Hospitality
Hospitality businesses welcome the public every day. We protect your property, your guests and your revenue with programs built for hotels, restaurants and venues.
Guest injuries, liquor liability, food spoilage and unexpected closures are everyday risks in hospitality. Our programs address each one so a single incident doesn't threaten the business.
What's covered
Property
Covers buildings, furnishings, kitchen equipment and amenities.
General liability
Protects against guest and customer injuries on your premises.
Liquor liability
Covers claims tied to serving alcohol, which general liability typically excludes.
Business interruption
Replaces lost income and pays ongoing expenses when a covered loss forces you to close.
Equipment breakdown & spoilage
Covers mechanical failures and the food or inventory lost when equipment fails.
Employment practices
Protects against claims from employees in a high-turnover industry.
Who it's for
- Hotels & resorts
- Restaurants & bars
- Breweries
- Event venues
- Golf & country clubs
- Entertainment centers
Venues we insure
What coverage typically includes for each type of hospitality business.
Hotel casinos & gaming
Property coverage for gaming equipment and facilities, liability for guest incidents, and business interruption protection against unexpected closures.
Hotels & resorts
Comprehensive property and general liability, business interruption, and coverage for guest belongings and amenities.
Restaurants & breweries
Property for equipment and facilities, liability for customer injuries and foodborne illness, liquor liability and business interruption.
Golf clubs
Property coverage for grounds and clubhouses, liability for member and guest injuries, and environmental liability tied to course and water maintenance.
Marinas & yacht clubs
Property coverage for docks and club facilities, member and guest liability, pollution liability and coverage for boats in your care.
Sports complexes
Liability for injuries, property coverage for equipment and facilities, and event cancellation insurance when scheduled activities are disrupted.
Bowling centers
Property coverage for lanes and equipment, customer injury liability, and business interruption protection against lost revenue.
Common questions
Doesn't general liability cover alcohol-related claims?
Usually not if you sell or serve alcohol. Liquor liability is a separate coverage, and many leases and licenses require it.
What happens to my income if a fire closes my restaurant?
Business interruption coverage replaces lost income and helps pay ongoing expenses like payroll and rent while you rebuild.
Is food spoilage covered during a power outage?
It can be, with spoilage and utility service interruption coverage. We'll make sure the limits match your inventory.
Have questions about your policy?
Talk to a licensed agent who knows your file. We'll review your coverage, answer questions and find savings where we can.