Hospitality Insurance Solutions Tailored for Your Business
Protect your hospitality operation — property, people, and guests — with complete insurance coverage solutions designed specifically for restaurants, hotels, bars, venues, and more.
With Hilb Group, you gain more than an insurance policy. You gain a consultative partner who understands the hospitality industry’s risks, compliance challenges, and operational needs.
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What Is Hospitality Insurance Coverage?
It is a comprehensive protection program for businesses in the hospitality sector—including restaurants, hotels, caterers, bars, event venues, and food service operations. Hospitality insurance includes a variety of commercial policies to cover employee injuries, guest incidents, liquor liability, property damage, food contamination, and business interruption.
But we don't stop there — we believe in a comprehensive approach to managing your risk. Accordingly, our customized insurance solutions also include risk management best practices, such as safety training, as well as HR Consulting, Employee Benefits plans, and even personal coverages for business owners.
Who We Serve
Hilb Group provides hospitality insurance solutions for:
- Fine Dining and Casual Dining Restaurants
- Catering Companies and Event Venues
- Bars, Breweries, and Nightlife Establishments
- Hotels, Inns, Resorts and Food Vendors
- Food Halls, Cafes, and Mobile Food Services
Core Coverages for Hospitality Businesses
General Liability Insurance
Covers third-party injuries and property damage.
Liquor Liability / Dram Shop Insurance
Protects against alcohol-related claims.
Cyber Liability & Crime Insurance
Safeguards data, payment systems, and theft exposure.
Workers’ Compensation
Covers employee injuries and lost wages.
Property & Business Property Insurance
Protects buildings, equipment, and furnishings.
Equipment Breakdown Insurance
Repairs or replaces critical equipment like refrigeration or ovens.
Business Interruption Insurance
Replaces income lost during a covered shutdown.
Food Contamination & Product Liability
Coverage for illness, recalls, and reputational recovery.
Specialty Insurance Add-Ons
Event cancellation, commercial auto, flood, umbrella liability, inland marine, and more.
Risk Management and Advisory Services
"An ounce of prevention is worth a pound of cure."
This timeless wisdom applies just as much to your hospitality business as it does to your health.
To fully protect your hospitality business, it's essential to combine prevention with protection behind the scenes. While insurance provides a safety net when incidents occur, relying solely on it can be costly and reactive. Prevention means implementing effective risk management strategies and best practices to mitigate risks before they happen. This proactive approach helps you save money, avoid the headaches associated with claims and incidents, and maintain more affordable insurance rates by reducing your overall exposure. For a well-rounded protection, we offer the following value added trainings and services to help you build a culture of safety.
Hospitality Insurance Workshops
Our trainings serve as your “how-to” guides for implementing and improving risk management best practices that help:
- Reduce workplace injuries
- Lower Workers’ Compensation claims
- Eliminate safety hazards
- Build best-practice employee teams
Contractual Risk Transfer Review Workshop
The insurance ecosystem can be difficult to navigate alone. We help protect your business when dealing with third parties by reviewing and managing:
- Leases
- General contractor agreements
- Vendor agreements
- Event contracts
- Certificates of insurance
Liquor Safety and TIPS® Training
Restaurants and bars face unique risks related to alcohol service. Hilb Group offers certified TIPS® Training to empower employees to:
- Spot and manage intoxicated patrons
- Prevent underage drinking
- Reduce the likelihood of alcohol-related incidents
Added Benefit: TIPS® training can qualify your business for discounts on liquor liability insurance from more than 70 carriers, while providing a legal “reasonable effort” defense if incidents occur.
Employee Injury and Guest Incident Reporting
Hilb provides tools and services to manage incidents seamlessly:
- Claims portal maintenance and real-time reporting
- Billing administration and accident investigation assistance
- Guidance on reportable, non-reportable, and first aid option injuries
- Identifying injury/incident trends
- Facilitating faster claims closure
- Loss analysis and compliance reporting
Compliance and Safety Services
Many of our competitors outsource safety professionals, which increases your costs. In contrast, we have dedicated in-house safety experts who provide:
- On-site inspections and training
- OSHA compliance support
- Regular customized safety bulletins of best practices for managers and staff (including Spanish-language staff documents)
- Manager support materials and “toolbox talks”
Our Consultative Process
When you combine industry-leading expertise with genuine caring professionalism, you’ve got a winning formula. While we respond quickly and efficiently to our client’s needs, our value-added approach isn’t about rushing through things. Instead, our consultative process guides you through a step-by-step approach that’s designed to minimize risk and maximize protection.
Risk Identification
Exposure Analysis
Program Design (Coverage & Risk Management Services)
Implementation
Ongoing Review & Refresh as Your Business Evolves
This proactive cycle ensures your coverage adapts to changes in your business and industry.
Why Partner With Hilb Group?
Ready to serve peace of mind alongside your hospitality?
Partner with us to safeguard your business, so you can focus on delighting every guest—because great experiences deserve great protection. Hilb Group offers a complete hospitality insurance program—covering property, liability, employees, compliance, and guest safety.
Frequently Asked Questions
It’s an insurance package tailored to the hospitality industry—covering liability, property, employees, and specialized risks like liquor service and food safety.
Because your risks change over time—new locations, staff, or services may introduce new exposures. Our ongoing process ensures you’re always covered.
Yes. Many states require it, and without it you may be liable for guest incidents. With TIPS® training, you may also lower premiums.
Our claims portal and reporting process ensure fast response, efficient resolution, and reduced long-term costs.