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.
Coverage by Hospitality Type
Every hospitality business carries its own signature exposure, and we insure each one around it. Find yours:
- Hotel & Motel Insurance — premises, security, liquor, and cyber for lodging
- Bed & Breakfast Insurance — the home-and-business gap for small inns
- Vacation & Short-Term Rental Insurance — the business-use gap for Airbnb and VRBO hosts
- RV Park & Campground Insurance — open-acreage premises and recreational hazards
- Hostel Insurance — communal, transient budget lodging
- Bar & Tavern Insurance — liquor liability and assault & battery
- Nightclub Insurance — crowds, entertainment, and late-night risk
- Event Venue Insurance — vendor risk transfer, liquor, and cancellation
- Wedding Venue Insurance — host liquor and the single high-stakes day
- Event & Wedding Planner Insurance — professional liability for the service itself
- Party & Event Rental Insurance — inflatables, tents, and equipment in public hands
- Golf Course & Country Club Insurance — many businesses, acreage, and stray-ball liability
- Community Center Insurance — multi-use facilities and public programs
- Youth Camp Insurance — abuse/molestation and participant-injury exposure
- Restaurant Insurance — food, kitchen fire, and premises risk
- Catering Insurance — off-site food service and equipment
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.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
Not sure your coverage is complete? Run the Hospitality Coverage Self-Review Checklist — tick what you can confirm, and walk into your next policy review informed.
Download the fillable Hotel & Motel Supplemental to start your submission, or browse all applications.
Frequently Asked Questions
How do I get hospitality business insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate hospitality business insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What does hospitality business insurance cost?
There is no flat rate. The cost of hospitality business insurance reflects your industry, your size (payroll and revenue), your claims history, and the limits and deductibles you choose. We market your account to multiple carriers, compare the real quotes side by side, and explain what is driving each number so you can weigh coverage against price with confidence.
Is hospitality business insurance required?
It depends on your situation. Some coverage is required by law; more often, hospitality business insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.