Hospitality insurance that actually pays out.
Coverage programs for full-service hotels, motels, B&Bs, and extended-stay properties. Real protection for property, guests, income, and cyber.
The hospitality coverage stack.
What we put together when we quote a hotel. Each line is sized to the property — not bundled as a one-size template.
Property
Building, FF&E, contents, equipment, and signage. Sized to the property — single location to portfolio.
Business Interruption
Income replacement when fire, storm, or system failure forces the property offline. Up to 12 months.
General Liability
Premises claims and third-party injury — guest slips, pool incidents, parking-lot claims.
Liquor Liability
Dram-shop claims tied to alcohol service — a separate trigger from GL, required where you serve.
Cyber & Data
Breach response, ransomware, PCI fines, and system downtime. Hospitality is a top-three target sector.
Workers Comp
State-mandated. Covers staff injuries — housekeeping, F&B, maintenance, front-of-house.
EPLI
Employment-practices liability — harassment, wrongful-termination, and discrimination claims.
Umbrella / Excess
Additional limit stacked above your primary policies. The catastrophic-claim layer.
The five claims that drain hotels.
Industry averages from carrier loss data. Actual exposure varies by property.
Request a hospitality quote.
Send us your current dec page. We will come back with a side-by-side comparison and at least three alternative quotes within one business day.