Is your hospitality insurance program adequately protecting your business?

The hospitality industry is built on providing exceptional experiences, but with that comes a unique set of risks. In the fast-paced world of hospitality, unexpected challenges can arise at any moment. From property damage and liability concerns to business interruption and cybersecurity threats, hospitality businesses face a wide range of challenges that require comprehensive protection. 

As the industry evolves, staying ahead of emerging risks is essential to safeguarding your operations, reputation, and bottom line. With deep hospitality insurance experience, we understand the complexities involved with your industry and will help ensure you have the right coverages to protect your business, employees, and guests. Plus, you can count on exceptional customer service from our client advisors so you can focus on delivering unforgettable experiences to your guests.

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Hospitality Insurance

Our Hospitality insurance team understands your 
unique risks and will customize a quality program

Protect Your Business

  • General liability per room basis
  • Umbrella limits $5M to $200M
  • Monoline property with CAT limits
  • Cyber liability and data security
  • Mold/fungus environmental liability
  • Package & all lines program solution
  • Enhanced coverage forms for hospitality
  • Commercial auto insurance
  • Equipment breakdown

Protect Your Employees

  • Workers’ compensation
  • Employment practices liability
  • Directors & Officers
  • Errors & Omissions
  • Management liability
  • Medical and dental insurance
  • Life and disability insurance
  • Ancillary benefits
  • 401(k) plans
  • Payroll & HR solution

Protect Your Patients

  • Guest property & Inn-keeper liability
  • Liquor liability
  • Crime and active assailant
  • Assault & battery coverage
  • Abuse & molestation coverage
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The World Difference

World’s hospitality team has more than 50 years of experience customizing risk management programs for the hospitality industry, and we insure many of the well-known hotel, motel, and franchisee brands.

At World, we understand the unique challenges you face and specialize in crafting tailored insurance solutions designed to protect your assets, employees, and reputation. Whether you operate a hotel, restaurant, bar, or event space, our comprehensive coverage ensures you’re always prepared for the unexpected.

Our hospitality insurance team insures more than $3 billion in property value across more than 500 hotels and motels in the U.S. We partner with a variety of niche hospitality underwriters, and we craft bespoke coverage solutions in all 50 states. Plus, we offer risk management and loss control services, and our in-house dedicated claims advocacy team is there to help when you need it most.

Areas Of Specialization

We specialize in most property types, including:

  • Franchised and non-franchised hotels and motels
  • Limited service to premium hotels
  • Boutique hotels, resorts, and extended stay
  • Hotel construction projects

Exceptional Service Experience

  • Current plan review and consultation
  • Exposure identification and analysis
  • Coverage and cost analysis
  • Loss control services and safety training
  • In-house claims advocacy services
  • White-glove customer service experience
  • Direct access to your hospitality insurance team

Hospitality Clients We Help

  • Hotels and motels
  • Restaurants, cafes, bistros
  • Bars and nightclubs
  • Bakeries, coffee shops
  • Breweries/distilleries
  • Bed & Breakfasts
  • Franchises
  • Restaurants with delivery services
  • Event venues
  • Gaming and casinos
  • Golf courses
  • Luxury resorts
  • Movie theaters
  • Theatres
  • Museums
  • Cruise ships
  • Catering
  • Tour operators
  • Spa and wellness facilities
  • Travel agencies

FAQ About hospitality insurance

What is hospitality insurance?

Hospitality insurance is a combination of commercial insurance coverages that protect businesses within the hospitality industry. Some of these types of businesses include restaurants, hotels, bars, bakeries, franchises, and resorts. Commercial hospitality insurance helps protect your business from a variety of risks such as injuries to guests and visitors on your property, property damage, theft, stolen patron credit card information, employee claims, reputational harm, and injured workers.

What hospitality insurance coverages are needed for hotels and motels?

There are many hospitality insurance coverages that comprise a solid portfolio. Some of the most common core hospitality insurance coverages to consider include general liability, commercial umbrella, equipment breakdown, property damage, cyber liability, crime and fidelity, and workers’ compensation. But it is important to have a program tailored to your specific business needs, including the types of coverage but also the limits, deductibles, and terms and conditions. An insurance advisor experienced in the hospitality insurance industry will know how to assess your unique risks and craft a program that is right for your business.

What are some risks faced by businesses within the hospitality industry?

The hospitality industry encompasses a variety of business types, each facing unique risks. While some risks, such as property damage and liability, are common across the industry, many risks are specific to individual businesses. Some of the most common risks are property damage, food safety, theft, data privacy, assault and battery, and injured employees.

How much does hospitality insurance cost?

Because every business is unique, the cost of insurance varies from one business to another. The hospitality industry includes a wide range of business types, each requiring different kinds of coverage. Key factors that influence the cost of hospitality insurance include property size, location, number of employees, business type, claims history, and the level of coverage needed. When you work with World, you’ll receive a customized coverage plan tailored to your business’s specific needs.