HOSPITALITY GROUPS

Hospitality Group Insurance

Protecting guest experiences, properties, and brand reputation

Hospitality groups operate in high-visibility environments where guest safety, service quality, and brand reputation are constantly on display. From hotels and resorts to multi-location hospitality operators, risk extends across properties, employees, and the public.

A properly structured insurance program helps protect revenue, continuity, and long-term brand value.

Key Risks in Hospitality Operations

Hospitality groups face exposure related to:

• Guest injuries and premises liability

• Property damage and catastrophic losses

• Employment practices and workforce management

• Alcohol service and entertainment exposure

• Cyber and data privacy risks

• Reputational harm from public incidents

Even isolated incidents can impact brand trust across multiple locations.

Core Coverages for Hospitality Groups

Hospitality insurance programs typically include:

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

Commercial Property
Covers buildings, furnishings, equipment, and common areas against covered losses.

Employment Practices Liability (EPLI)
Covers claims related to hiring, termination, discrimination, harassment, and retaliation.

Umbrella / Excess Liability
Provides additional limits for high-severity or multi-claim loss scenarios.

Liquor Liability (when applicable)
Covers alcohol-related claims arising from on-site service.

What’s Commonly Overlooked

Hospitality insurance programs are often weakened by:

• Inconsistent coverage across multiple locations

• Inadequate limits for large-scale guest injuries

• Gaps between property and liability policies

• Failure to account for brand-wide reputational exposure

• Missing cyber coverage for guest data

These gaps often emerge during large or public claims.

Real-World Claim Examples

• A guest is injured on hotel premises

• Fire or water damage forces closure of a property

• An employment-related lawsuit impacts management

• An alcohol-related incident leads to litigation

Hospitality claims can escalate quickly due to public visibility.

Why Proper Placement Matters

Hospitality coverage varies significantly based on:

• Property type and amenities

• Guest volume and event activity

• Multi-location operations

• Alcohol service and entertainment offerings

Improper placement can lead to coverage gaps across properties.

Our Approach

At Cory Washington & Co., we design hospitality insurance programs with brand protection in mind. We coordinate coverage across locations, align limits with exposure, and help ensure consistency — so one incident doesn’t jeopardize the entire operation.

Hospitality success depends on confidence, consistency, and protection.