Hospitality Business Insurance

Hospitality Business Insurance

Protecting guests, staff, and daily operations

Hospitality businesses face constant exposure to guest injuries, property damage, employee claims, liquor liability, and operational risks. Hotels, motels, resorts, event venues, and entertainment facilities interact with the public every day, creating a higher likelihood of accidents, disputes, and unexpected losses. From property damage to guest allegations, even a single incident can impact reputation, revenue, and long-term stability.

Properly structured insurance helps protect your property, your guests, and the continued operation of your business.

Key Risks in Hospitality Operations

Hospitality businesses face exposure related to:

• Guest injuries or premises liability claims

• Property damage or catastrophic loss

• Liquor liability incidents

• Employee injuries or employment disputes

• Theft or damage to guest property

• Food service or event-related claims

• Business interruption after a covered loss

Losses can occur even in well-managed facilities.

Core Coverages for Hospitality Businesses

Hospitality insurance programs typically include:

General Liability
Protects against bodily injury and property damage claims involving guests, visitors, or vendors.

Commercial Property
Covers buildings, furniture, equipment, and business contents against covered physical loss.

Liquor Liability (when applicable)
Protects against claims involving alcohol service at bars, restaurants, or events.

Workers Compensation
Provides coverage for employee injuries as required by law.

Business Income / Business Interruption
Protects lost income if operations are suspended due to a covered loss.

Employment Practices Liability
Protects against claims involving wrongful termination, harassment, or discrimination.

Umbrella / Excess Liability
Provides additional limits for severe or multi-claim scenarios.

What’s Commonly Overlooked

Hospitality insurance programs are often weakened by:

• Underinsured buildings or contents

• Missing liquor liability coverage

• No business income protection

• Inadequate liability limits for guest exposure

• Failure to cover events or entertainment

• Gaps between property and liability policies

These problems often appear only after a major loss.

Real-World Claim Examples

• A guest slips and is injured on the property

• Fire damages part of the hotel or venue

• Alcohol service leads to a liability claim

• An employee files a workplace injury claim

• A storm forces temporary closure of operations

Even one claim can disrupt business operations.

Why Proper Placement Matters

Hospitality coverage varies significantly based on:

• Type of facility

• Guest volume and occupancy

• Alcohol or food service exposure

• Event or entertainment operations

• Property value and location

• Contract or franchise requirements

Improper placement can lead to uncovered losses or insufficient limits.

Our Approach

At Cory Washington & Co., we structure hospitality insurance programs based on how your business actually operates — including guest exposure, property value, events, and alcohol service. We coordinate liability, property, employment, and income protection to ensure your coverage keeps up with the demands of hospitality operations.

Businesses that serve the public need protection built for the public.