Hospitality Business Insurance Coverage Checklist
The coverages a hospitality business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for resorts and mixed-use hospitality properties. Priorities reflect typical exposure; confirm against every operation on site.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers guest injuries across all operations — confirm no activity or amenity exclusions. | Core | |
| Liquor Liability | Covers every outlet that serves alcohol. | Core | |
| Abuse & Molestation / Human Trafficking Coverage | Covers lodging-related trafficking and misconduct claims. | Core | |
| Umbrella / Excess Liability | Adds limits sized for a multi-operation property. | Core | |
| Commercial Property & Business Income | Covers all buildings and lost revenue from every operation. | Core | |
| Professional Liability (Spa) | Covers spa treatment injuries — excluded from GL. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is coverage that falls between operations. A resort's rooms, bars, spa, pools, and events each have their own severity drivers, and each policy may assume another covers the overlap — especially for third-party concessionaires. Properties should inventory every operation, confirm which policy responds to each, and require concessionaires to carry insurance naming the property.
Send us the checklist and we'll review your hospitality business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Hospitality Business Insurance · Hospitality Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a hospitality business business need?
The core coverages for a hospitality business business are Commercial General Liability, Liquor Liability, Abuse & Molestation / Human Trafficking Coverage, Umbrella / Excess Liability, Commercial Property & Business Income. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my hospitality business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.