Hospitality & Lodging Insurance
The comfort and happiness of your guests is your calling. Protecting your business is ours. We’ll help you get great hospitality and lodging insurance custom fitted to your specific needs. Get a quote started today.
Your guests should only take home good memories
Running a hospitality business is all about creating great experiences, whether you own a restaurant, bar, hotel, motel, bed & breakfast, or another guest-focused business. But behind the scenes, there are plenty of things that can go wrong. A customer slips on a wet floor, a kitchen fire puts you out of business, or a burst pipe turns your dining room into a swimming pool. Hospitality insurance helps protect your business when the unexpected checks in.
A well-designed policy can cover much more than just your building and contents. Depending on your operation, coverage may include commercial general liability, property, equipment breakdown, business interruption, liquor liability, food spoilage, sewer backup, cyber coverage, and more. Your insurance should reflect how your business actually operates, not force your business into a one-size-fits-all box.
At HMS Insurance, we understand that hospitality businesses come with their own unique risks. We take the time to understand your operation, identify the exposures that matter, and build a policy around your business.
You take care of the guests. We'll help take care of the risks.
What does hospitality insurance cover?
Every business is a little different, but most hospitality and lodging insurance packages include the following:
General liability
Protects your business when a guest slips, falls, gets injured, or their property is damaged because of your operations. Basically, it helps when “Oops!” turns into a claim.
Commercial auto
If your business owns or uses vehicles for deliveries, errands, catering or other business activities, commercial auto coverage helps protect those vehicles and your business while they're on the road.
Commercial property
Protects the physical stuff that keeps your business running — buildings, contents, equipment, inventory and more. From fire and water damage to other insured losses, it helps you protect what you've worked hard to build.
Equipment breakdown
Restaurants, hotels and other hospitality businesses depend on refrigerators, ovens, HVAC systems and plenty of other machinery. This coverage helps with the cost of repairing or replacing covered equipment when it suddenly breaks down.
Cyber coverage
Hospitality businesses collect plenty of valuable customer information, making them a tempting target for cyber criminals. Cyber coverage can help with expenses and liability arising from data breaches, hacking and other.
Liquor liability
If you serve alcohol, you have an added layer of risk. Liquor liability helps protect your business from claims arising from the service or sale of alcohol.
Employee theft
Unfortunately, not every problem walks through the front door with a reservation. Employee theft coverage can protect your business against certain losses caused by dishonest acts such as theft or fraud by employees
Business interruption
Sometimes the biggest cost of a loss isn't fixing the damage, it's being unable to operate. Business interruption coverage can help replace lost income and cover certain ongoing expenses while you get your business back on its feet.
What do we have options for?
We have comprehensive insurance solutions for all types of health and fitness that can be customized your specific needs. Below is a brief list, but there are many more options.
Restaurants
Hotels and motels
Bed and breakfasts
Bars and lounges
Spas and resorts
Cafes and coffee shops
Takeout and catering
Campgrounds and more
If your business welcomes guests, serves food or drinks, provides accommodations, or exists to create a great experience, there's a good chance hospitality insurance belongs on the menu.
When something goes wrong, the last thing you need is to figure out insurance on your own. Whether it’s a kitchen fire, burst pipe, equipment failure, customer injury or something a little more unexpected, our job doesn’t stop when we hand you the policy.
As your broker, HMS Insurance can help you understand what happened, what coverage may apply, and what steps to take next. We can help guide you through the claims process, communicate with the insurance company and make sure the right people are involved.
Frequently asked questions about hospitality insurance
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Running a hospitality business means welcoming customers, serving food and beverages, managing staff, and keeping your property operating smoothly. From kitchen fires and customer injuries to equipment breakdowns and unexpected closures, the right insurance helps protect your business against the many risks that come with keeping the doors open.
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If your business serves, sells, or provides alcohol, liquor liability coverage may be an important part of your insurance program. It can help address certain claims arising from alcohol-related incidents, subject to the policy wording, exclusions, and applicable legal requirements. Even if alcohol sales are only a small part of your business, it's important to discuss them with your broker.
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Commercial property insurance may protect eligible kitchen equipment, refrigeration units, ovens, furnishings, and other business contents against insured events. Equipment breakdown coverage may also be available to address certain sudden and accidental mechanical or electrical breakdowns. These coverages are different, so it's important to understand what protection your business needs.
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Business interruption insurance may help replace lost income and cover certain ongoing expenses following an insured loss that interrupts your operations. Depending on the policy, it may help with expenses such as rent, payroll, and other eligible costs while repairs are completed. For hospitality businesses, even a short closure can have a significant financial impact.
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Coverage for food spoilage may be available, depending on the policy and the cause of the loss. For example, certain equipment breakdowns or power-related events may result in spoiled food or beverages. Restaurants, cafés, and hotels should review their coverage limits and conditions to ensure they reflect the value of their refrigerated and stored products.
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Hotels, motels, inns, and other lodging businesses have unique risks, including guest injuries, property damage, guest belongings, water damage, and extended stays. Insurance can be tailored to the building, guest rooms, furnishings, amenities, and services your business provides. Additional coverage may be needed for pools, spas, restaurants, or other facilities.
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Cyber insurance can be valuable for businesses that process customer payments, store personal information, use online booking systems, or rely on digital point-of-sale technology. Depending on the coverage, a cyber policy may help address certain data breaches, cyberattacks, business interruption, and related expenses. Your broker can help determine whether cyber coverage makes sense for your operation.
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