Hospitality Insurance

Hotels, Restaurants, Bars, Taverns, Nightclubs and more…

The hospitality industry opens its doors daily to numerous risks and potential lawsuits. Hotels, motels, restaurants, bars, taverns, and nightclubs all face threats from cyber attacks, injured patrons, lack of security, theft, liquor liability, food poisoning and many other health scares. All Risks hospitality insurance specialists are on hand to help protect your clients. Acceptable risks include up to 100% liquor receipts, live entertainment, dancing, establishments open until 2:00am, new businesses, and prior losses. Contact us today to learn more about our hospitality insurance coverage solutions!

Target Classes

  • Hotels & Other Accommodations
    • Hotels/motels – franchised and non-franchised
    • Bed and breakfasts
    • Cabins
    • Franchised chains up to 5-star resorts (can include: restaurants, nightclubs, bars open 7 days a week, waterslides and pools)

     

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  • Restaurants, Bars and Taverns
    • Special events needing Liquor Liability
    • Microbreweries
    • Hotel bars
    • Liquor stores
    • Neighborhood bars
    • Pizza parlors
    • Sports bars
    • Late-night diners
    • Ethnic restaurants
    • BBQ smokehouses
    • Cigar bars

     

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  • Large Nightclubs
    • Large nightclubs (frequency and severity losses OK)
    • Nightclubs on or near college campuses
    • New ventures (resume needed)
    • Large dance floor establishments
    • Pool halls
    • 100% liquor sales OK
    • Theme clubs
    • Adult clubs

     

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Disclaimer: All classes and lines of coverage may not be available in all states. For current availability, please contact an All Risks Specialist.

Submission Requirements

  • ACORD forms
  • Supplemental application will vary by risk
  • 5 years loss runs

Find an Application

Submit a Risk
  • General Liability
  • Property
  • Excess/Umbrella
  • Assault & Battery (full limits available on risk by risk basis; Excess over A&B also available)
  • Liquor Liability
  • HNOA

Tailored Products (Hotels & Other Accommodations)

  • Assault and Battery (subject to no prior A&B claims)
  • Abuse and Molestation (subject to no prior Abuse and Molestation claims)
  • Liquor Liability
  • Hired and Non-Owned Auto
  • Animals (no vicious breeds)
  • Brokerage, binding and program capability
  • A.M. Best “A-” or better markets
  • Admitted and non-admitted carriers
  • Available nationwide
  • Monoline and package available
  • Low minimum premiums

Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

Property & Casualty Overview

Learn about our binding authority, brokerage services, comprehensive coverage and business classes.

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Investing in Our Future

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All Risks Overview

All the information you need to make All Risks your wholesaler of choice.

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Problem Solvers

Matt Nichols, President, explains how we add value to retail agent partners.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.