne illness claims, contamination incidents, and food safety violations can result in costly lawsuits and reputation damage.
Liquor Liability
Serving alcohol creates exposure for injuries or damages caused by intoxicated patrons after leaving your establishment.
Guest Injuries
Slip and fall accidents, burns, allergic reactions, and other guest injuries on your premises create liability exposure.
Kitchen Fires
Commercial kitchen fires from cooking equipment, grease buildup, or electrical issues can devastate operations.
Employee Injuries
Burns, cuts, slips, and repetitive motion injuries are common in fast-paced hospitality environments.
Business Interruption
Forced closures from fire, health violations, or disasters can devastate cash flow and customer relationships.
Recommended Coverage Solutions
Essential insurance coverages tailored for your industry
General Liability
Covers bodily injury, property damage, and food-related claims from guests and visitors.
Learn MoreCommercial Property
Protects your restaurant, hotel, equipment, inventory, and business property from damage.
Learn MoreWorkers Compensation
Required coverage protecting hospitality employees from workplace injuries and burns.
Learn MoreCommercial Auto
Covers delivery vehicles, catering vans, and shuttle services for hospitality operations.
Learn MoreProfessional Liability
Protects against errors in event planning, catering services, or hospitality consulting.
Learn MoreCommon Claims & Exposures
Understanding what can go wrong helps you prepare better
Slip and Fall Accidents
Very CommonGuest injuries from wet floors, cluttered aisles, or uneven surfaces in dining and common areas.
Foodborne Illness Claims
CommonCustomers alleging food poisoning or contamination from meals served at your establishment.
Kitchen Fires
CommonGrease fires, equipment malfunctions, or electrical issues causing property damage and closures.
Liquor Liability Incidents
OccasionalClaims arising from accidents or injuries caused by intoxicated patrons after leaving.
Employee Burns and Cuts
Very CommonKitchen staff injuries from hot surfaces, sharp equipment, and fast-paced work environments.
Property Theft
CommonTheft of cash, equipment, or inventory from restaurants, hotels, or hospitality venues.
Frequently Asked Questions
Common questions about insurance for hospitality businesses
Download Your Industry Guide
Get a comprehensive PDF guide with coverage recommendations, risk management tips, and industry-specific insights.
Related Articles & Insights
Learn more about protecting your business
Restaurant Insurance Essentials: Protecting Your Hospitality Business
From kitchen fires to slip-and-fall accidents, learn how to properly insure your restaurant.
5 Common Workers Compensation Mistakes
Avoid these costly errors when managing your workers compensation policy.
How to File a Commercial Property Claim
Navigate the claims process smoothly with this detailed walkthrough.
Ready to Protect Your Business?
Let's discuss your specific coverage needs and build a customized insurance program for your business.