Hospitality Business Insurance Brokerage & Coverage

Hospitality Insurance

Let's build a customized risk management solution for your hospitality business.

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You deliver the experience — we’ll provide the protection for your hospitality business

The hospitality industry is built on creating exceptional guest experiences, but it also comes with risks such as employee safety, property damage, business interruptions and liability exposures. We provide tailored insurance solutions designed to protect hotels, resorts, restaurants, bars and other hospitality businesses from these challenges, ensuring smooth operations and long-term success.

Insurance Solutions Built for Hospitality

We understand the complexities of running a hospitality business and offer comprehensive coverage to protect your assets, employees and reputation. Our solutions include:

Property Insurance – Coverage for fire, natural disasters, theft and vandalism.
General & Liquor Liability Insurance – Protection against guest injuries, property damage and alcohol-related claims.
Workers' Compensation – Keeps employees protected and ensures compliance with regulations.
Cyber Liability Insurance – Defense against data breaches and cyberattacks.
Business Interruption Insurance – Financial security when unexpected events disrupt operations.
Employment Practices Liability Insurance (EPLI) – Protection against claims related to discrimination, harassment or wrongful termination.
Employee Benefits Solutions – Competitive benefits packages to attract and retain top talent.

We take a proactive approach to risk management, helping you identify potential threats and reduce the likelihood of claims. With decades of hospitality industry experience, our insurance and risk management experts partner with you to implement workplace safety programs, cybersecurity protocols and business continuity planning to minimize risks before they impact your bottom line.

Employee Well-Being

We know that your employees are the heart of your business. In a competitive job market, offering a strong employee benefits program is key to attracting and retaining skilled hospitality professionals. Our team of employee benefits experts help you design benefits packages that include healthcare, retirement plans, mental health resources and financial wellness programs - all designed to enhance employee satisfaction, reduce turnover and promote a healthier workplace.

Why Choose HUB?

Industry Expertise – Our experts have a deep knowledge of hospitality risks, challenges and compliance requirements.
Tailored Solutions – Insurance and benefits plans customized to your unique needs.
Proactive Risk Management – Strategies to minimize claims, improve safety and control costs.
Claims Support – Experienced advisors ready to assist with claims in the event of a loss.

Contact a HUB hospitality insurance specialist to get started.

Asian American Hotel Owners Association (AAHOA) Partnership

At HUB, we are dedicated to being an inclusive partner and developing tailored solutions to help the hotelier community grow.

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HUB Hospitality Benefits Captive

Rethink your employee benefits strategy. Take control of health care costs.

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Franchising continues to be a popular path to business success, but managing the risk can be daunting. Understanding your exposures and procuring the right coverage is key to franchisee success.

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Violent Acts Liability Insurance

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Hospitality Insurance FAQs

What types of businesses need hospitality insurance?

Hospitality insurance is essential for businesses that welcome guests or offer food, drinks, or entertainment. That includes hotels, restaurants, bars, nightclubs, event venues, resorts, golf courses and even food trucks. Whether you need hotel insurance, restaurant insurance, or coverage for a mobile operation, if your business involves customer interaction, property or service-based risk, the right protection helps safeguard what matters most.

How can hospitality insurance protect my business from liability claims?

It can help cover legal fees, medical expenses and settlements if someone is injured on your property — or if your business is found liable for damages. From slips and falls to food-related illnesses, hospitality liability insurance helps reduce financial fallout and keeps operations on track.

Why do hotels, motels, restaurants and venue owners need insurance?

Even small disruptions can carry big costs — a burst pipe, a guest injury or an event cancellation. Whether it’s hotel insurance or restaurant insurance, having the right policy in place helps cover these risks, so owners can handle unexpected issues without absorbing the full financial impact. It’s a practical safeguard for businesses that serve the public.

What should your hospitality business consider when choosing hospitality insurance protection?

Start by identifying your key risks — like guest safety, property damage, liquor liability or equipment failure. You may also want to consider business interruption insurance for hospitality, which can help cover income loss during temporary closures. Coverage needs vary based on your location, size and services. Understanding your exposure and operations can help you choose the protection that fits your business best.

What types of insurance coverage are essential for hospitality businesses?

Essential coverages include property insurance, liability insurance, workers' compensation, business interruption insurance and cyber liability insurance.

Why is employee safety training important in the hospitality industry?

Employee safety training equips staff with the knowledge to handle emergencies, operate equipment safely and maintain a secure environment. Well-trained employees are crucial to minimizing accidents and ensuring guest safety.

How do comprehensive employee benefits impact staff retention?

Comprehensive benefits demonstrate an employer's commitment to their staff's well-being, leading to increased job satisfaction and loyalty. This results in reduced turnover rates and associated hiring costs.