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
  • Liquor Liability
  • HNOA
  • Assault and Battery Coverage may be available (check with your RT broker)

Tailored Products (Hotels & Other Accommodations)

  • Assault and Battery Coverage may be available (check with your All Risks producer)
  • 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
  • AM 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 a Ryan Specialty Group associate will contact you, or call 800-366-5810.

Property & Casualty Overview

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

Problem Solvers (video)

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

Investing in Our Future (video)

Nick Cortezi, CEO, explains how independence gives us a competitive advantage. Watch Now

All Risks Overview

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

Ryan Specialty Group and All Risks Finalize Merger

Ryan Specialty Group, LLC (RSG) and All Risks are pleased to announce the completion of the transaction to merge the two firms into Ryan Specialty Group. RSG is an insurance specialist providing services in wholesale brokerage and delegated underwriting authority in the form of binding authorities, programs and managing general underwriting companies. The combination of All Risks and RSG, with roughly 3,300 employees and 70+ offices across the United States, the United Kingdom and Europe, is projected to handle nearly $15 Billion in premium during 2020. Read more.