Hospitality/Service Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Hospitality/Service Insurance Information
Whether you run a hotel, motel, inn* or resort, you need insurance that is tailored to the specific risks faced by you, your guests and their visitors. Hotel insurance can be sold as separate commercial insurance liability and property policies or, from some companies, as a bundled product geared toward your specialized needs.
Those who work in the hospitality industry need their own specialized liability insurance policy. Hospitality errors and omissions can help you pay to defend yourself against lawsuits brought on by guests as a result of an error or omission in taking, recording or fulfilling reservations, event planning and so on. In addition, the policy will generally pay for the claims awarded (up to limits) except when due to willful negligence.
The liability insurance needs of your organization will vary and may include:
- Liquor liability
- Liability for services offered
- General liability (which includes coverage for the loss or theft of guest property)
- Employment liability
- Workers compensation
Not only will a properly designed property insurance policy cover the building, units and contents of your building(s), but it can also provide protection for damages due to bed bugs.
Hotel owners can look for additional types of coverage including:
- Automobile insurance for vehicles owned by the hotel or driven on its behalf
- Business continuation insurance to help replace income that’s lost when the hotel is unable to operate due to the occurrence of a covered hazard
- Equipment breakdown insurance, which can help pay the costs to repair or replace equipment that has broken down for reasons other than neglect.
*Bed and breakfasts may have more specialized needs. Please check with your agent for details.
Restaurant owners have much to consider when designing their insurance portfolios. Here are just a few of the insurance options restaurateurs can pick from to help minimize their financial risk from lawsuits, failed equipment and property losses.
- Property insurance: Offers financial protection in the event that the restaurant’s property (either its building structure or contents) is ruined or damaged in an insurable event such as a fire or theft.
- Spoilage coverage: Provides payment if power is lost or equipment malfunctions and the perishable food on hand spoils.
- Employment practices liability: Protects against lawsuits for various employee complaints including discrimination, provided the treatment was not willful.
- Equipment breakdown: Covers the cost of repair for equipment that has broken down including cookers, refrigerators and air conditioning units. It's worthwhile to note that if the breakdown occurs due to lack of proper maintenance, the claim may not be covered.
- Workers compensation insurance: This pays for medical expenses and some lost wages should an employee be injured on the job.
- Business continuation insurance: Provides ongoing income in the event that your business is forced to shut down. Alternatively, it could pay for some of the expenses of temporary relocation of your restaurant.
- Liquor legal liability insurance: This can help pay legal expenses and claims brought on by customers who may be injured by an individual who was drinking in your establishment.
Restaurants may also be able to secure all-in-one coverage, which is a comprehensive policy that is tailored to the many facets of risks that restaurant owners face.