Hospitality
Guest liability, liquor exposure, seasonal revenue swings, franchise compliance. We underwrite around your actual operations, not a generic checklist.
Coverage types built around the risks your business actually faces.
Commercial Property
Building, furniture, fixtures, equipment, signage, and outdoor property. Valuation methods matched to your asset mix: replacement cost for the structure, actual cash value where it makes sense.
A full-service hotel's FF&E alone can represent 30–40% of insurable value. Under-scheduling it means a coinsurance penalty at claim time.
General and Guest Liability
Premises liability covering guest injuries, property damage, and personal injury claims. Includes medical payments, ADA-related defense costs, and pool or spa incidents.
Hotels see 2–3x the slip-and-fall frequency of standard commercial property due to high foot traffic, wet surfaces, and 24/7 operations.
Liquor Liability
Coverage for bars, restaurants, banquet services, and minibars. Protects against dram shop claims, over-service incidents, and underage serving allegations.
Most GL policies exclude liquor liability if you sell or serve alcohol. A separate liquor liability form is not optional. It is required by most franchise agreements.
Business Interruption
Lost revenue and continuing expenses when a covered peril forces closure. Includes extra expense coverage for temporary relocation and accelerated repairs.
Flat annual revenue limits miss seasonal peaks. A fire in December at a ski resort is a very different loss than the same fire in April. Your BI limit should reflect actual ADR and occupancy curves.
Workers' Compensation
Coverage for housekeeping injuries, kitchen burns, repetitive stress claims, and ergonomic issues. Experience modification rate management and return-to-work program support.
Hospitality workers' comp claims are dominated by musculoskeletal injuries in housekeeping and burns in food service. Both are preventable with the right loss control program.
Cyber Liability
Protection for POS system breaches, guest PII exposure, reservation system attacks, and PCI-DSS fines. Covers forensic investigation, notification costs, and regulatory defense.
Hotels process thousands of credit card transactions daily. PCI fines alone can exceed $500K per incident, and franchise agreements increasingly mandate standalone cyber coverage.
These aren't hypotheticals. They're the claims scenarios we see. Here's how coverage actually responds.
The fire suppression system contains the blaze, but smoke and water damage close the restaurant and 40 adjacent rooms during your highest-occupancy month.
How coverage responds: Business Interruption covers lost room and F&B revenue at actual seasonal rates, not an annual average, plus extra expense for guest relocation to partner properties.
A family guest slips near the pool, suffers a torn ACL, and files a claim for medical expenses, pain, and lost wages exceeding $400K.
How coverage responds: General Liability covers defense costs and settlement. Medical payments coverage handles immediate expenses without a liability determination, reducing litigation risk.
Attackers compromise your POS system through a phishing email to front desk staff. The breach goes undetected for 6 weeks.
How coverage responds: Cyber Liability covers forensic investigation, breach notification to affected guests, credit monitoring services, PCI fines, and regulatory defense costs.
You're Probably Overpaying for the Wrong Coverage
Employee wage issues, underreported FF&E, and liability exposures you may not realize you're carrying can leave you overpaying in some areas and underinsured in others. We'll pinpoint where premium is being wasted and where a claim could still hit uncovered.