The hospitality industry is a broad category that involves numerous businesses within the service industry that include food and drink, lodging, etc.

All businesses that provide these services should protect their livelihood with hospitality insurance to limit the business’ exposure to financial loss.

Businesses within the service industry have a large number of exposures they often face when doing business on a day to day basis. It is crucial to limit the risks to your business, from loss of your equipment and stock to the health and wellbeing of your customers. Personalized insurance coverage is essential to making sure that the business continues to run smoothly in the event of a loss.

• Property Coverage – Can be broken down into more specific coverages however in general will insure property and contents that you own. Examples can be the building, equipment including leased/rented equipment, and stock.
• Business Interruption – Protects your business from financial instability by covering lost income in the event of a covered loss.
• Commercial General Liability – Protects you against third party claims of property damage or bodily injury
• Products & Completed Operations Liability – Protects you against third party claims of property damage or bodily injury that may occur due to your products or operations
• Liquor Liability – protects you against third party claims of damages or injuries when alcohol is deemed to be a contributing factor in an incident
• Boiler and Machinery – Covers the cost of repair or replacement for the sudden and accidental mechanical breakdown of your equipment
• Crime – Secures your business from financial loss either by employees or third-parties