"Great Experiences Deserve Great Protection."
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.
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